Massachusetts home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Replacement cost calculator

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

Deductible comparison

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Renewal increase check

Did your renewal go up more than premiums did across your state — and what to do about it.

Full coverage check

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Massachusetts at a glance

Average premium: $1,846/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible — separate, and much larger: $6,000(2% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
Insurer of last resort: Massachusetts Property Insurance Underwriting Association (Massachusetts FAIR Plan); The Massachusetts FAIR Plan, and the reason coastal advice in this state has to be different from anywhere else. MPIUA is a residual market association in which every company writing basic property insurance in the Commonwealth is required to participate, with losses shared among members in proportion to premium volume. It writes Homeowners, Dwelling Fire and Commercial Property under programs approved by the Division of Insurance, with dwelling coverage available up to $1,000,000 at an insured location and mandatory excess requirements above that. Anyone with an insurable interest in eligible Massachusetts property may apply, but only after being unable to secure coverage in the voluntary market. What makes it unusual: in 2023 the FAIR Plan wrote 8.3% of Massachusetts home insurance written premium statewide but 33.0% in Barnstable, Dukes and Nantucket counties combined - a third of the Cape and Islands market. That concentration is down from 46.6% in those counties in 2010, so the residual market there has shrunk over the long run even as it remains dominant. The practical consequence is that on the Cape and the Islands the FAIR Plan is frequently the cheapest policy a homeowner can actually buy rather than the most expensive, which inverts the usual 'shop the voluntary market first' advice.

Last updated 2026-08-28. How we source every figure