Lemonade
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Allstate
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State Farm
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USAA
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Amica
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Arbella
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Travelers
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There are two ways to get homeowners insurance in Boston: You can work directly with an insurance company or you can shop through a marketplace that will help you compare quotes from multiple companies. Before shopping for homeowners insurance, it’s important to know what type of coverage you want.
In Boston, there are several homeowners insurance coverage types to consider. These include:
Boston homeowners insurance will typically cover six parts. These are dwelling, other structures, personal property, loss of use, personal liability and medical payments.
These are standard coverage options, but all homeowners policies are subject to limitations and exclusions. It is important to discuss coverage details of your specific policy with your agent.
Standard homeowners insurance policies will not cover:
Some Boston insurance companies may offer add-on coverage for some exclusions, to help boost coverage.
The average cost for Massachusetts home insurance is around $1,382 per year, which is $115 per month. However, your insurance premium cost will vary based on your home’s location, age, coverage type and home security or additional safety features that qualify for discounts. With the premium cost, it’s important to consider types of insurance coverage affecting overall price. This includes:
Lemonade |
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Lemonade offers homeowners insurance policies that can be paid through major mortgage lenders or directly by credit card. Coverage includes dwelling, repairs, unlivable home expenses, stolen property, liability suits and injured visitors. Pricing starts at $25 per month, but varies based on location and factors like age, rebuild cost and any add-on coverages. Claims are filed through the mobile app, and discounts are offered for bundling with other Lemonade plans. Homeowners' policies can be canceled at any time. |
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Allstate |
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Allstate offers homeowners insurance with dwelling, personal property, family liability and guest medical protection. Multiple discounts are available for new roofs, bundling home and auto, early renewal, protective devices like home security systems, claim-free and more. Add-on coverage is available for water backup, scheduled personal property like jewelry, business property and sports equipment. Go to Allstate’s website to find a local agent in Boston. |
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State Farm |
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State Farm offers dwelling, liability and personal-property insurance coverage. Add-on coverage is available for flooding and earthquakes. Free quotes are available online, and claims are filed by phone or through the mobile app. Discounts are available for bundling, home security, roofing and higher deductibles. |
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USAA |
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USAA homeowners insurance covers dwelling and other structures, liability, personal belongings and loss of use. Add-on coverage is available for earthquakes and home sharing. USAA offers replacement cost at a standard, non-depreciated rate. Claims are filed and tracked online, and USAA helps connect you with a contractor network for repairs. Military members have added benefits, like uniform coverage with no deductible while on active duty. |
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Amica |
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Amica has two home-insurance policies; Platinum Choice Home and Standard Choice Home. Standard Choice Home covers dwellings and structures, personal property, temporary housing cost and liability coverage. Platinum Choice Home offers the same coverage with added benefits like additional coverage that exceeds policy limit, extended coverage for things like jewelry and furs and increased liability coverage. Discounts are offered for bundling with other Amica insurance policies, and claims are filed online. |
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Arbella |
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Arbella home coverage includes fire, weather damage, theft and liability coverage. Add-on coverage can be purchased for home systems, service lines and home cyber protection. Discounts are available for new customers, renewals, new home credit, Mass Save®, residence safety and MAHA workshop savings. Claims can be filed 24/7. |
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Travelers |
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Travelers home insurance policies cover dwelling, other structures, personal property, personal liability and loss of use. Add-on coverage can be purchased for special personal property, contents replacement, jewelry, water backups, sump pump overflow and identity fraud. Premium discounts are available for bundling multiple Travelers policies, home-buyer discounts, loss-free, protective devices and green initiatives. Call Travelers or visit its website to obtain a quote. |
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