Massachusetts homeowners insurance

How you're covered

A typical policy in Massachusetts may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
• Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
• Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
• Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

If your policy covers windstorms, you might have a separate deductible for hurricane or wind damage. This deductible is often higher than your policy's standard deductible and could be a percentage of one or more of your coverage limits.

More ways to stay covered in Massachusetts

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Massachusetts residents may want to consider:

• Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as an optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Massachusetts?

Progressive homeowners policies in Massachusetts had an average monthly price of $117.24 or $1,406.93 annually in 2023.^* Your personal rate could be higher or lower depending on several factors, including home construction and roof age.

Learn more about what factors affect homeowners insurance costs.

Helping you save on homeowners insurance in Massachusetts

The best homeowners insurance in Massachusetts offers many ways to save money. Take advantage of discounts your homeowners insurance policy through Progressive. We offer discounts for bundling homeowners and auto policies, paying in advance, going paperless, and installing safety and alarm equipment.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or find a local agent in Massachusetts.

Is homeowners insurance required by law in Massachusetts?

Homeowners insurance in Massachusetts isn't required by law, but your mortgage lender may require you to have a homeowners insurance policy. Even if you've paid off your home, homeowners insurance can be valuable in protecting what is likely your most valuable asset.