The 4 Best Massachusetts Homeowners Insurance Companies

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Massachusetts has a rich history, and its natural beauty and economy make it an attractive place to live. But high property values and sometimes brutal weather — including hurricanes along the coast and winters with heavy snowfall and the potential for ice damage – make homeowners insurance rates in Massachusetts significantly higher than the national average.

According to, the average annual premium in the Bay State is $1,190, which is $38 below the national average. When rates are this high, doing your research and making sure you’re buying the right amount of coverage is essential. We’ve outlined a few providers of homeowners insurance in Massachusetts that can help get you the most insurance for your hard-earned money. We’ve also included an online quote tool so you can easily compare rates.

Find the Best Home Insurance in Massachusetts

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Find the Best Home Insurance

Save money on home insurance with our simple comparison tool.

Our Top Picks for Best Homeowners Insurance in Massachusetts


Backed by a top rating from A.M. Best and named “Best Admitted Property/Casualty Insurance Company” by Business Insurance, Chubb is a solid option for Massachusetts homeowners. The company has strong financial backing and significant claims experience. The company provides comprehensive coverage options for nearly every kind of dwelling with unique policy features. For example, Chubb offers private flood insurance.

A standard Masterpiece Chubb homeowners policy covers condos, co-ops, apartments, townhouses and custom-built residences. Each policy comes with an extended replacement cost feature, allowing you to restore your home and personal belongings to their original condition after a covered loss, even when repair prices exceed your policy limits. Chubb also offers cash settlements in the event of a total loss if you decide not to rebuild, and a free appraisal service to determine the replacement value of your home and help you make an informed decision.

Chubb helps you save money by offering a wide array of discount options. Taking protective measures and installing a burglar alarm, sprinkler system, storm shutters or fire alarm can earn you credit on your Chubb homeowners premium. You can receive additional price breaks for bundling multiple policies through Chubb, insuring a new or recently renovated home, residing in a gated community or living in a home with masonry construction — helpful if you live in one of Boston’s beautiful brownstones.


Arbella provides insurance coverage to residents in Massachusetts and Connecticut. As a smaller company, it uses local, independent agents, making it easy to establish a policy tailored to you and your budget. Arbella partners with MyHomeworks, a website for policyholders that provides useful tips and tools for protecting your home and saving money.

A basic Arbella homeowners insurance policy covers your home from damage caused by fire, lightning, windstorms, hail, frozen pipes and theft. Each policy also protects you from personal liability for damaged caused to your property. Additional options include increased protection for personal injury, personal property replacement and identity fraud. If you choose to purchase identity theft coverage from Arbella, you will also receive theft management and fraud education services from CyberScout.

Arabella prides itself on its customer-focused approach. The company’s policies are backed by a responsive claims department that’s available 24/7. As soon as you file a claim, your case is assigned to a specialist who works with you through the entire process until settlement.

Liberty Mutual

Boston-based insurance giant Liberty Mutual offers its customers a broad range of policy options and affordable prices, as well as more premium discounts than many of its competitors. Liberty Mutual is one of the largest insurance providers in the US.

A standard policy from Liberty Mutual protects against much of the weather-related damage that occurs in the Northeast, including frozen pipes, thunderstorms, lightning and hail. Filing a claim with Liberty Mutual is as simple as going online, calling the 24/7 claims hotline or using its proprietary mobile app. This makes it easy to connect with Liberty Mutual-approved and guaranteed contractors so that you can quickly make the necessary repairs to make your home safe. Its online Catastrophe Center can provide you with information and resources to prepare for and prevent disasters.

Liberty Mutual offers Massachusetts homeowners discounts for bundling insurance policies, installing security and safety features, owning a new or recently renovated home or purchasing 100 percent cost-replacement coverage. The company also rewards new customers who have been claims-free for five years or more, as well as existing customers who have been claims-free for at least three years. If you belong to one of Liberty Mutual’s 14,000 affiliated employers, groups or associations, you can also qualify for exclusive savings options on top of any other discounts you may be eligible for.

MAPFRE Insurance

MAPFRE is an international insurance company and the largest provider of homeowners insurance by market share in the state, insuring over 200,000 homes. MAPFRE offers customers a choice between two homeowners insurance policies: the Commerce, which is the standard option, and the Citation, available for preferred customers.

Additionally, Advantage Endorsement options are available to provide additional protections and increased policy limits. MAPFRE also offers affordable personal umbrella coverage that can cover you for up to $5 million.

Although MAPFRE does not offer many discounts, Commerce policyholders can receive 20 percent off their homeowners insurance premium by combining their auto insurance policy. Both Citation and Commerce customers can also take an additional 3 percent off their premium by going paperless or enrolling in an EFT payment plan.

How much is homeowners insurance in Massachusetts?

The average homeowners insurance premium is $1,190 in Massachusetts, which is 3 percent lower than the national average of $1,228. Of course, the cost will vary by city and depends on the rate factors listed below.

Massachusetts Rate Factors

Massachusetts is prone to severe winters with heavy snowfall and damage from ice related hazards. These can combine to increase cold-weather damage, which can increase your insurance rates.

The 4 Best Massachusetts Homeowners Insurance Companies

Find the Best Home Insurance in Massachusetts

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Find the Best Home Insurance

Save money on home insurance with our simple comparison tool.

For for more information on homeowners insurance, check out our comprehensive Guide to Home Insurance.