Boston Home Insurance Costs (2026)

How much is homeowners insurance in Boston?

Homeowners insurance in Boston averages $173 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are Commerce Insurance, Andover Companies and Amica, and each one priced our sample home in all 8 Boston ZIP codes in our data, in Suffolk County. For this house, Boston is the most expensive of the 3 Massachusetts cities in our data with at least 5 ZIP codes, and above the Massachusetts average of $148 a month.

Our figures are for a $300,000 dwelling, which works out to about $6.92 a year for each $1,000 of dwelling coverage in Boston; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Boston average rose 1.9% since Nov. 2025, from $2,038 a year ($170 a month) on Nov. 30, 2025, to $2,077 ($173) on Sept. 30, 2026, as Amica’s rose 4.8% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Boston for our sample home (rates as of Sept. 30, 2026)

Commerce Insurance averaged $134 a month ($1,605 a year), Andover Companies $173 ($2,071) and Amica $213 ($2,555) for our sample home.

Same sample home: each insurer’s average yearly price in the same Boston ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 3 insurers in the table priced the same 8 Boston ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Boston address:

• Commerce Insurance charged $1,605 a year in every Boston ZIP code it priced.
• Andover Companies ran from $1,696 a year in 3 ZIP codes, including 02113 to $2,296 in 5 ZIP codes, including 02111.
• Amica ran from $2,185 a year in 6 ZIP codes, including 02111 to $3,666 in 2 ZIP codes, including 02118.

Who has the cheapest homeowners insurance in Boston?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Boston, ZIP code averages for this house ran from $152 to $210 a month, while insurers’ Boston averages ran from $134 to $213.

If prices stayed where they are today, the $950-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Boston would add up to $4,750 over five years for this house.

Same house, different city: how does Boston compare?

The same sample home costs $173 a month in Boston, $138 in Springfield and $139 in Worcester, the 3 Massachusetts cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Boston, other Massachusetts cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Boston has the highest average of these Massachusetts cities; Springfield, the lowest, averages $138 a month, 20.2% less for the same house.

Compared with Springfield, the Massachusetts city with the most ZIP codes in our data (8), the same house costs 25.3% more to insure in Boston.

Across the U.S., 84 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Boston, and 207 a higher one.

For the statewide picture, see home insurance costs in Massachusetts.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is $200 a month a lot for home insurance in Boston?

$200 a month is more than our sample home averages in Boston, $173 a month, the most expensive of the 3 Massachusetts cities in our data with at least 5 ZIP codes. 2 of the 3 insurers we compared averaged under $200 for the same house: Commerce Insurance ($134) and Andover Companies ($173). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.

What is the 80% rule in homeowners insurance?

A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

How do hurricane and wind deductibles work in Boston?

Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real policies near the coast may carry a larger hurricane deductible, so ask for yours.

Some Massachusetts policies carry a separate named-storm or wind deductible, usually 1% to 5% of the home’s insured value; at 5%, a $300,000 house pays the first $15,000, the Division of Insurance says.

Your wind and hail deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $2,077 a year that house averages in Boston.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

What if an insurer won’t renew your Boston home?

Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Massachusetts Division of Insurance at 877-563-4467.

If regular insurers turn you down, the Massachusetts Property Insurance Underwriting Association (the Massachusetts FAIR Plan) offers basic property coverage, including homeowners policies.

In our data, every insurer we compared priced our sample home in all 8 Boston ZIP codes.

How much is condo insurance in Boston?

Condo insurance for our sample condo averages $39 a month ($465 a year) in Boston. For our sample condo, prices among the 4 insurers we compared ranged from $25 to $59 a month, a $34-a-month gap for the same coverage.

Condo insurance averages by insurer in Boston for our sample condo (rates as of Sept. 30, 2026)

Commerce Insurance averaged $25 a month ($300 a year), Safety Group $26 ($308), Andover Companies $45 ($538) and Amica $59 ($713) for our sample condo.

We don’t name a lowest condo insurer in Boston (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $25 to $59 a month.

For condo insurance, Boston is the most expensive of the 3 Massachusetts cities in our data with at least 5 ZIP codes: its average is 37.9% above the Massachusetts condo average of $337 a year ($28 a month) and 3.4% below the average of the 50 states and D.C., $481 a year ($40 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 91 have a lower condo average for our sample condo than Boston, 200 a higher one.

For the same insurers and ZIP codes, the Boston condo average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $39 a month on both dates.

By ZIP code, the Boston condo average for our sample condo ran from $38 a month in 02111 to $40 in 02114. Of the 8 ZIP codes, 3 averaged more than the city’s $39 a month for our sample condo, 5 less.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Boston condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $39 a month in Boston.

What to check with your HOA before you buy condo insurance

• The master policy: ask the association or manager for its certificate of insurance and declarations page.
• Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
• The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
• Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).

Official resources for Boston homeowners

• City of Boston: coastal resilience planning The city’s flood plans for all 47 miles of its coastline.
• Massachusetts Sea Level Rise and Coastal Flooding Viewer The state’s planning map of future coastal flooding and FEMA flood zones.
• Massachusetts Division of Insurance Consumer help, complaints and licensed insurers. Consumer line: 877-563-4467.
• Massachusetts FAIR Plan (MPIUA) Basic coverage when regular insurers say no.
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.