How to Find the Best Home Insurance in Massachusetts

Buying a home is a major investment, and a good home insurance policy can help you to protect that investment. Knowing what to look for in a good policy can get tricky, especially if you don’t have much experience shopping for insurance. We’ve outlined some essential details to help you find the best home insurance in Massachusetts for your needs.

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The Average Cost of Home Insurance in Massachusetts

The average cost of home insurance in Massachusetts is $1,199 per year. That includes $250,000 in dwelling coverage, and is cheaper than the national average home insurance premium of $1,428 per year.

The premium that you’ll pay for home insurance in Massachusetts partially depends on your city. Variables like different population densities, home values, and crime rates can impact your home insurance rates.

Massachusetts City	Average Cost of Home Insurance Per Year
Lunenburg	$1,083
Uxbridge	$1,083
Seekonk	$1,375
Hanson	$1,378
East Bridgewater	$1,383

Home insurance prices vary significantly based not only on your location but also on the value of your home. Getting a personalized quote will give you the most accurate idea of what you will need to pay for your coverage. You can get free home insurance quotes in Massachusetts from ConsumerCoverage to start comparing your options.

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Coverage Options for Home Insurance in Massachusetts

As you shop for home insurance in Massachusetts, it’s helpful to understand just what each policy includes. You can expect a typical home insurance policy to include these coverage types:
Dwelling coverage helps to cover expenses that are related to your home’s structure, like damage that occurs to the roof, walls, and porch.
Other structures coverage helps to protect detached structures on the property, like a shed or barn.
Personal property coverage helps to pay for the cost of personal belongings in your home, like furniture or electronics.
Personal liability coverage covers expenses that result if a person is injured, or their property is damaged, while on your property.
Medical payments coverage helps to cover the cost of medical bills that others face as the result of an accident that happened on your property.
Loss of use coverage pays for expenses, like the cost of a rental property, that you might face if your home is damaged and uninhabitable while being repaired.

These standard coverages are a good starting point, but you might want to add on optional coverages to more completely protect your home:

Flood insurance: Most standard insurance policies exclude coverage for damage that’s caused by floods. Massachusetts is impacted by many hurricanes, so floods are a possibility. Plus, if you live on the coast or near a body of water, your mortgage lender might require you to invest in flood insurance.
Valuable items coverage: Personal property coverage generally has a limit that won’t be enough to replace some of your more expensive items, like jewelry. If you want to protect your more expensive items, purchasing a valuable items policy increases your coverage limits.

How to Save Home Insurance in Massachusetts

You can save on home insurance in Massachusetts in several ways. Start by looking for discounts that each insurance company offers, like discounts for having multiple insurance policies through the same company. Choosing a high deductible can lower your monthly premiums, but make sure that you’re prepared to pay that higher deductible in case you ever have to file a claim.

Shopping around and comparing home insurance quotes can help you to save money and find the best coverage at the best price. You can request a free homeowners insurance quote from ConsumerCoverage to start comparing your home insurance options.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.