If you’re a homeowner in Massachusetts, having the right home insurance policy is more than a legal safety net — it’s peace of mind. With unpredictable New England weather and high property values in cities like Boston, Worcester, and Cambridge, choosing a reliable home insurance provider is essential.
To save you the hassle, I’ve compared dozens of insurers and narrowed down the 10 best home insurance companies in Massachusetts for 2025. These picks are based on customer reviews, affordability, coverage options, claims experience, and financial strength.
1. Amica Mutual – Best Overall for Massachusetts Homeowners
Based in Rhode Island, Amica has long been a favorite among New England homeowners — and for good reason. Their customer satisfaction is consistently top-tier, and they offer extensive, customizable coverage.
Highlights:
Excellent customer service – Amica consistently ranks highest in J.D. Power’s home insurance satisfaction surveys.
Dividend policy option – Receive back up to 20% of your annual premium.
Optional coverages – Identity fraud, water backup, valuable items, and more.
Highly customizable policies
Fast, fair claims handling
Strong regional presence
Slightly higher premiums if you don’t choose dividend policy
Average Annual Premium in MA: $1,150 – $1,450
Best for: Homeowners who value excellent customer support and policy flexibility.
2. Safety Insurance – Best Local Insurer for Personalized Service
Headquartered in Boston, Safety Insurance is a Massachusetts-focused company, meaning they understand the unique risks in the state — from nor’easters to old New England homes.
Highlights:
Local expertise – Coverage options designed for MA-specific risks.
Bundling discounts – Save big when you bundle home and auto.
Agent network – Strong support from independent local agents.
Competitive rates
Great reputation for handling claims quickly
Trusted by many local realtors and brokers
Must go through an agent to get a quote (no online quotes)
Average Annual Premium in MA: $950 – $1,250
Best for: Massachusetts homeowners looking for a local, relationship-driven insurer.
3. USAA – Best for Military Families
If you’re a veteran, active-duty military member, or part of a military family, USAA is hands-down one of the best options for home insurance in Massachusetts.
Highlights:
Top-tier coverage – Includes features like replacement cost coverage and earthquake protection.
Exceptional service – Consistently rated 5 stars for claims satisfaction.
Member-only benefits – Like discounts on home security systems.
Comprehensive coverage options
Affordable premiums for military families
Excellent digital tools and mobile app
Only available to military members and families
Average Annual Premium in MA: $1,000 – $1,200
Best for: Military families andveterans living in Massachusetts
- Website: USAA Homeowners Insurance
4. Allstate – Best for Bundling and Smart Home Discounts
Allstate offers solid home insurance policies with plenty of opportunities to save. Their smart home discounts are especially appealing to tech-savvy homeowners.
Highlights:
Claim RateGuard® – Keeps your premium from increasing after your first claim.
Deductible Rewards® – Get money off your deductible just for staying claim-free.
Smart home integration – Save more if you use devices like Ring or Nest.
Lots of discount options
Extensive agent network across MA
Helpful mobile tools for policy management
Rates can vary significantly by location
Average Annual Premium in MA: $1,200 – $1,500
Best for: Homeowners looking to save through bundling and smart home tech.
5. Liberty Mutual – Best for New Homeowners
Founded in Boston, Liberty Mutual offers strong home insurance coverage for Massachusetts residents, especially for first-time buyers who want intuitive digital tools and straightforward coverage.
Highlights:
Newly purchased home discount – Save more if you recently bought your house.
24/7 claims support – File and track claims anytime.
Home Protector Plus® – Helps cover unexpected inflation in repair costs.
Good discounts for new homes and renovations
Easy-to-use online quote system
Strong local history
Mixed reviews for claims process during peak storm season
Average Annual Premium in MA: $1,100 – $1,400
Best for: First-time buyers and digital-first homeowners.
- Website: Liberty Mutual Massachusetts Homeowners Insurance
6. The Hanover Insurance Group – Best for High-Value Homes
Founded in Worcester, MA, The Hanover has deep roots in the state and is ideal for homeowners with custom, luxury, or high-value properties. They offer premium coverage packages that can be tailored to upscale residences.
Highlights:
Prestige® Coverage – Designed specifically for high-net-worth homeowners
Guaranteed replacement cost – Covers full rebuild costs, no matter the limit
Risk consulting – Personalized assessment for better protection
High-end policy features
Exceptional coverage limits
Great for vacation or second homes in Cape Cod or the Berkshires
May be too expensive for average homes
Average Annual Premium in MA: $1,800 – $3,500
Best for: Owners of high-value or luxury homes seeking specialized protection.
- Website: The Hanover Insurance Group Home Insurance
7. Arbella Insurance – Best for MA-Based Customer Service
Arbella is another Massachusetts-based insurer, known for excellent local service and fast claims handling. They focus on community-based policies and offer tailored coverage options that reflect the local housing market.
Highlights:
Storm-preparedness tips and tools
Loyalty and multi-policy discounts
Strong partnerships with local agents
Competitive rates with local expertise
Strong reputation among homeowners in the Boston area
No out-of-state call centers — everything is local
Limited availability outside New England
Average Annual Premium in MA: $950 – $1,300
Best for: Homeowners who value strong local customer service and regional expertise.
- Website: Arbella Home Insurance
8. State Farm – Best for Nationwide Stability
State Farm is one of the largest and most financially stable insurers in the U.S. and brings that national strength to Massachusetts. They’re especially ideal for homeowners who prefer digital access with the option of agent support.
Highlights:
Strong financial strength rating (A++ from AM Best)
Bundle and save with auto, life, or umbrella policies
Easy-to-use mobile app and online claims filing
Wide availability across Massachusetts
Consistent, reliable service
Lots of discounts and customizations
Fewer optional add-ons than some competitors
Average Annual Premium in MA: $1,100 – $1,400
Best for: Homeowners looking for a big-name insurer with reliable service.
- Website: State Farm Homeowners Insurance
9. Travelers – Best for Flexible Policy Options
Travelers offers flexible and highly customizable home insurance — ideal if you want to tailor every part of your coverage. Whether you live in a single-family home, condo, or multi-unit property, Travelers offers something that fits.
Highlights:
Optional Green Home coverage
Coverage for older homes and custom upgrades
Multi-policy and protective device discounts
Strong digital tools for managing your policy
Great for older homes (which are common in MA)
Excellent discount options
Customer service experience can vary by region
Average Annual Premium in MA: $1,100 – $1,350
Best for: Homeowners who want to personalize their coverage in detail.
- Website: Travelers Homeowners Insurance
10. Chubb – Best for Comprehensive and Premium Protection
Chubb is a top-tier choice for wealthier homeowners or those with valuable assets, antiques, or collectibles. They provide white-glove service and proactive risk management.
Highlights:
Extended replacement cost coverage
Complimentary home appraisals
Cyber and identity protection included
Tailored policies for high-value homes and items
High policy limits
Outstanding customer service
Higher premiums, geared toward affluent homeowners
Average Annual Premium in MA: $2,200 – $4,000+
Best for: Homeowners with upscale properties, valuables, or high-net-worth needs.
- Website: Chubb Homeowners Insurance
🧾 Quick Comparison Table (Top 10 Home Insurance Companies in Massachusetts – 2025)
| Insurance Company | Best For | Avg. Annual Premium | Local Presence | Bundling Available | Financial Strength |
|---|---|---|---|---|---|
| Amica Mutual | Best Overall | $1,150 – $1,450 | ✅ Yes | ✅ Yes | A+ |
| Safety Insurance | Personalized Local Service | $950 – $1,250 | ✅ Strong | ✅ Yes | A |
| USAA | Military Families | $1,000 – $1,200 | ✅ Nationwide | ✅ Yes | A++ |
| Allstate | Bundling & Smart Tech Discounts | $1,200 – $1,500 | ✅ Wide | ✅ Yes | A+ |
| Liberty Mutual | First-Time Buyers | $1,100 – $1,400 | ✅ Boston HQ | ✅ Yes | A |
| Hanover | High-Value Homes | $1,800 – $3,500 | ✅ Local HQ | ✅ Yes | A |
| Arbella | MA-Based Service | $950 – $1,300 | ✅ MA Only | ✅ Yes | A- |
| State Farm | Nationwide Stability | $1,100 – $1,400 | ✅ Nationwide | ✅ Yes | A++ |
| Travelers | Policy Flexibility | $1,100 – $1,350 | ✅ Moderate | ✅ Yes | A+ |
| Chubb | Luxury & Premium Coverage | $2,200 – $4,000+ | ✅ Selective | ✅ Yes | A++ |
🏡 Final Advice for Massachusetts Homeowners
Whether you’re in a coastal town like Plymouth, a college city like Cambridge, or a rural area in the Berkshires, your insurance needs can vary greatly. Consider the following before choosing:
Do you need flood or hurricane protection?
Is your home historic or newly built?
Do you want to manage your policy online or with an agent?
Are you eligible for discounts by bundling or installing smart devices?
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I am Sabiq Rasel is an Entrepreneur and broadcaster. I believe that every sip of coffee holds the potential for a moment of inspiration, creativity, and every cup tells a story.
