How Can I Make My Boston, MA Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Boston, MA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your Boston, MA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $102,000 $90,000 $75,000-$100,000
2 Bedroom $220,000 $190,000 $175,000-$200,000
3 Bedroom $223,000 $190,000 $200,000-$250,000
4 Bedroom $527,500 $440,000 $600,000-$700,000
5 Bedroom $607,500 $570,000 $600,000-$700,000

Estimate your Savings with Home Insurance Discounts in Boston, MA | Back to Top

This table lists savings for a median home value of $374,700 and an average premium of $1,401

Discount Type Premium After Discount
Multipolicy Discounts $1,275
Superior Protection Discount $1,247
Fire & Security Discounts $1,289

Choose your Boston, MA Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,975
Physical Damage $2,488
Hail Damage $4,524
Wind Damage $6,496
Expensive Claims
Fire $42,889
Smoke $17,054

Identify Top Home Insurance Agents near Boston, MA | Back to Top

Home Insurance Company Boston, MA Homeowners Insurance Agency Boston, MA Address Popularity Score Distance from Boston (miles)
Travelers Ralph J Galante Insurance Agency Inc 1939 Massachusetts Avenue, Cambridge, MA, 2140
6.5
Travelers Michals Insurance Agency Inc 85 Main St Ste 101, Watertown, MA, 2472
8.8
Travelers Linnane Insurance Agency 280 Main St Ste 101, North Reading, MA, 1864
18.7
Allstate Carlos Cubia 345 Boylston St Ste 301, Newton, MA, 2459
8.3
Travelers Messinger Ins Agency Inc 475 Broadway, Everett, MA, 2149
5.5
Travelers Gb Kerkorian Partners Insurance Services Llc 75 Federal St 20th Fl, Boston, MA, 2110
2.5
Travelers Metro Boston Insurance Agency Inc 345 Central St, Saugus, MA, 1906
9.0
Travelers Hackwell Boone Insurance Agency Inc 19 Belmont Street , South Easton, MA, 2375
19.7
Travelers Braintree Insurance Agency 639 Granite St Suite 300a, Braintree, MA, 2184
8.5
Travelers Charles A Powers & Sons 123 South St, Boston, MA, 2111
2.3

Compare Rates for Boston, MA Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Massachusetts $335,500 $1,210 $820 $1,670 $850
Suffolk County, MA $362,600 $1,740 $1,200 $2,490 $1,290
Boston, MA $374,700 $1,720 $1,240 $2,370 $1,130
Littleton Common, MA $343,300 $1,030 $730 $1,430 $700
Hudson, MA $309,300 $1,180 $800 $1,660 $860
Georgetown, MA $405,200 $1,820 $1,310 $2,580 $1,270
Westborough, MA $412,200 $1,850 $1,330 $2,530 $1,200
Danville, NH $271,100 $1,170 $940 $1,450 $510
Litchfield, NH $292,100 $1,260 $1,010 $1,560 $550
Pocasset, MA $365,400 $1,390 $950 $1,970 $1,020
Thompson, CT $217,700 $1,280 $880 $1,780 $900
Greenville, NH $158,400 $820 $660 $1,020 $360

Research Home Insurance Companies Reviews in Boston, MA Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: October 03, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
the premium that I pay for the amount of coverage I have I feel is extremely reasonable. I had called other places and they have told me that there is no way they can beat it or even match it.

Date: September 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Any damages to the property itself as well as the neighboring properties. Coverage of any personal belongings lost due to an accident or burglary as well as car break-in.


Date: September 11, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I love that if I have a claim I can process it through the mobile, I also like that if I have to change anything I can do so.

Date: July 29, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I like the fact, that if there is a flood it is cover for all the cost of repairs and all of my belongings as. I like that my policy covers the garage in case the husband forgets to put the door up and hits it. All so, like that if a tree falls because of a lighting strike and hits the fence it covered


Date: July 27, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
The insurance agent's employees contact me by email, phone, and regular mail every year. I like being approached with a quote rather than an invitation to give them a call, and I prefer the approach to be via email rather than phone call. I dislike being contacted through regular mail.

Date: July 24, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
Other insurance companies have a more expensive premium in my area. The insurance recommended by the apartment complex itself is more expensive than State Farm. Unfortunately, the rate has been going up as crime has risen in the area and more apartment complexes are developed.

Date: June 07, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I like that they listen to me and truly are making sure that I have the coverage that I need

Date: March 11, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Website/App
The website is hard to navigate and unclear with insurance terminology. The website requires some expertise in the area of insurance prior to use if visited for the purpose of purchasing a new policy. Requires a log-in password and username that I can never remember either, as well as the policy number for online access which I don't always have handy.

Date: January 15, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
I have a friendly relationship with my insurance agent. The people in his office are very helpful and eager to answer my questions. They approach me each year with the quote insurance and remember me by first name and client history, which is nice.

Date: November 28, 2017    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
every time I have needed anything my local agent is right there to help me out, even coming to home one time to go over policy

Allstate Home Insurance Reviews

Date: April 02, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
I had an incident where my fence was broken down by an accident (driver's fault), I contacted AllState and they were very cooperative about it.

Date: February 10, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
When we did a search on other insurance companies we found that Allstate was right in line with the other rates and since we are happy with them so far even if we did see some that has any noted savings...We would still stay with Allstate.

Date: October 28, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Policy Offerings
The cover my home if there were to be an accident or hazard that were to have taken place.


Date: October 05, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
Although it is not the most expensive, I think I can do better. I choose Allstate because at the time, they had my car insurance. They no longer have my car insurance, so soon, they will not have my homeowners policy either.

Date: September 05, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I don't use the mobile app if there is one. The website is useless. I need to speak to a person to conduct business. I am not a millenial.

Date: August 06, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
Not really sure anymore, I will be changing policy owners. Tried to get my roof fixed and was told it was not covered. After a hurricane, I found out that most things that will actually happen to the house are not covered.


Date: August 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
When I speak with someone on the phone, they are always nice. However, those who work outside of the phone lines are indifferent. I have not spoken with my actual agent in well over a decade. The more I type and think about Allstate, the more determined I am to cancel the policy.

Date: November 18, 2017    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
After filing a claim, the adjuster did not have the common courtesy or business acumen to contact me directly. Instead, he spoke to my teen aged son. That was the final straw. I will be cancelling the policy.

AAA Home Insurance Reviews

Date: November 20, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
I haven't compared prices in over 14 yers so I'm not aware of whether other company's prices are higher or lower. I know that AAA is a non-profit organization which gives me the confidence that their prices, for what we are getting, are at least on-par with other companies, if not lower.

Date: September 29, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Policy Offerings
Any loss of use when there is an emergency, including fires and floods, that damages anything in my house, such as doors and pantry


Date: September 07, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Premium
I have not checked out other companies yet - but given the amount I paid, I hope to receive more.

Date: August 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
working with them has been great - they are responsive via email and the representative is great.

Date: June 06, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I wish it is more interactive and provide live support - sometimes I just want pressing questions.

Date: May 03, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
again, our rep is great. she is responsive as well as caring. we have been with her for a while.

Marion Mutual Home Insurance Reviews

Date: September 23, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I've not interacted with them very often as I have only owned the house for 3 years and have never made a claim.

Date: September 22, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I've never spoken to the customer service, I have only spoken to my agent by phone. I've never been to their offices or called anyone other than him directly.

Date: August 31, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Website/App
I've never even visited my companies web site. I am not sure that they even have one. I contact my agent by phone when I need him and the mortgage company pays the premium.

Date: August 03, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
I am covered for most issues that would occur although I did purchase additional flood insurance because my homeowners would not cover floods.


Date: May 08, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
The premium is affordable compared to other companies though I am sure in this case, you get what you pay for. I hope to never find out.

Ameriprise Home Insurance Reviews

Date: September 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
do not use it much, but it is efficient and allows you to look up information rapidly

Date: September 04, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
It covers the dwelling, contents, additional structures, and temporary living cost. It also covers accidental injuries.


Date: August 20, 2018    Age: Above 60    Gender: Male    Marital Status: Unmarried

Customer Service
they are great. they respond to emails and phone calls withing 24 hours

Date: August 04, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
They are a lot cheaper. This is an added perk of being a Costco member

Date: May 25, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
have never had an issue. they have been very responsive and have always taken care of everything. it would be nice if they had a local office, though. everything must be done via phone or internet.

Electric Insurance Home Insurance Reviews

Date: October 02, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
Everything is covered in the home. We have theft coverage as well.


Date: May 10, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
It's not very mobile friendly or well advertised. It may be because it is a small company.

Date: November 19, 2017    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
It was the cheapest bundle we could find. It will go down with a new roof.

Nationwide Home Insurance Reviews

Date: December 27, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
I am not happy with the insurance company deductible policy offerings compared to other insurance providers in that same insurance group. This is because the policy coverage is limited.

GEICO Home Insurance Reviews

Date: July 26, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
The premium for Grange is very low compared to some other insurance premiums I've paid in the past. I think they are much lower than the national average which is appealing to me.

Safety Insurance Home Insurance Reviews

Date: April 14, 2019    Age: Above 60    Gender: Male    Marital Status: Unmarried

Premium
The premium has fluctuated over the years due to the amount of hurricane damage received in the state. In recent years, it has remained the same of even gone lower than expected.

Olympus Insurance Home Insurance Reviews

Date: December 03, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
The premium has been given in the dedication manner by comparing to the other home insurance policy to save the coverage.

Progressive Home Insurance Reviews

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