Boston Insurance Rates:

Boston, MA homeowners insurance is nearly $905 to $1,225, about $75-$102/month. Our extensive analysis shows customers can save as much as $426 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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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
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!

Boston, MA Homeowners Insurance By Home Value

Boston, MA Home Value Total Homes % of Total Average Boston, MA Homeowners Insurance
Less than $50,000 1,034 2.0% $63
$100,000 to $124,999 841 1.0% $308
$125,000 to $149,999 911 1.0% $383
$150,000 to $174,999 1,538 3.0% $457
$175,000 to $199,999 1,807 3.0% $532
$200,000 to $249,999 8,231 17.0% $639
$250,000 to $299,999 10,224 21.0% $777
$300,000 to $399,999 22,913 47.0% $990

Top Home Insurance Agents Near Boston, MA

Home Insurance Company Near Boston, MA Homeowners Insurance Agency Near Boston, MA Address
NA The Corporate Benefits Group Llc 100 Conifer Hill Dr Ste 103, Danvers, MA, 1923
NA Insurancebee Inc. 2 Clock Tower Place Ste. 425, Maynard, MA, 1754
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

Boston, MA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Boston, MA

Streets in Boston Area Homeowners Insurance Cost
Hartley Ter, Stanhope St, Reservoir Ct, Pitsmoor Rd, Douglas St, Laconia St, Eliot Pl, Winship St, Laurel Ave, Howard Ave$993
Orchardhill Rd, Enneking Pkwy, Baker St, Rodman St, Wadsworth St, Child St, Landseer St, Wilkinson Park, M Street Pl, Fulda St$1,043
Hartford St, Legion Pl, Montfern Ave, Richwood St, Holmfield Ave, Lafield St, Reddy Ave, Lawley St, Harmon St, Hanover St$1,099
Stockton St, Locust St, Lindall Pl, Port Norfolk St, Hautevale St, Merriam St, Edgewood St, Fawndale Rd, Holbrook St, Lattimore Ct$1,053
W Thompson St, Sewall St, Gem Ave, 9th St, Castleton St, Rocky Nook Ter, Martinwood Rd, Elmira St, Frazer St, Strathmore Rd$1,049
Cedar Grove St, Hospital Rd, Rutland St, St James Ave, Seaport Ln, Milton Ter, W 6th St, Newmarket Sq, Emery Rd, Millet St$1,051
Norton St, Chelmsford St, Radcliffe Rd, Centre Street Ter, Edith St, Wellsmere Park, Quaker Ln, Morrill St, Sinclair Rd, Thompson St$1,051
Mansur St, Monument Ct, Camp Rd, O St, Cary St, Erie St, St Marys St, Chicamauga Park, Gaffney St, Goldsmith St$1,049
Eldon St, Iroquois St, Farragut Rd, Ditmus Ct, Dorset St, Fernwood Rd, Delano Park, Schirmer Rd, Necco St, Jackson St$1,133
Nixon St, Wilton St, Coolidge Rd, Bothwell Rd, Bowditch Rd, Walker St, Dunbar Ave, Cricket Ln, Dunning Way, Lawrence Ave$1,100

Boston, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Boston$159 to $161
Suffolk County$159
Winthrop Town$158

Boston, MA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Suffolk County, Massachusetts $159 $212 $318
Winthrop Town city, Massachusetts $158 $211 $317
Chelsea city, Massachusetts $155 $206 $309

Boston, MA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Boston, MA3.8%12.3%
Suffolk County3.85%12.1%
Winthrop Town3.95%10.23%

Boston Renters Insurance as a Percentage of Rent

Boston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 5,124 3.0% $344
$200 to $299 12,893 8.0% $794
$300 to $499 11,686 7.0% $1244
$500 to $749 10,612 6.0% $1919
$750 to $999 14,985 9.0% $2669
$1,000 to $1,499 48,473 30.0% $3794
$1,500 or more 56,310 35.0% $5444

Boston, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Boston Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $14,100$13,300
Net Savings to Boston Home Owner from High Deductible Plan $800

Boston, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Boston, MA Home Replacement Value MORE than Home Value Boston, MA Home Replacement Value LESS than Home Value
Replacement Value $374,500 $266,500
Insurance Premium based on Replacement Value $3,600 $2,550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,000 Risk Exposure from Under Insuring Coverage is $57,000
Premium Impact Insurance cheaper by $550/year Insurance costlier by $500/year

Example Boston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualChubb Group of Insurance
Monthly Premium 88177270
Year Built 194819481945
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$250000-$300000$400000-$500000
Deductible $500 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Boston, MA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1941 595,000 Composition Roof 2,920 4 $1000-$2500 Deductible 2870 9 Fiber-Cement Siding No
1947 375,000 Metal Roof 2,170 4 > $10,000 Deductible 1300 12 Stucco siding No
1948 380,000 Asphalt Shingles Roof 1,730 2 $1000-$2500 Deductible 990 5 Fiber-Cement Siding No
1942 315,000 Composition Roof 2,110 4 $5000 to $10,000 Deductible 470 3 Vinyl siding yes
1943 530,000 Metal Roof 2,420 4 $500 Deductible 1080 4 Stucco siding No
1945 280,000 Shingles Roof 1,720 2 > $10,000 Deductible 660 9 Wood siding No
1947 440,000 Wood Shake Roof 2,200 4 $1000-$2500 Deductible 440 2 Stone Siding yes
1947 370,000 Shingles Roof 1,820 4 $1000-$2500 Deductible 2920 12 Vinyl siding yes
1941 355,000 Tile Roof 1,700 2 $500 Deductible 3140 12 Stone Siding No
1949 395,000 Wood Shake Roof 2,360 3 $1000-$2500 Deductible 2090 10 Stone Siding No
1946 210,000 Slate Shingles Roof 1,340 3 $5000 to $10,000 Deductible 590 6 Fiber-Cement Siding yes
1943 370,000 Asphalt Shingles Roof 1,790 2 $5000 to $10,000 Deductible 190 1 Wood siding No
1949 255,000 Wood Shake Roof 1,390 2 > $10,000 Deductible 190 2 Fiber-Cement Siding No
1945 270,000 Metal Roof 1,230 3 $5000 to $10,000 Deductible 1180 12 Brick siding yes
1940 375,000 Metal Roof 1,810 4 $1000-$2500 Deductible 2540 12 Stucco siding No
1946 190,000 Membrane Roof 1,020 2 $500- $1000 Deductible 1350 8 Stone Siding No
1944 370,000 Wood Shake Roof 1,850 4 $500- $1000 Deductible 980 4 Brick siding yes
1944 435,000 Membrane Roof 2,530 4 $5000 to $10,000 Deductible 1450 8 Stone Siding No
1946 215,000 Asphalt Shingles Roof 960 2 > $10,000 Deductible 70 1 Vinyl siding No
1948 425,000 Composition Roof 2,240 3 $2500-$5000 Deductible 230 1 Stone Siding No
1947 260,000 Slate Shingles Roof 1,200 2 $1000-$2500 Deductible 1640 12 Brick siding No
1944 350,000 Asphalt Shingles Roof 1,920 3 $500 Deductible 560 3 Wood siding No
1943 240,000 Asphalt Shingles Roof 1,380 2 $1000-$2500 Deductible 1140 9 Fiber-Cement Siding No
1945 240,000 Shingles Roof 1,330 3 $5000 to $10,000 Deductible 330 4 Stucco siding yes
1942 265,000 Shingles Roof 1,200 2 $2500-$5000 Deductible 230 2 Vinyl siding No
1947 385,000 Membrane Roof 2,580 4 $5000 to $10,000 Deductible 140 1 Stone Siding No
1941 545,000 Wood Shake Roof 3,140 4 $500 Deductible 4650 10 Vinyl siding yes
1947 325,000 Wood Shake Roof 1,460 3 > $10,000 Deductible 220 2 Wood siding yes
1948 345,000 Membrane Roof 1,740 4 $500 Deductible 1330 5 Vinyl siding yes
1946 300,000 Asphalt Shingles Roof 1,760 3 $500- $1000 Deductible 1020 7 Vinyl siding No
1932 230,000 Asphalt Shingles Roof 900 2 $1000-$2500 Deductible 690 3 Wood siding yes

How To Make Your Boston, MA Home Insurance Cheaper

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