How Much Does Homeowners Insurance Cost in Massachusetts?
Massachusetts pricing is above the national average. Updated for 2026.
Homeowners Insurance Pricing in Massachusetts
In Massachusetts, the average cost for homeowners insurance is $234 per month, which is 30% higher than the national average of $180. Most Massachusetts residents pay between $130 and $455.
Massachusetts has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within Massachusetts may be even higher.
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
Massachusetts vs National Average
What Affects Homeowners Insurance Cost in Massachusetts?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
📐 Homeowners Insurance in Massachusetts Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Homeowners Insurance Pros in Massachusetts
5 providersElite Contractors
✅ VERIFIEDElite Property Services
✅ VERIFIEDAll-Pro HVAC Solutions
✅ VERIFIEDAre You a Homeowners Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for homeowners insurance in Massachusetts.
💡 Tips to Save on Homeowners Insurance in Massachusetts
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Massachusetts Cost Trends (2022–2026)
Prices have increased +17.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $200 | — |
| 2023 | $208 | +4.0% |
| 2024 | $221 | +6.3% |
| 2025 | $227 | +2.7% |
| 2026 | $234 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Massachusetts
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Homeowners Insurance Cost in Other States
Related Cost Guides for Massachusetts
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.