Best Massachusetts Homeowners Insurance for 2026
Norfolk & Dedham offers the lowest average home insurance rates in Massachusetts
Advertising Disclosures
Loading Disclosures…
- Norfolk & Dedham is our pick for best home insurance company in Massachusetts, thanks to its extremely low average rates and solid coverage options.
- The average homeowners insurance rate in MA is $1,836 a year for $400,000 worth of dwelling coverage.
- Compared to many other states, Massachusetts’ home insurance market is stable, although coastal homeowners may face higher costs.
Best homeowners insurance in Massachusetts
The best homeowners insurance in Massachusetts comes from regional carrier Norfolk & Dedham. It offers the cheapest average rates without skimping on coverage options.
For best discount options, consider Farmers. This larger carrier offers more savings opportunities than most.
Narragansett Bay is another regional insurance company. It’s best for personalized service. For no extra charge, an insurance agent can visit your home and help you pick appropriate coverage.
All three companies received few — or in Norfolk & Dedham’s case, no — customer complaints with the National Association of Insurance Commissioners (NAIC)
Best overall: Norfolk & Dedham
Average annual rate: $585
Star rating: N/A
Why we chose it: Norfolk & Dedham is the cheapest homeowners insurance company in Massachusetts, by far. Its average annual rate is almost 70% lower than the state average of $1,836. It also offers plenty of coverage options, including equipment breakdown and service line protection. Policyholders must be happy, too, since it received zero NAIC homeowners insurance complaints in 2025.
Who it’s best for: Homeowners who want great rates but prefer doing business with a smaller, regional insurance company. Although you have to go through an agent to get a quote, the massive savings you might see could be worth the fewer online conveniences.
PROS
- Lowest rates in Massachusetts
- Equipment breakdown coverage available
- Regional company that can be more in tune with local needs
CONS
- Mobile app gets low ratings
- No online quotes
- Limited customer service hours
Best for discounts: Farmers
Average annual rate: $1,348
Why we chose it: Although Farmers isn’t the cheapest homeowners insurance company in Massachusetts, it offers a long list of discounts that could help offset its higher premiums. Green homes, newer homes and smart homes are eligible for specific discounts. Other discounts are easier to qualify for, like making your payments on time or signing up for ePolicy.
Who it’s best for: Homeowners who qualify for multiple discounts and want to work with a larger, national company. Also, even though Farmers is not regional, you can still find agents in a few select cities.
PROS
- More discounts than most companies
- Can get a quote online
- Customer service is available seven days a week
CONS
- Not the cheapest option
- Not regional, if that’s important to you
Best for personalized customer service: Narragansett Bay
Average annual rate: $1,618
Why we chose it: Narragansett Bay’s personalized underwriting process, ShelterPride, makes sure your policy reflects the true cost of rebuilding your home. At no extra cost, an agent will visit your home, do a survey and provide an estimate for the right amount of coverage. ShelterPride can be especially valuable for coastal properties, where replacement costs can be hard to estimate accurately.
Who it’s best for: Homeowners who value a hands-on approach to determining the right amount of insurance coverage. Narragansett Bay’s rates are much higher than the state average, but the cost may be worth it for the right shopper. Narragansett Bay also specializes in higher-risk homes.
PROS
- Personalized replacement cost assessment
- Specializes in coastal properties
- Flood endorsement available
CONS
- Not the cheapest option
- No online quotes
- Limited customer service hours
Compare home insurance rates and ratings in Massachusetts
When you buy insurance, you’re essentially getting two things: customer service and a promise from the insurance company that it will pay covered claims. Rates are important, but they aren’t the only factor to consider.
Comparing multiple homeowners insurance quotes can help you find the best coverage and service at a price that you can afford.
| Company | Average annual rate * | LendingTree rating | NAIC complaint rating* | |
|---|---|---|---|---|
| Norfolk & Dedham | $585 | NA | 0 |
 | Quincy Mutual | $977 | 3.5/5 | 0 |
| Farmers | $1,348 | 3.5/5 | 0.7 |
 | Arbella | $1,488 | NA | 0.2 |
 | Vermont Mutual | $1,542 |  4/5 | 0.1 |
| Narragansett Bay | $1,618 |  3/5 | 0.2 |
 | Safety | $1,813 | 4/5 | 0 |
 | MAPFRE | $1,957 | NA | 0.6 |
LendingTree analyzed thousands of quotes from top insurers across Massachusetts to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Massachusetts?
The average cost of home insurance in Massachusetts is $1,836 a year, or $153 a month.
Generally, homeowners in Massachusetts enjoy cheaper premiums than much of the country. The average cost of home insurance in the U.S. is $2,628 per year for $400,000 of coverage. Massachusetts’ average annual rates are about 30% lower.
Although home insurance rates are generally on the rise, Massachusetts has fared better than many other states. Nationally, average homeowners insurance rates went up about 48% from 2021 to 2025. Massachusetts homeowners saw their rates increase by only around 28% during that same time period.
Average home insurance rates by dwelling coverage amount
Several factors determine home insurance premiums, including how much dwelling coverage you choose. Dwelling coverage, also known as Coverage A on standard policies, pays to repair or rebuild your home and attached structures after a covered claim.
Insurance companies typically help you figure out how much coverage you should include on your policy. This figure is usually based on replacement cost, or how much it would cost to rebuild your home in today’s market.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Norfolk & Dedham | $458 | $585 | $775 | $1,028 |
| Farmers | $1,093 | $1,348 | $1,771 | $2,344 |
| Narragansett Bay | $1,184 | $1,618 | $2,277 | $2,958 |
| State average | $1,451 | $1,836 | $2,464 | $3,222 |
Home insurance rates in Massachusetts by city
Where you live inside Massachusetts also affects your home insurance premiums. Rates can vary by ZIP code, even by neighborhood.
Home insurance is cheapest in the villages of Lenox Dale and Housatonic, where average rates are $1,377 and $1,379 a year, respectively. On the other end, residents of Chilmark pay the most. There, average annual home insurance rates are $3,805. Cuttyhunk isn’t too far behind, coming in at $3,643.
The difference likely comes down to weather exposure and rebuilding costs. Lenox Dale and Housatonic are both inland. Chilmark and Cuttyhunk are island communities, where insurers must factor in hurricanes, nor’easter risk and the higher cost of labor and materials.
| City | Average rate |
|---|---|
| Abington | $1,935 |
| Accord | $2,037 |
| Acton | $1,602 |
| Acushnet | $2,195 |
| Acushnet Center | $2,179 |
| Adams | $1,413 |
| Agawam | $1,442 |
| Allston | $2,211 |
| Amesbury Town | $1,670 |
| Amherst | $1,417 |
| Amherst Center | $1,407 |
| Andover | $1,684 |
| Arlington | $1,591 |
| Arlington Heights | $1,603 |
| Ashburnham | $1,628 |
| Ashby | $1,639 |
| Ashfield | $1,442 |
| Ashland | $1,611 |
| Ashley Falls | $1,436 |
| Assonet | $2,082 |
| Athol | $1,598 |
| Attleboro | $1,810 |
| Attleboro Falls | $1,826 |
| Auburn | $1,622 |
| Auburndale | $1,598 |
| Avon | $1,721 |
| Ayer | $1,594 |
| Babson Park | $1,747 |
| Baldwinville | $1,609 |
| Barnstable | $2,920 |
| Barre | $1,608 |
| Becket | $1,458 |
| Bedford | $1,571 |
| Belchertown | $1,451 |
| Bellingham | $1,711 |
| Belmont | $1,603 |
| Berkley | $1,904 |
| Berkshire | $1,402 |
| Berlin | $1,591 |
| Bernardston | $1,418 |
| Beverly | $1,863 |
| Billerica | $1,611 |
| Blackstone | $1,637 |
| Blandford | $1,468 |
| Bliss Corner | $2,383 |
| Bolton | $1,607 |
| Bondsville | $1,433 |
| Boston | $2,124 |
| Bourne | $2,726 |
| Boxborough | $1,598 |
| Boxford | $1,691 |
| Boylston | $1,617 |
| Braintree Town | $1,707 |
| Brant Rock | $2,033 |
| Brewster | $2,808 |
| Bridgewater | $1,955 |
| Brighton | $2,194 |
| Brimfield | $1,490 |
| Brockton | $2,117 |
| Brookfield | $1,621 |
| Brookline | $1,940 |
| Brookline Village | $1,858 |
| Bryantville | $1,926 |
| Buckland | $1,473 |
| Burlington | $1,609 |
| Buzzards Bay | $2,697 |
| Byfield | $1,651 |
| Cambridge | $1,632 |
| Canton | $1,707 |
| Carlisle | $1,612 |
| Carver | $2,092 |
| Cataumet | $3,249 |
| Centerville | $2,881 |
| Charlemont | $1,483 |
| Charlestown | $2,266 |
| Charlton | $1,656 |
| Charlton City | $1,614 |
| Charlton Depot | $1,627 |
| Chartley | $1,886 |
| Chatham | $3,295 |
| Chelmsford | $1,569 |
| Chelsea | $2,355 |
| Cherry Valley | $1,605 |
| Cheshire | $1,431 |
| Chester | $1,443 |
| Chesterfield | $1,445 |
| Chestnut Hill | $1,835 |
| Chicopee | $1,641 |
| Chilmark | $3,805 |
| Clinton | $1,611 |
| Cochituate | $1,646 |
| Cohasset | $2,119 |
| Colrain | $1,479 |
| Concord | $1,616 |
| Conway | $1,470 |
| Cordaville | $1,563 |
| Cotuit | $3,078 |
| Cummaquid | $3,098 |
| Cummington | $1,420 |
| Cuttyhunk | $3,643 |
| Dalton | $1,429 |
| Danvers | $1,755 |
| Dedham | $1,699 |
| Deerfield | $1,391 |
| Dennis | $2,723 |
| Dennis Port | $3,003 |
| Devens | $1,592 |
| Dighton | $1,857 |
| Dorchester | $2,260 |
| Dorchester Center | $2,154 |
| Douglas | $1,637 |
| Dover | $1,651 |
| Dracut | $1,630 |
| Drury | $1,438 |
| Dudley | $1,646 |
| Dunstable | $1,609 |
| Duxbury | $2,219 |
| East Boston | $2,326 |
| East Bridgewater | $2,006 |
| East Brookfield | $1,620 |
| East Dennis | $2,844 |
| East Douglas | $1,636 |
| East Falmouth | $3,013 |
| East Freetown | $2,071 |
| East Harwich | $2,945 |
| East Longmeadow | $1,487 |
| East Orleans | $2,887 |
| East Otis | $1,470 |
| East Pepperell | $1,580 |
| East Princeton | $1,599 |
| East Sandwich | $2,721 |
| East Taunton | $1,908 |
| East Templeton | $1,582 |
| East Walpole | $1,672 |
| East Wareham | $2,273 |
| East Weymouth | $1,724 |
| Eastham | $2,956 |
| Easthampton | $1,448 |
| Easthampton Town | $1,425 |
| Edgartown | $3,359 |
| Elmwood | $1,972 |
| Erving | $1,402 |
| Essex | $1,779 |
| Everett | $1,647 |
| Fairhaven | $2,341 |
| Fall River | $2,190 |
| Falmouth | $3,099 |
| Fayville | $1,566 |
| Feeding Hills | $1,512 |
| Fiskdale | $1,640 |
| Fitchburg | $1,588 |
| Florence | $1,423 |
| Forestdale | $2,754 |
| Foxboro | $1,686 |
| Foxborough | $1,688 |
| Framingham | $1,627 |
| Franklin | $1,688 |
| Franklin Town | $1,689 |
| Gardner | $1,600 |
| Georgetown | $1,714 |
| Gilbertville | $1,601 |
| Gill | $1,394 |
| Glendale | $1,403 |
| Gloucester | $1,943 |
| Goshen | $1,410 |
| Grafton | $1,590 |
| Granby | $1,410 |
| Granville | $1,492 |
| Great Barrington | $1,418 |
| Green Harbor | $2,079 |
| Green Harbor-Cedar Crest | $2,262 |
| Greenbush | $2,070 |
| Greenfield Town | $1,422 |
| Groton | $1,581 |
| Groveland | $1,694 |
| Hadley | $1,436 |
| Halifax | $2,020 |
| Hampden | $1,487 |
| Hanover | $1,936 |
| Hanscom AFB | $1,620 |
| Hanson | $1,968 |
| Harvard | $1,584 |
| Harwich Center | $3,020 |
| Harwich Port | $3,244 |
| Hatfield | $1,384 |
| Hathorne | $1,761 |
| Haverhill | $1,706 |
| Haydenville | $1,407 |
| Heath | $1,500 |
| Hingham | $2,045 |
| Hinsdale | $1,436 |
| Holbrook | $1,717 |
| Holden | $1,611 |
| Holland | $1,515 |
| Holliston | $1,630 |
| Holyoke | $1,601 |
| Hopedale | $1,595 |
| Hopkinton | $1,639 |
| Housatonic | $1,379 |
| Hubbardston | $1,654 |
| Hudson | $1,651 |
| Hull | $2,224 |
| Humarock | $2,174 |
| Huntington | $1,440 |
| Hyannis | $2,964 |
| Hyannis Port | $2,881 |
| Hyde Park | $2,155 |
| Indian Orchard | $1,608 |
| Ipswich | $1,755 |
| Jamaica Plain | $2,168 |
| Jefferson | $1,584 |
| Kingston | $2,181 |
| Lake Pleasant | $1,400 |
| Lakeville | $2,054 |
| Lancaster | $1,661 |
| Lanesboro | $1,444 |
| Lawrence | $1,868 |
| Lee | $1,392 |
| Leeds | $1,413 |
| Leicester | $1,604 |
| Lenox | $1,401 |
| Lenox Dale | $1,377 |
| Leominster | $1,605 |
| Leverett | $1,465 |
| Lexington | $1,583 |
| Lincoln | $1,597 |
| Linwood | $1,587 |
| Littleton | $1,585 |
| Littleton Common | $1,582 |
| Longmeadow | $1,449 |
| Lowell | $1,703 |
| Ludlow | $1,498 |
| Lunenburg | $1,630 |
| Lynn | $2,094 |
| Lynnfield | $1,730 |
| Malden | $1,616 |
| Manchaug | $1,569 |
| Manchester | $1,868 |
| Manchester By The Sea | $1,797 |
| Manomet | $1,964 |
| Mansfield | $1,833 |
| Mansfield Center | $1,823 |
| Marblehead | $1,930 |
| Marion | $2,473 |
| Marion Center | $2,472 |
| Marlborough | $1,670 |
| Marshfield | $2,289 |
| Marshfield Hills | $2,272 |
| Marstons Mills | $3,076 |
| Mashpee | $3,047 |
| Mashpee Neck | $3,053 |
| Mattapan | $2,157 |
| Mattapoisett | $2,452 |
| Mattapoisett Center | $2,440 |
| Maynard | $1,628 |
| Medfield | $1,669 |
| Medford | $1,624 |
| Medway | $1,699 |
| Melrose | $1,619 |
| Mendon | $1,638 |
| Menemsha | $3,427 |
| Merrimac | $1,692 |
| Methuen Town | $1,669 |
| Middleboro | $2,015 |
| Middleborough Center | $2,015 |
| Middlefield | $1,427 |
| Middleton | $1,678 |
| Milford | $1,623 |
| Mill River | $1,446 |
| Millbury | $1,616 |
| Millers Falls | $1,417 |
| Millis | $1,705 |
| Millis-Clicquot | $1,705 |
| Millville | $1,602 |
| Milton | $1,684 |
| Milton Village | $1,682 |
| Minot | $2,160 |
| Monponsett | $1,974 |
| Monroe Bridge | $1,450 |
| Monson | $1,470 |
| Monson Center | $1,468 |
| Montague | $1,446 |
| Monterey | $1,459 |
| Monument Beach | $2,728 |
| Nahant | $1,952 |
| Nantucket | $3,537 |
| Natick | $1,629 |
| Needham | $1,630 |
| Needham Heights | $1,600 |
| New Bedford | $2,343 |
| New Braintree | $1,588 |
| New Salem | $1,473 |
| New Seabury | $3,050 |
| New Town | $1,612 |
| Newbury | $1,717 |
| Newburyport | $1,720 |
| Newton | $1,587 |
| Newton Center | $1,630 |
| Newton Highlands | $1,638 |
| Newton Lower Falls | $1,613 |
| Newton Upper Falls | $1,640 |
| Newtonville | $1,618 |
| Nonantum | $1,628 |
| Norfolk | $1,684 |
| North Adams | $1,427 |
| North Amherst | $1,420 |
| North Andover | $1,673 |
| North Attleboro | $1,813 |
| North Billerica | $1,609 |
| North Brookfield | $1,599 |
| North Carver | $1,914 |
| North Chatham | $3,293 |
| North Chelmsford | $1,628 |
| North Dartmouth | $2,241 |
| North Dighton | $1,882 |
| North Eastham | $2,935 |
| North Easton | $1,830 |
| North Egremont | $1,439 |
| North Falmouth | $2,843 |
| North Grafton | $1,629 |
| North Hatfield | $1,426 |
| North Lakeville | $2,012 |
| North Marshfield | $2,163 |
| North Oxford | $1,593 |
| North Pembroke | $1,946 |
| North Plymouth | $2,191 |
| North Reading | $1,615 |
| North Scituate | $2,205 |
| North Seekonk | $1,877 |
| North Truro | $2,861 |
| North Uxbridge | $1,605 |
| North Waltham | $1,599 |
| North Westport | $2,219 |
| North Weymouth | $1,727 |
| Northampton | $1,415 |
| Northborough | $1,621 |
| Northbridge | $1,631 |
| Northfield | $1,460 |
| Northwest Harwich | $2,942 |
| Norton | $1,817 |
| Norton Center | $1,818 |
| Norwell | $1,984 |
| Norwood | $1,705 |
| Nutting Lake | $1,608 |
| Oak Bluffs | $3,412 |
| Oakham | $1,629 |
| Ocean Bluff | $2,140 |
| Ocean Bluff-Brant Rock | $2,262 |
| Ocean Grove | $2,122 |
| Onset | $2,365 |
| Orange | $1,428 |
| Orleans | $2,872 |
| Osterville | $2,801 |
| Otis | $1,464 |
| Oxford | $1,661 |
| Palmer | $1,502 |
| Paxton | $1,628 |
| Peabody | $1,760 |
| Pembroke | $1,948 |
| Pepperell | $1,578 |
| Petersham | $1,628 |
| Pinehurst | $1,606 |
| Pittsfield | $1,425 |
| Plainfield | $1,443 |
| Plainville | $1,704 |
| Plymouth | $2,191 |
| Plympton | $2,027 |
| Pocasset | $2,744 |
| Prides Crossing | $1,754 |
| Princeton | $1,616 |
| Provincetown | $3,115 |
| Quincy | $1,888 |
| Randolph | $1,711 |
| Raynham | $1,901 |
| Raynham Center | $1,911 |
| Reading | $1,616 |
| Readville | $2,167 |
| Rehoboth | $1,887 |
| Revere | $2,411 |
| Richmond | $1,399 |
| Rochdale | $1,609 |
| Rochester | $2,213 |
| Rockland | $1,953 |
| Rockport | $1,880 |
| Roslindale | $2,153 |
| Rowe | $1,440 |
| Rowley | $1,749 |
| Roxbury | $2,214 |
| Roxbury Crossing | $2,182 |
| Royalston | $1,639 |
| Russell | $1,485 |
| Rutland | $1,611 |
| Sagamore | $2,769 |
| Sagamore Beach | $2,813 |
| Salem | $1,853 |
| Salisbury | $1,753 |
| Sandisfield | $1,496 |
| Sandwich | $2,726 |
| Saugus | $1,815 |
| Savoy | $1,438 |
| Scituate | $2,209 |
| Seekonk | $1,890 |
| Sharon | $1,697 |
| Sheffield | $1,437 |
| Shelburne Falls | $1,439 |
| Sheldonville | $1,687 |
| Sherborn | $1,619 |
| Shirley | $1,593 |
| Shrewsbury | $1,625 |
| Shutesbury | $1,460 |
| Siasconset | $3,558 |
| Silver Beach | $2,731 |
| Smith Mills | $2,247 |
| Somerset | $2,146 |
| Somerville | $1,636 |
| South Amherst | $1,419 |
| South Ashburnham | $1,600 |
| South Barre | $1,592 |
| South Boston | $2,300 |
| South Carver | $2,090 |
| South Chatham | $3,265 |
| South Dartmouth | $2,434 |
| South Deerfield | $1,439 |
| South Dennis | $2,851 |
| South Duxbury | $2,219 |
| South Easton | $1,782 |
| South Egremont | $1,435 |
| South Grafton | $1,599 |
| South Hadley | $1,438 |
| South Hamilton | $1,729 |
| South Harwich | $2,999 |
| South Lancaster | $1,642 |
| South Lee | $1,456 |
| South Orleans | $3,000 |
| South Walpole | $1,687 |
| South Wellfleet | $2,999 |
| South Weymouth | $1,700 |
| South Yarmouth | $2,951 |
| Southampton | $1,422 |
| Southborough | $1,570 |
| Southbridge | $1,625 |
| Southbridge Town | $1,630 |
| Southfield | $1,493 |
| Southwick | $1,500 |
| Spencer | $1,619 |
| Springfield | $1,922 |
| Sterling | $1,594 |
| Still River | $1,569 |
| Stockbridge | $1,399 |
| Stoneham | $1,609 |
| Stoughton | $1,709 |
| Stow | $1,612 |
| Sturbridge | $1,634 |
| Sudbury | $1,599 |
| Sunderland | $1,413 |
| Sutton | $1,636 |
| Swampscott | $1,853 |
| Swansea | $2,113 |
| Taunton | $1,857 |
| Teaticket | $3,014 |
| Templeton | $1,620 |
| Tewksbury | $1,621 |
| Thorndike | $1,457 |
| Three Rivers | $1,446 |
| Topsfield | $1,709 |
| Townsend | $1,576 |
| Truro | $3,087 |
| Turners Falls | $1,419 |
| Tyngsboro | $1,582 |
| Upton | $1,606 |
| Uxbridge | $1,627 |
| Village Of Nagog Woods | $1,589 |
| Vineyard Haven | $3,414 |
| Waban | $1,612 |
| Wakefield | $1,592 |
| Wales | $1,510 |
| Walpole | $1,680 |
| Waltham | $1,639 |
| Ware | $1,441 |
| Wareham | $2,395 |
| Wareham Center | $2,390 |
| Warren | $1,628 |
| Warwick | $1,449 |
| Watertown Town | $1,617 |
| Waverley | $1,593 |
| Wayland | $1,644 |
| Webster | $1,630 |
| Wellesley | $1,619 |
| Wellesley Hills | $1,633 |
| Wellfleet | $3,092 |
| Wendell | $1,451 |
| Wendell Depot | $1,442 |
| Wenham | $1,722 |
| West Barnstable | $2,777 |
| West Boxford | $1,753 |
| West Boylston | $1,620 |
| West Bridgewater | $1,925 |
| West Brookfield | $1,626 |
| West Chatham | $3,301 |
| West Chesterfield | $1,421 |
| West Chop | $3,535 |
| West Concord | $1,608 |
| West Dennis | $2,990 |
| West Falmouth | $3,099 |
| West Groton | $1,577 |
| West Harwich | $3,244 |
| West Hatfield | $1,388 |
| West Hyannisport | $3,253 |
| West Medford | $1,601 |
| West Millbury | $1,608 |
| West Newbury | $1,698 |
| West Newton | $1,634 |
| West Roxbury | $2,134 |
| West Springfield Town | $1,449 |
| West Stockbridge | $1,429 |
| West Tisbury | $3,509 |
| West Townsend | $1,611 |
| West Wareham | $2,379 |
| West Warren | $1,636 |
| West Yarmouth | $2,971 |
| Westborough | $1,620 |
| Westfield | $1,465 |
| Westford | $1,569 |
| Westminster | $1,592 |
| Weston | $1,608 |
| Westport | $2,218 |
| Westport Point | $2,207 |
| Westwood | $1,674 |
| Weweantic | $2,406 |
| Weymouth | $1,739 |
| Whately | $1,425 |
| Wheelwright | $1,591 |
| White Horse Beach | $1,930 |
| White Island Shores | $2,331 |
| Whitinsville | $1,619 |
| Whitman | $1,929 |
| Wilbraham | $1,473 |
| Williamsburg | $1,421 |
| Williamstown | $1,395 |
| Wilmington | $1,656 |
| Winchendon | $1,601 |
| Winchendon Springs | $1,575 |
| Winchester | $1,608 |
| Windsor | $1,437 |
| Winthrop Town | $2,435 |
| Woburn | $1,633 |
| Woods Hole | $3,085 |
| Woodville | $1,629 |
| Worcester | $1,785 |
| Woronoco | $1,483 |
| Worthington | $1,405 |
| Wrentham | $1,690 |
| Yarmouth Port | $2,783 |
Current state of homeowners insurance in Massachusetts
LendingTree’s 2026 Home Insurance Stability Report found that Massachusetts has the most stable home insurance market of all 50 states. It experienced one of the lowest rate increases from 2020 to 2025 in the nation, it has a low percentage of uninsured homes and people spend less of their income on insurance there.
However, homeowners who live on the water may have a different experience. Between strengthening storms and the cost of rebuilding, some insurance carriers in Massachusetts are pulling out of coastal markets.
If you’re having a hard time finding a company that will insure you, you may qualify for the Massachusetts FAIR Plan.
The FAIR Plan, or Fair Access to Insurance Requirements Plan, is an “insurer of last resort” and helps provide basic coverage for high-risk homes. Talk to a local insurance agent for more information.
How to compare homeowners insurance in Massachusetts
Finding the right policy is more than getting the cheapest rate. When comparing options, also consider:
- Coverage limits: Make an apples-to-apples comparison by using the same coverage limits and coverage types for your quotes.
- Deductibles: Higher deductibles result in lower premiums, but don’t set them so high that it would be difficult to afford if you need to file a claim. In Massachusetts, you may also have a separate deductible for wind coverage.
- Add-ons: If a certain coverage type is important to you, you may need to do some targeted shopping. Every company decides what decides what add-ons (or endorsements) it offers.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward, especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
The average cost of homeowners insurance in Massachusetts is $1,836 a year. Your premium may be higher or lower depending on your home’s location, age, replacement cost, the amount of coverage you choose and other factors.
Norfolk & Dedham is the cheapest homeowners insurance company in Massachusetts, with an average annual premium of $585 for $400,000 worth of dwelling coverage. Still, that’s just the average. Rates vary from person to person, so the company with the lowest average premium may not offer the lowest quote for you.
Homeowners insurance is not a legal requirement in Massachusetts, but if you’re making house payments, your mortgage company almost certainly requires it.
Methodology
How we chose the best homeowners insurance in Massachusetts
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Massachusetts ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.