Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
-
Read about our editorial standards here.
Massachusetts Home Insurance: Costs, Coverage and How to Save
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
Massachusetts has experienced dozens of weather disasters. The most common ones include nor’easters, severe storms and tropical cyclones. That weather history, combined with the state’s coastal exposure and aging housing stock, makes finding the right homeowners insurance coverage especially important for Bay State homeowners.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on cheapest quotes shown for all Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home + car and save up to 40%.
What Massachusetts homeowners pay right now
Home insurance costs in Massachusetts vary widely based on your home’s age and rebuild cost, your claims history and other factors, like your property’s proximity to the coast and its exposure to nor’easters and winter storms.
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help you find competitive prices and strong coverage, regardless of those factors. Take a look at some recent examples below of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on Jerry customers who found savings in the past 45 days. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Home insurance rates in Massachusetts depend on factors like your home’s age, rebuild costs and proximity to the coast, but shopping around can help you save.
Mix and match home and car insurance with Jerry
Bundling discounts typically range from 5%-25%, depending on the insurer. But bundling your car insurance with the same home carrier isn’t always the cheapest option overall. Sometimes exploring different carrier combinations can cost less. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Massachusetts
There’s no single “best” home insurance company in Massachusetts. It depends on your home, your budget and what kind of coverage you need. For example, homeowners on Cape Cod or Martha’s Vineyard may need carriers that specialize in coastal wind coverage, while those in Worcester or the Pioneer Valley may focus more on finding the lowest premium for standard coverage.
That said, our data shows some clear trends among Massachusetts homeowners. Here are the most popular home insurance companies Jerry customers choose:
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why the variety? Massachusetts homeowners prioritize different things. Some want the lowest premium, many care most about a smooth claims process, and others look for strong digital tools or local agent support. Coastal homeowners may also need carriers willing to write policies in high-wind areas where some national insurers have pulled back.
Also check: The best car insurance in Massachusetts
Jerry recommends: The easiest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Massachusetts
From nor’easters battering the coast to aging colonial homes inland, where you live and what you own in Massachusetts plays a big role in what you pay. Here are the biggest factors driving home insurance costs in the Bay State and how to stay protected.
🌨️ Nor’easters and winter storms
Massachusetts has been impacted by 15 costly winter storm events since 1980, according to NOAA. Nor’easters bring heavy snow, high winds and coastal flooding that can damage roofs, cause ice dams and lead to burst pipes. Insurers factor in your property’s exposure to winter storm damage when setting your rate.
🌊 Coastal wind and hurricane exposure
Homeowners along the coast, especially on Cape Cod, Martha’s Vineyard, Nantucket and the South Shore, face higher premiums due to wind and hurricane risk. Many coastal policies include separate wind deductibles that can be significantly higher than standard deductibles. Some private insurers have reduced their coastal exposure in recent years, pushing more homeowners toward the state’s FAIR Plan.
💧 Flooding
Standard homeowners policies do not cover flood damage. In Massachusetts, flooding can come from coastal storm surge, heavy rainfall or spring snowmelt. Homeowners near rivers, the coast or low-lying areas should strongly consider a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
🏠 Aging housing stock
Massachusetts has some of the oldest homes in the country. Older properties with outdated electrical wiring, plumbing or heating systems can be more expensive to insure due to higher risk of fire, water damage and other issues. Homes with knob-and-tube wiring or aging oil heating systems may face higher premiums or require updates before some carriers will write a policy.
❄️ Ice dams and frozen pipes
Massachusetts winters regularly produce ice dams, which form when heat escapes through the roof and melts snow that refreezes at the eaves. This can force water under shingles and into your home. Frozen pipes are another common winter hazard, particularly in older homes with poor insulation. Both are leading causes of water damage claims in the state.
Key takeaway: Massachusetts’ combination of severe winter storms, coastal wind exposure and older homes all factor into your rate. Understanding these risks helps you find the right coverage.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Massachusetts homeowners, choosing the right coverage levels can save you money while making sure you’re protected when it counts.
Dwelling coverage is the foundation of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by things like fire, wind, hail, lightning or vandalism.
Your dwelling coverage amount is based on your home’s rebuild cost – not its market value – as calculated by your insurer. This is especially important in Massachusetts, where market values in towns like Boston and surrounding communities often far exceed rebuild costs. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Massachusetts homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance in Massachusetts
Massachusetts bans insurers from using your credit score to set home insurance rates. That means your premium is based on your property and claims history, not your financial background.
Bundling your home policy with the cheapest car insurance in Massachusetts is one of the most effective ways to lower your premium, but it’s not the only one. Massachusetts homeowners have several options to reduce costs without cutting coverage. Here are four worth looking into.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer weighs risk factors differently, which means the same home can cost less to insure depending on who you’re with. This is especially true in Massachusetts, where coastal and inland homes are priced very differently. Comparing quotes side-by-side with Jerry is the fastest way to find a better rate.
Recent quotes
Why it matters: Two homeowners in Massachusetts with similar homes can pay very different rates based on location alone. A home in Lowell and a home on Nantucket will be priced differently by every carrier. Jerry shows you quotes side-by-side to help you find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From paying your annual premium upfront to upgrading your home’s safety features, most homeowners qualify for at least a few discounts, and stacking them could add up to serious savings. But insurers don’t always apply all of them, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Massachusetts home insurance discounts:
🔒 Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems like advanced burglar protection and automatic water leak valves.
🔧 Home renovation discount
Updated your electrical, plumbing or heating systems? Some carriers offer discounts when these systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage. In Massachusetts, where many homes are over 50 years old, updating these systems can make a real difference in your premium.
🆕 New home discount
Newer homes are less likely to have costly claims, and insurers reward that. Depending on the carrier, homes built within the last 10 to 15 years may qualify for savings of up to 15% for the first year you’re with an insurance company.
🎓 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%.
🏡 HOA or gated community discount
If your home is in a homeowners association or gated community, you may qualify for a lower premium. Insurers view these properties as lower risk due to added security and regular maintenance.
💳 Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5-10%.
⏳ Loyalty discount
Staying with the same insurer year after year can lead to increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing the longer you stay. But it never hurts to shop around when your policy is up for renewal.
📋 Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your previous policy expires.
🚭 Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
Key takeaway: Most homeowners qualify for multiple discounts, from bundling and security systems to claims-free credits. But insurers don’t always apply them automatically. Jerry can help you find all discounts you’re eligible for to maximize your savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible – the amount you pay out of pocket before insurance kicks in – has a direct impact on your premium. According to the Insurance Information Institute, raising your deductible from $500 to $1,000 can reduce your premium by 10 to 25%, depending on your location, insurer and home’s replacement cost.
The trade-off is simple: a higher deductible means a lower premium, but more out of pocket if you file a claim. To find the right balance:
- Check what you can afford out of pocket. If a $2,000 expense after a storm would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, stick with a lower one.
- Consider how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible.
- Watch for separate wind deductibles. In coastal parts of Massachusetts, many policies include a separate percentage-based wind deductible that can be 1-5% of your dwelling coverage. Make sure you understand what your out-of-pocket cost would be in a wind event.
The Jerry difference: Jerry lets you compare quotes for different deductible amounts to see how it affects your home insurance costs.
Jerry Agent Tip 4: Winterize and maintain your home
Since Massachusetts bans insurers from using credit scores to set homeowners insurance rates, your premium is based on factors like your home’s condition, age, location and claims history. That means keeping your home well-maintained is one of the most effective things you can do to keep your rate down.
Focus on winterizing your home to reduce the risk of ice dams, burst pipes and roof damage. Key steps include insulating your attic and pipes, keeping your thermostat at a safe temperature and clearing gutters before winter. Replacing an aging roof can also make a big difference, since insurers look closely at roof condition and age when pricing your policy.
If your home has older systems like knob-and-tube wiring or outdated plumbing, upgrading those can open up more carrier options and potentially lower your rate. Some insurers may decline to write policies on homes with certain outdated systems.
Key takeaway: In Massachusetts, your credit won’t affect your home insurance rate. Focus on maintaining your home, updating older systems and keeping a clean claims history to help keep your premium low.
Compare home + car bundles in one place, all online.
FAQ
-
💰 How much is homeowners insurance in Massachusetts?
-
🌨️ Does homeowners insurance cover nor’easter damage in Massachusetts?
-
🌊 What is the Massachusetts FAIR Plan?
-
📊 Does my credit score affect my home insurance rate in Massachusetts?
-
🏠 Is home insurance required in Massachusetts?
-
💧 Do I need flood insurance in Massachusetts?
-
❄️ Does home insurance cover ice dam damage?
-
💡 How can I lower my home insurance in Massachusetts?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.