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Homeowners in Boston, Massachusetts, pay an average home insurance rate of $1,465. This is comparable to the state average premium of $1,410 and the national average premium of $1,438. Boston homeowners can make use of the available discounts to reduce their home insurance rates. Below are some of the discounts offered to Boston homeowners.


Homes built using sturdy materials are less prone to damage. As a result, home insurance companies offer considerable discounts to homes built using damage-resistant materials. Boston homes built using fire-resistive materials can avail of a discount of $205 on home insurance rates. Homes built using masonry and brick materials can avail discounts of $73 each, while homes with a hail resistant roof receive a discount of $44.

Home insurance companies also provide discounts based on the career choices of homeowners. USAA offers exclusive services to veterans, active, and retired army personnel. Several other home insurance companies offer discounts to homeowners employed in law enforcement agencies and educational institutions. Senior citizens in Boston can avail of a discount of $205 on their home insurance. Bundling their home and auto insurance policies allows them to receive an additional discount of $249.

Home insurance companies provide discounts to homeowners who have a claims-free history. Moreover, home insurance rates in Boston can increase by up to $205 based on the type and number of claims. Boston homeowners with a claims-free history can avail of discounts of up to $191 on home insurance.

Although most of the factors to avail discounts are not under the control of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Boston homeowners opting for a high deductible of $2,500 can avail of a discount of $413 on homeowners insurance. Homeowners receive discounts of $346 and $232, respectively, on deductibles of $2,000 and $1,500.

The property crime rate in Boston is 21.86 per 1,000 residents. It is safer than 17% of the remaining cities in the U.S. Specifically, Boston has a burglary rate of 2.73 per 1,000 residents, with 1,894 reported incidents. The chance of becoming a victim of property crime in Boston is 1 in 46. Homes with enhanced security features are less prone to burglaries and damage. Hence, home insurance companies encourage homeowners to install home safety devices by offering discounts as incentives. For instance, Boston homes with deadbolts and fire extinguishers can avail of discounts of $191 and $103, respectively, on home insurance rates. Additionally, homes equipped with burglar alarms and smoke detectors receive a discount of $132 and $205, respectively, on homeowners insurance.