The MFP’s Community Home Insurance Survey uses Massachusetts homeowners opinions and recommendations for home insurers, agents, and brokers. It also display premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Massachusetts’s Own Homeowners>>
- Massachusetts Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Biggest Home Insurance Cost Factors in Massachusetts
- Best Home Insurance Discounts in Massachusetts
- How to Find the Best Cheap Home Insurance in MA
- 6 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Mass?
- What Extra Coverage Can Homeowners Get in Massachusetts?
- FAQ: Home Insurance in Massachusetts
Massachusetts Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Massachusetts are Amica, Safety Insurance and USAA.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| Amica | 4.5 | 5 | 3.5 | 4 | 90% |
| State Farm | 4 | 4 | 4.5 | 5 | 85% |
| USAA | 4.5 | 5 | 4 | 4 | 92% |
| Allstate | 4 | 3.5 | 4 | 4 | 80% |
| Nationwide | 4 | 4 | 4 | 4 | 82% |
| Liberty Mutual | 3.5 | 3.5 | 4 | 4 | 78% |
| Travelers | 4 | 4 | 3.5 | 3.5 | 75% |
| Farmers | 3.5 | 3 | 4 | 3.5 | 70% |
| GEICO | 3.5 | 3.5 | 4.5 | 4.5 | 77% |
| Safety Insurance | 4 | 4 | 3 | 3 | 83% |
Massachusetts average home insurance for a $1,000 deductible:
- Massachusetts average premiums for a $300K Home is $1,088 (while it’s $1,568 nationally).
- Massachusetts average premiums for a $400K Home is $1,522. It’s $2,088 nationally.
- Massachusetts average premiums for a $600K Home is $2,197 (and it’s $2,906 nationally).
Best Insurance in Massachusetts’ cities
Boston, Worcester, Springfield, Cambridge, Lowell, Brockton, Lynn, Quincy, New Bedford, Fall River
Recommendations are gathered from 2,947 local Bay Staters members who requested quotes, filed a claim or got new home insurance in the past 12 months. We surveyed cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Massachusetts Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Massachusetts Mortgage & Rates
Massachusetts Best Mortgage Lenders from Community Recommendations
Massachusetts Best Refinance Lenders from Community Recommendations
More Resources for Massachusetts Homeowners.
Boston Home Insurance Costs
Compare Boston 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Boston, the average annual insurance cost for a $300K home with a $500 deductible is $1,329. Choosing a $2,000 deductible instead of $500 can lower annual cost by 21.1% in Boston for a $300K home.
Boston’s $600K home insurance cost is 2.5% higher than the Massachusetts average of $2,444. The Boston average annual cost for a $600K home with a $500 deductible is $2,505.
In Boston, the average annual cost for a $800K Home with a $500 deductible is $3,131. Its cost is 0.0% higher than the Massachusetts average of $3,131.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $457 | $406 | $391 | $361 | $307 | $300 |
| $200K Home | $914 | $813 | $783 | $722 | $614 | $601 |
| $300K Home | $1,329 | $1,181 | $1,138 | $1,049 | $892 | $873 |
| $400K Home | $1,744 | $1,549 | $1,493 | $1,376 | $1,170 | $1,145 |
| $600K Home | $2,505 | $2,226 | $2,145 | $1,977 | $1,681 | $1,645 |
| $800K Home | $3,131 | $2,782 | $2,681 | $2,471 | $2,101 | $2,057 |
| $1M Home | $3,632 | $3,227 | $3,110 | $2,867 | $2,438 | $2,386 |
Boston Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Boston’s area are Amica, MAPFRE, and Safety Insurance.
- Amica (92%): Homeowners praise its seamless claims process and responsive customer service.
- MAPFRE (88%): Members highlight its competitive rates and local agent support.
- Safety Insurance (85%): Users appreciate its tailored coverage options for coastal properties.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 92% |
| MAPFRE | Insurer | 4 | 4 | 4 | 5 | 88% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 85% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 78% |
| Travelers | Agents | 4 | 4 | 3 | 3 | 75% |
| Cambridge Insurance Advisors | Broker | 4 | 4 | 3 | 4 | 82% |
| Cover 2 Consulting Group | Broker | 3 | 4 | 3 | 3 | 80% |
| Leisman Insurance Inc | Broker | 4 | 4 | 3 | 4 | 83% |
| HUB International | Broker | 4 | 4 | 4 | 3 | 81% |
| Kovalev Insurance | Broker | 4 | 5 | 3 | 4 | 87% |
See also:
Worcester Home Insurance Costs
Compare Worcester 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Worcester, the average annual insurance cost for a $300K home with a $500 deductible is $1,187. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Worcester for a $300K home.
Worcester’s $600K home insurance cost is 1.4% lower than the Massachusetts average of $2,444. The Worcester average annual cost for a $600K home with a $500 deductible is $2,411.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $351 | $314 | $303 | $281 | $242 |
| $200K Home | $702 | $627 | $607 | $561 | $484 |
| $300K Home | $1,187 | $1,061 | $1,026 | $949 | $819 |
| $400K Home | $1,672 | $1,495 | $1,445 | $1,337 | $1,154 |
| $600K Home | $2,411 | $2,155 | $2,084 | $1,927 | $1,663 |
Worcester Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Worcester’s area are Amica, The Hanover, and Vermont Mutual.
- Amica (90%): Homeowners commend its hassle-free policy management and fair pricing.
- The Hanover (84%): Members value its extensive add-on options for older homes.
- Vermont Mutual (82%): Users report fast claims resolution and transparent communication.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 90% |
| The Hanover | Insurer | 4 | 4 | 3 | 4 | 84% |
| Vermont Mutual | Insurer | 4 | 4 | 3 | 4 | 82% |
| Concord Group | Insurer | 4 | 4 | 3 | 3 | 80% |
| Patriot Financial Group | Broker | 3 | 4 | 3 | 3 | 78% |
| Cambridge Insurance Advisors | Broker | 4 | 4 | 3 | 4 | 81% |
| Karam Financial Group | Broker | 3 | 3 | 3 | 3 | 75% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 83% |
| MAPFRE | Insurer | 4 | 4 | 4 | 4 | 85% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 77% |
See also:
Worcester Best Refinance Lenders
Worcester Best Home Loan Lenders
Springfield Home Insurance Costs
Compare Springfield 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Springfield average annual cost for a $300K home with a $500 deductible is $1,187. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Springfield for a $300K home.
Springfield’s $600K home insurance cost is 1.4% lower than the Massachusetts average of $2,444. The Springfield average annual cost for a $600K home with a $500 deductible is $2,409.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $351 | $314 | $303 | $281 | $242 |
| $200K Home | $703 | $628 | $607 | $562 | $485 |
| $300K Home | $1,187 | $1,061 | $1,026 | $949 | $819 |
| $400K Home | $1,671 | $1,494 | $1,445 | $1,336 | $1,153 |
| $600K Home | $2,409 | $2,154 | $2,083 | $1,926 | $1,662 |
Springfield Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Springfield’s area are Amica, Nationwide, and Andover Companies.
- Amica (91%): Homeowners highlight its no-hassle claims and generous discounts.
- Nationwide (83%): Members appreciate its smart home device incentives and bundling options.
- Andover Companies (81%): Users note its superior dwelling coverage for historic homes.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 91% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 83% |
| Andover Companies | Insurer | 5 | 4 | 3 | 3 | 81% |
| Travelers | Agents | 4 | 4 | 3 | 3 | 79% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 84% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 76% |
| Kovalev Insurance | Broker | 4 | 5 | 3 | 4 | 86% |
| HUB International | Broker | 4 | 4 | 4 | 3 | 80% |
| PFG Network Advantage | Broker | 3 | 4 | 3 | 3 | 78% |
| Concord Group | Insurer | 4 | 4 | 3 | 3 | 82% |
See also:
Springfield Best Refinance Lenders
Springfield Best Home Loan Lenders
Cambridge Home Insurance Costs
Compare Cambridge 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Cambridge average annual cost for a $300K home with a $500 deductible is $1,187. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Cambridge for a $300K home.
Cambridge’s $600K home insurance cost is 1.6% lower than the Massachusetts average of $2,444. The Cambridge average annual cost for a $600K home with a $500 deductible is $2,405.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $351 | $314 | $304 | $281 | $242 |
| $200K Home | $703 | $628 | $607 | $562 | $485 |
| $300K Home | $1,187 | $1,061 | $1,026 | $949 | $819 |
| $400K Home | $1,671 | $1,494 | $1,445 | $1,336 | $1,153 |
| $600K Home | $2,405 | $2,150 | $2,079 | $1,923 | $1,659 |
Cambridge Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Cambridge’s area are Amica, Chubb, and MAPFRE.
- Amica (93%): Members applaud its high-value home coverage and Platinum Choice upgrades.
- Chubb (87%): Homeowners cite its perks like HomeScan infrared inspections and guaranteed rebuilds.
- MAPFRE (85%): Users favor its local agent network and eco-friendly rebuild endorsements.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 93% |
| Chubb | Insurer | 5 | 5 | 3 | 2 | 87% |
| MAPFRE | Insurer | 4 | 4 | 4 | 4 | 85% |
| Cambridge Insurance Advisors | Broker | 4 | 4 | 3 | 4 | 84% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 86% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 77% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 83% |
| Leisman Insurance Inc | Broker | 4 | 4 | 3 | 4 | 82% |
| HUB International | Broker | 4 | 4 | 4 | 3 | 81% |
| Andover Companies | Insurer | 5 | 4 | 3 | 3 | 80% |
See also:
Cambridge Best Refinance Lenders
Cambridge Best Home Loan Lenders
Lowell Home Insurance Costs
Compare Lowell 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Lowell, the average annual insurance cost for a $300K home with a $500 deductible is $1,187. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Lowell for a $300K home.
Lowell’s $600K home insurance cost is 1.7% lower than the Massachusetts average of $2,444. The Lowell average annual cost for a $600K home with a $500 deductible is $2,403.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $351 | $314 | $304 | $281 | $242 |
| $200K Home | $703 | $629 | $608 | $562 | $485 |
| $300K Home | $1,187 | $1,061 | $1,026 | $949 | $819 |
| $400K Home | $1,671 | $1,493 | $1,444 | $1,336 | $1,153 |
| $600K Home | $2,403 | $2,148 | $2,077 | $1,922 | $1,658 |
Lowell Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Lowell’s area are Amica, MAPFRE, and Safety Insurance.
- Amica (91%): Homeowners praise its seamless claims process and responsive customer service.
- MAPFRE (87%): Members highlight its competitive rates and local agent support.
- Safety Insurance (84%): Users appreciate its tailored coverage options for coastal properties.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 91% |
| MAPFRE | Insurer | 4 | 4 | 4 | 4 | 87% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 84% |
| Kaplansky Insurance | Broker | 4 | 4 | 3 | 4 | 83% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 78% |
| Travelers | Agents | 4 | 4 | 3 | 3 | 77% |
| Concord Group | Insurer | 4 | 4 | 3 | 3 | 82% |
| Allstate | Agents | 4 | 3 | 4 | 3 | 76% |
| HUB International | Broker | 4 | 4 | 4 | 3 | 81% |
| Farmers | Agents | 3 | 3 | 4 | 3 | 75% |
See also:
Brockton Home Insurance Costs
Compare Brockton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Brockton average annual cost for a $300K home with a $500 deductible is $1,187. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Brockton for a $300K home.
Brockton’s $600K home insurance cost is 1.4% lower than the Massachusetts average of $2,444. The Brockton average annual cost for a $600K home with a $500 deductible is $2,410.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $350 | $313 | $303 | $280 | $242 |
| $200K Home | $701 | $626 | $606 | $560 | $484 |
| $300K Home | $1,187 | $1,061 | $1,026 | $949 | $819 |
| $400K Home | $1,673 | $1,496 | $1,446 | $1,338 | $1,154 |
| $600K Home | $2,410 | $2,154 | $2,083 | $1,927 | $1,663 |
Brockton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Brockton’s area are D’Agostino Insurance, J.M. Sullivan Insurance, and Rocco Rose.
- D’Agostino Insurance (88%): Members commend its affordable rates and reliable service.
- J.M. Sullivan Insurance (85%): Users highlight its honest service and tailored policies.
- Rocco Rose (83%): Homeowners appreciate its customized coverage for diverse property types.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| D’Agostino Insurance | Broker | 4 | 4 | 3 | 4 | 88% |
| J.M. Sullivan Insurance | Broker | 4 | 4 | 3 | 4 | 85% |
| Rocco Rose | Broker | 4 | 4 | 3 | 4 | 83% |
| Ace Insurance Services | Broker | 3 | 4 | 3 | 3 | 80% |
| Cushman Insurance Group | Broker | 4 | 4 | 3 | 4 | 82% |
See also:
Brockton Best Refinance Lenders
Brockton Best Home Loan Lenders
Lynn Home Insurance Costs
Compare Lynn 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Lynn, the average annual insurance cost for a $300K home with a $500 deductible is $1,187. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Lynn for a $300K home.
Lynn’s $600K home insurance cost is 1.3% lower than the Massachusetts average of $2,444. The Lynn average annual cost for a $600K home with a $500 deductible is $2,413.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $350 | $313 | $302 | $280 | $241 |
| $200K Home | $700 | $626 | $605 | $560 | $483 |
| $300K Home | $1,187 | $1,061 | $1,026 | $949 | $819 |
| $400K Home | $1,673 | $1,495 | $1,446 | $1,338 | $1,154 |
| $600K Home | $2,413 | $2,157 | $2,086 | $1,929 | $1,665 |
Lynn Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Lynn’s area are Amica, Safety Insurance, and MAPFRE.
- Amica (90%): Homeowners praise its hassle-free policy management and fair pricing.
- Safety Insurance (86%): Members value its local agent network and responsive claims handling.
- MAPFRE (84%): Users report competitive rates and eco-friendly rebuild endorsements.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 90% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 86% |
| MAPFRE | Insurer | 4 | 4 | 4 | 4 | 84% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 77% |
| Travelers | Agents | 4 | 4 | 3 | 3 | 76% |
See also:
Quincy Home Insurance Costs
Compare Quincy 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Quincy, the average annual insurance cost for a $300K home with a $500 deductible is $1,187. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Quincy for a $300K home.
Quincy’s $600K home insurance cost is 1.4% lower than the Massachusetts average of $2,444. The Quincy average annual cost for a $600K home with a $500 deductible is $2,409.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $351 | $314 | $303 | $280 | $242 |
| $200K Home | $701 | $627 | $606 | $561 | $484 |
| $300K Home | $1,187 | $1,061 | $1,026 | $949 | $819 |
| $400K Home | $1,672 | $1,494 | $1,445 | $1,336 | $1,153 |
| $600K Home | $2,409 | $2,154 | $2,083 | $1,926 | $1,662 |
Quincy Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Quincy’s area are Amica, Andover Companies, and Ralph Talanian Insurance.
- Amica (92%): Members applaud its high-value home coverage and Platinum Choice upgrades.
- Andover Companies (85%): Homeowners cite its superior dwelling coverage for historic homes.
- Ralph Talanian Insurance (83%): Users favor its cost-effective plans from local carriers.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 92% |
| Andover Companies | Insurer | 5 | 4 | 3 | 3 | 85% |
| Ralph Talanian Insurance | Broker | 4 | 4 | 3 | 4 | 83% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 76% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 82% |
See also:
New Bedford Home Insurance Costs
Compare New Bedford 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
New Bedford average annual cost for a $300K home with a $500 deductible is $966. Choosing a $2,000 deductible instead of $500 can lower annual cost by 22.7% in New Bedford for a $300K home.
New Bedford’s $600K home insurance cost is 13.0% lower than the Massachusetts average of $2,444. The New Bedford average annual cost for a $600K home with a $500 deductible is $2,126.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $286 | $259 | $244 | $221 | $208 |
| $200K Home | $572 | $517 | $487 | $442 | $415 |
| $300K Home | $966 | $874 | $823 | $747 | $702 |
| $400K Home | $1,360 | $1,231 | $1,159 | $1,052 | $989 |
| $600K Home | $2,126 | $1,923 | $1,811 | $1,644 | $1,545 |
New Bedford Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in New Bedford’s area are Amica, The Hanover, and Vermont Mutual.
- Amica (89%): Homeowners commend its no-hassle claims and generous discounts.
- The Hanover (84%): Members appreciate its extensive add-on options for older homes.
- Vermont Mutual (82%): Users report fast claims resolution and transparent communication.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 89% |
| The Hanover | Insurer | 4 | 4 | 3 | 4 | 84% |
| Vermont Mutual | Insurer | 4 | 4 | 3 | 4 | 82% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 81% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 75% |
See also:
New Bedford Best Refinance Lenders
New Bedford Best Home Loan Lenders
Fall River Home Insurance Costs
Compare Fall River 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Fall River, the average annual insurance cost for a $300K home with a $500 deductible is $1,502. Choosing a $2,000 deductible instead of $500 can lower annual cost by 13.4% in Fall River for a $300K home.
Fall River’s $600K home insurance cost is 20.7% higher than the Massachusetts average of $2,444. The Fall River average annual cost for a $600K home with a $500 deductible is $2,950.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $443 | $412 | $398 | $383 | $368 |
| $200K Home | $885 | $825 | $796 | $766 | $737 |
| $300K Home | $1,502 | $1,400 | $1,350 | $1,300 | $1,250 |
| $400K Home | $2,119 | $1,975 | $1,904 | $1,834 | $1,763 |
| $600K Home | $2,950 | $2,749 | $2,651 | $2,553 | $2,455 |
Fall River Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Fall River’s area are Amica, Nationwide, and Andover Companies.
- Amica (90%): Homeowners highlight its seamless claims process and responsive service.
- Nationwide (83%): Members appreciate its smart home device incentives and bundling options.
- Andover Companies (81%): Users note its superior dwelling coverage for historic homes.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 90% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 83% |
| Andover Companies | Insurer | 5 | 4 | 3 | 3 | 81% |
| Safety Insurance | Insurer | 4 | 4 | 3 | 4 | 80% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 76% |
See also:
Fall River Best Refinance Lenders
Fall River Best Home Loan Lenders
Main Home Insurance Cost Factors in Massachusetts
Weather Risks
Massachusetts faces a variety of weather-related risks that influence home insurance premiums. Coastal areas are vulnerable to nor’easters, hurricanes, and storm surges, while inland regions can experience heavy snowfall and ice storms. Flooding from intense rainfall or snowmelt is a growing concern, particularly in low-lying and river-adjacent areas. Insurers factor in the frequency and severity of these events when determining rates, with higher premiums in regions that historically see more weather-related claims.
Home Construction Age
Massachusetts has one of the oldest housing stocks in the U.S., with many homes over 50 years old. Older homes often have outdated electrical systems, aging roofs, and materials that are more expensive to repair or replace, which raises insurance costs. Conversely, newer homes often meet stricter building codes and use resilient materials, resulting in lower premiums. The table below illustrates how age impacts typical premiums, with adjustments reflecting local conditions — in Massachusetts, homes over 60 years old may be toward the higher end of the range due to historical building materials and higher restoration costs.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 15% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
Credit Score
In Massachusetts, credit scores can significantly influence home insurance costs. While state regulations prevent extreme use of credit in underwriting compared to some states, insurers still consider credit-based insurance scores to assess risk. Homeowners with poor credit tend to pay much higher premiums due to perceived higher claim likelihood. The table below reflects typical cost differences in Massachusetts.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
Location Within the State
Where your home is located in Massachusetts has a major effect on insurance rates. Coastal towns like Barnstable, Nantucket, and New Bedford face higher windstorm and flood risks, pushing premiums up. Urban areas such as Boston may have higher rates due to increased rebuilding costs and theft risks. Rural areas can be less expensive but may face higher premiums if they are far from fire stations or use volunteer firefighting services, which can delay emergency response.
Best Home Insurance Discounts in Massachusetts
Common and valuable discounts in Massachusetts include:
- Multi-policy discount – Save by bundling home and auto insurance with the same provider.
- Protective device discount – Lower rates for homes with security systems, smoke detectors, and sprinkler systems.
- Claims-free discount – Reward for going several years without filing a claim.
- New home discount – Lower premiums for recently built homes.
- Loyalty discount – Savings for staying with the same insurer for multiple years.
How to Find the Best Cheap Home Insurance in MA
Homeowners should compare quotes from multiple insurers, as prices can vary widely. Focus on matching coverage amounts, deductibles, and optional coverages to ensure accurate comparisons. The cheapest policy may not offer sufficient coverage, so balance affordability with protection. Look for providers with strong customer service and financial stability ratings.
6 Ways to Reduce Your Home Insurance Cost
- Increase your deductible if you can cover higher out-of-pocket costs in a claim.
- Install security systems and safety devices.
- Bundle home and auto insurance.
- Maintain a good credit score.
- Regularly review and update your coverage to avoid over-insuring.
- Make home improvements, especially to the roof and electrical systems.
What Does Home Insurance Cover in MA?
Typical policies cover the home’s structure, personal belongings, liability protection, and additional living expenses if the home becomes uninhabitable due to a covered loss. Covered perils usually include fire, theft, vandalism, windstorms, and certain types of water damage.
What Extra Coverage Can Homeowners Get in Massachusetts?
Homeowners can purchase additional coverage for flood damage, earthquake damage, sewer backup, and high-value personal items like jewelry or art. Extra coverage is most important for properties in high-risk flood zones, coastal hurricane areas, or for owners of expensive valuables not fully covered by standard policies.
FAQ: Home Insurance in Massachusetts
Does home insurance cover flood damage? No, flood coverage requires a separate policy, often through the National Flood Insurance Program.
Are nor’easter damages covered? Yes, wind and snow damage from nor’easters are usually covered, but flood damage from storm surge is not.
Can I get coverage for an older home? Yes, but expect higher premiums, especially if systems are outdated.
How often should I review my policy? At least once a year, or after major home improvements.