Homeowners Insurance Massachusetts

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Getting the Right Home Insurance in Massachusetts

homeowners insurance massachusettsLiving in Massachusetts means you get to enjoy warm summers and colorful falls. But the Bay State can experience its share of extreme weather – from harsh winters with frigid temperatures and heavy snowfall to summer storms that bring hurricanes, hail or thunderstorms. Whether it’s frozen pipes or lightning damage, Massachusetts homeowners insurance protects your home from the unexpected.
 
According to 2024 rates, the average cost of home insurance in Massachusetts is $1,660 annually, or $138 monthly.2 While homeowners insurance is not required by Massachusetts state law, your lenders may require you to have it if you have a mortgage. Whether you’re in the historic neighborhoods of Boston or the scenic streets of Cape Cod, you can have peace of mind knowing your home is protected by the AARP® Home Insurance Program from The Hartford.1
 

What Does Homeowners Insurance in MA Cover?

Home insurance helps protect your home and personal property from various risks, such as:
 
  • Fire
  • Lightning
  • Theft
couple protected by homeowners insurance maIt helps cover your repair or replacement costs if your home or property gets damaged in a covered loss. Without home insurance coverage, you’d have to pay out of pocket to fix or replace your property.
 
Homeowners insurance coverage amounts and types can vary between insurance companies. With the AARP Home Insurance Program from The Hartford, you’ll get these insurance coverages:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.3
 

Extra Coverage for MA Homeowners Insurance Policies

Every homeowner is different, so you may need to customize your Massachusetts homeowners insurance policy. Fortunately, it’s easy to get more protection with the AARP Home Insurance Program from The Hartford. You can take advantage of additional coverages such as:
“New for Old” Protection, ‡‡ which helps replace your destroyed belongings with new ones of the same quality.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
Disappearing Property Deductible,‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.
Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
Valuable items blanket for additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.
Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
 
It’s important to know that flood insurance isn’t included in standard homeowners insurance policies. To get coverage, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***
 

How Much Does Homeowners Insurance in MA Cost?

According to 2024 average rates, the average cost of homeowners insurance in Massachusetts is $1,660 per year, or $138 per month.4
 
Your specific cost for home insurance in Massachusetts depends on several factors, such as:
 
  • Zip code
  • Building costs in your area
  • Size of your house
  • Likelihood of disasters
  • Policy details
Homeowners insurance companies look at these factors when determining your insurance premium. For example, if your home is near the coast, you may pay a higher rate because there’s a higher exposure to hurricanes.
 
 

Discounts on Homeowners Insurance in MA

There are several opportunities available to help you save on home insurance in Massachusetts with the AARP Home Insurance Program from The Hartford, including:
If you bundle your home and auto insurance with The Hartford, you can save over 800.**
The Hartford rewards you for making the investment to protect your home. So, if you install devices like burglar alarms, you can qualify for a home security discount.
If you install certain devices to help protect your home from fire damage, you can get a homeowners insurance discount. This includes fire sprinkler systems and monitored alarms.
 

Get a Quote for Homeowner Insurance in Massachusetts From The Hartford

couple getting a quote for home insurance massachusettsWhen you’re looking for Massachusetts homeowners insurance, you’ll want to work with an insurance company that’s experienced. At The Hartford, we’ve been protecting homeowners like you for over 200 years. We’re proud to consistently receive high ratings in customer service and satisfaction, providing expert help every step of the way.
 
To learn how you can start protecting your home in the Bay State, get a home insurance quote online through the AARP Home Insurance Program from The Hartford or call 877-422-2345.

Frequently Asked Questions About Homeowners Insurance in Massachusetts

According to 2024 average rates, the average cost of homeowners insurance in MA is $1,660 per year, or $138 monthly.5
No, you are not required to have Massachusetts home insurance by law. However, if you have a mortgage, your lender may require you to have it. Because homes in Massachusetts face different risks, from theft to winter storms to hurricanes, it’s important to have coverage.
Home insurance policies usually include the following standard coverages:
 
  • Dwelling coverage to help protect your home and the structures directly attached to it.
  • Personal property to help protect your belongings and appliances.
  • Personal Liability to protect you if someone is hurt on your property and you’re found legally responsible.
  • Other structures to help cover property not attached to your home, like a shed.
  • Medical payments to help cover medical costs for someone that was injured while on your property, regardless of fault.3
  • Loss of use to help pay for your living expenses if you can’t live in your home due to covered property damage.
 
 
Last Updated: October 17, 2024
 
2,4,5 Bankrate, “Home insurance rates by state for 2024.”
 
3 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
*** This is an optional coverage and may not be available in all states.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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