Boston, MA Home Insurance - Analysis On Quotes, Rates & Agents

Boston, MA Insurance Rates:

The average cost of home insurance in Boston, MA is $1465.5. vHome analyzed multiple home insurance quotes in Boston, MA to narrow down the list of the cheapest insurance companies in Boston, MA. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

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Average Home Insurance Premium in Boston, MA

National Average Premium State Average Premium Boston Average Premium
$1,438 $1,410 $1,465.5

Top Home Insurance Companies in Boston, MA | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Liberty Mutual $1,199 $1,439 $1,870 $2,581
Travelers $1,236 $1,484 $1,929 $2,662
Dorchester Mutual $925 $1,110 $1,443 $1,991
State Farm $922 $1,106 $1,438 $1,985

Boston, MA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 270.55
$150,000 To $174,999 445.14
$175,000 To $199,999 554.11
$200,000 To $249,999 701.52
$250,000 To $299,999 911.87
$300,000 To $399,999 1,238.69
$400,000 To $499,999 1,607.1
$500,000 To $749,999 2,057.09
$750,000 To $999,999 2,378.51
$1000,000 To $1499,999 2,619.58
$1500,000 To $2000,000 2,812.43

Visual Guide for Boston, MA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Boston, MA | Back to Top

Home Insurance Company Near Boston, MA Homeowners Insurance Agency Near Boston, MA Address
Travelers A James Lynch Insurance Agency 297 BROADWAY, LYNN, MA, 1904
Nationwide James M Dolan 560 Mendon Rd, Cumberland, RI, 02864-6215
Travelers Telamon Insurance & Financial Network Llc 150 WELLS AVE, NEWTON, MA, 2459

List of Boston, MA Home Insurance Agents by Companies

Boston, MA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Boston, MA with no claims filed get a discount of $190.51, whereas homeowners with one claim have to file an additional home insurance rate of $117 while homeowners with 2 claims have to pay an additional $205 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -191 1,275
One Claim +117 1,583
Two Claim +205 1,671

Factors Affecting Home Insurance Premiums in Boston, MA

The average cost of homeowners insurance in Boston, MA is $1465.5. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

Boston, MA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 569
3 Bedroom 1,066
4 Bedroom 2,274
5 Bedroom 2,416

Boston, MA Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,448
$1000 Deductible 1,310
$1500 Deductible 1,233
$2000 Deductible 1,119
$2500 Deductible 1,052

Boston, MA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Boston, MA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,158
Year 30 Old 1,487
Year 40 Old 1,504
Year 50 Old 1,521
Above Year 50 1,536

Boston, MA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 205 1,260
Masonry 73 1,392
Brick 73 1,392
Superior 132 1,334
Hail Resistant Roof 44 1,422

Top Saving Tips on Boston, MA Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Boston, MA homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that Boston, MA homeowners can take advantage of to increase their savings.

Boston, MA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 249 1,216
Retiree Discount (Senior Citizen Discount) 205 1,671
Newly Constructed Home 308 1,158

Boston, MA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 191 1,275
Fire Extinguishers 103 1,363
Smoke Detectors 205 1,260
Sprinkler System 191 1,275
Fire Alarm 73 1,392
Burglar Alarm 132 1,334
Lightning Protection 44 1,422

Latest Home Insurance Reviews

Liberty Mutual
My home insurance company Liberty Mutual has good deductible for my policy, If offers the same coverage but for a lower cost. I give it a 5 stars rating.
State Farm
I would recommend it to anyone that would like to save some money and get some good peace of mind. We have felt safe and secure the whole time we have been with State Farm.
State Farm
I prefer State Farm because they can offer me additional discounts that other insurance providers have failed to do so. I have been with the company for a long time period.
State Farm
I would recommend this company to any other friends who are moving into an apartment complex!
I would recommend using AAA to anyone who was looking for insurance. They are easy to work with and it is not difficult to get started. I think that their company does a good job and their agents look out for their customers.
Completely satisfied with this company. I like that they are local and you can actually talk to someone in a brick and mortar building. Would definitely recommend for anyone buying homeowners insurance.
I'm not very familiar with other insurance companies policy offerings as I've only ever been insured through Progressive. I would rate at 5.
State Farm
I feel our home insurance policy through State Farm is good. It covers everything we need.
My home insurance company policy offerings are a 3. I am pleased with the prices, but know there are loopholes that won't cover certain things. but we have to have insurance and are on a budget so this is the best we can do.
State Farm
I love my homeowners insurance policy company. They are warm and friendly. They always go above and beyond to help me when I have questions as well as concerns as to what is covered.
State Farm
I would recommend my home insurance company to others because of their excellent customer service, decent coverage, and fair premiums and deductibles.
Safety Insurance
The coverage and price is very good compared to the competitors offers. We have not needed to use their services as of now.
I have had nothing but good experiences with this company. From the moment I signed up they have been there to answer all the questions I have and have been very helpful. I highly recommend their services since they are very reputable.
Liberty Mutual
I can honestly say that I have not compared my policy with other companies in many years. I have no doubt that all of the other insurance companies out there offer comparable coverage as far as premiums and deductibles are concerned.
State Farm
State farm has a slick, painless homeowners claim process. i've had 2 large claims in the past 15 years (storms) and both were settled within one week.
Allstate is too expensive for a monthly payment. it's hard to afford allstate when trying to afford other bills. especially when you're only making minimum wage.
Never seemed to be unable to help me. with my low bundled rate of home and auto, i actually pay less for both than i would for just one.
State Farm
The insurance company has always communicated with me about claims and changes to my insurance. If I had questions they have answered them fully and to the best of their knowledge.
There is a lot of paperwork that has to be done in order to get the process started and that makes things a little nerve racking when you are buying a house.
State Farm
My premium is a little high in my opinion but compared to other companies from which I got quotes, this one was the best deal all around.
State Farm
Although the premium might be a little higher, it does pay to have peace of mind when dealing with such a large investment and important part of our lives.
Homesite Insurance
Very mediocre company. If I could find a better deal I would take it, but my options appear to be limited.
I like the rate and have only had good experiences with them so I would say that I am overall satisfied.
Liberty Mutual
I called the company about the claim, they looked up my information and asked to provide proof of the claim to email or fax, sent the information and everything was then handled by the company
State Farm
I like the warmth and professionalism that they have. There has not been a time when I have had an impolite customer service rep. Our local agent has been amazing at finding us discounts as well as answering any questions that pop up. They have given us the best rate by far for what we are in need of.
National General
We switched recently and the process was quite easy. Their prices were almost half of what the other companies were and the coverage was good.
State Farm
I like that the company has a good reputation for providing the best coverage - I like knowing that if there is a claim that the company will not have an issue paying a reasonable claim
I like how they are positioned compared to other companies. I feel the cost is fair. I like the reliability that the company offers.
I really do not have anything that I dislike about the company. I have been a loyal customer for over 7 years and I like everything about them
i enjoy the customer service and the effectiveness of my insurance companies performance and services. The low and affordable prices are what really keep me.
Olympus Insurance
Overall, I do recommend checking to see if Olympus has a policy that is a good fit for your home needs. Their rates are the most affordable on the market for my particular needs with nice options.
State Farm
i wouldn't recommend them unless they rates where low. sometimes that happens and it always good to check your options in these cases.
Homesite Insurance
Homesite offers realistic policies based off of your personal needs. I have noticed that they are cheaper then other that I have looked into and do not raise rates in the three years.
Marion Mutual
In my opinion, fast payout. Complete coverage. The chatting with a representative on the phone is a long process. I do like that they are quick with the inspection.
I like the ease of access mainly. I feel the ease of access is most important. I am overall happy
The Hartford
I like that the company gives good writes, havent really used it beyond that. But they seem helpful over the phone. Seems like a good company!