Massachusetts homeowners insurance cost
Northeast region · NAIC 2022 HO-3 average · rank #8 of 51
The average annual homeowners insurance premium in Massachusetts is about $1,871 for the standard HO-3 policy form (NAIC 2022 data, the latest available) — about 19% above the national average of $1,569. Massachusetts ranks #8 of 51 states and DC (1 = most expensive), making it high on home-insurance cost, above the national average. The main local cost drivers are coastal hurricane/nor'easter exposure, high home values, winter storms. This is a countrywide average, not a quote for your home.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
Massachusetts home insurance at a glance
| Figure | Massachusetts |
|---|---|
| Average annual HO-3 premium | $1,871 |
| National average (HO-3) | $1,569 |
| vs national average | 19% (about 19% above the national average) |
| State rank (1 = most expensive of 51) | #8 |
| Cost band | High (above the national average) |
| Region | Northeast |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What drives home insurance cost in Massachusetts
A homeowners premium mostly reflects how likely and how expensive a claim is. In Massachusetts, the main factors behind the $1,871 average are:
- coastal hurricane/nor'easter exposure
- high home values
- winter storms
On top of these location factors, your own premium swings with your home's rebuilding cost (Coverage A), roof age and material, deductible, claims history and, in most states, your insurance credit score. See our premium drivers guide for how each one moves the price.
Estimated Massachusetts premium by dwelling coverage
A rough idea of how the Massachusetts average scales with the amount of dwelling (Coverage A) you carry. These are illustrative estimates from the state average scaled by a coverage factor — not quotes.
| Dwelling coverage (Coverage A) | Estimated annual premium |
|---|---|
| $200,000 to $299,999 | $1,871 |
| $300,000 to $399,999 | $2,395 |
| $400,000 to $499,999 | $2,919 |
| $500,000 and over | $3,742 |
Source: Estimated from the NAIC 2022 Massachusetts average and a coverage-scaling factor. Data as of June 2026.
For a tailored figure use the premium estimator. The scaling factors are an approximation documented on the methodology page, not published NAIC band data.
How Massachusetts compares with similar states
| State | Avg HO-3 / yr | vs national |
|---|---|---|
| Massachusetts (this state) | $1,871 | 19% |
| Nebraska | $1,869 | 19% |
| Mississippi | $1,907 | 22% |
| Connecticut | $1,814 | 16% |
| Minnesota | $1,774 | 13% |
| South Dakota | $1,756 | 12% |
Frequently asked questions
How much is homeowners insurance in Massachusetts?
The average annual homeowners (HO-3) premium in Massachusetts is about $1,871, about 19% above the national average of $1,569 (NAIC 2022 data, the latest available). It ranks #8 of 51 states and DC, where 1 is the most expensive. This is a countrywide average, not a quote for your home.
Why is home insurance expensive in Massachusetts?
Massachusetts's premiums are shaped mainly by coastal hurricane/nor'easter exposure, high home values, winter storms. Catastrophe exposure (wind, hail, wildfire), rebuilding costs and claims history are the biggest levers on a homeowners premium. Massachusetts is high versus the national average, above the national average.
Is Massachusetts home insurance going up?
Yes, like most of the country. NAIC's latest report shows the national HO-3 average rose about 11.26% in 2022 year-over-year, driven by reconstruction-cost inflation and rising catastrophe losses. 2022 is the latest published data year, so current Massachusetts premiums are likely higher than the figure shown. Verify with insurers.
Is the $1,871 figure a quote?
No. $1,871 is the NAIC 2022 countrywide average HO-3 premium for Massachusetts - an average across all homes and insurers, not a quote for your property. Your actual premium depends on your home's value, age, construction, roof, deductible, claims history, credit and insurer. Always get real quotes.
Keep exploring
YMYL note. The $1,871 figure is the NAIC 2022 countrywide average for Massachusetts - general information, not a quote. Homeowners insurance protects one of your largest assets; actual premiums vary widely by home and insurer. Always get real quotes from licensed insurers and verify coverage with your state insurance department.
Last updated: 2026-06-20