Estimates, not quotes

Homeowners Insurance in Boston, MA

For a home at Boston's median value of $731,700, we estimate about $2,600 a year — +22% versus the Massachusetts NAIC average of $2,134.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Boston

Est. premium
$2,600
$217/mo · median home
Median home value
$731,700
Massachusetts: $562,100
Median year built
1947
Census ACS
Owner-occupied
35.7%
of households
Hazard score
73.1
state ref. 75.1

Boston's estimate reflects its home values (30% higher than the state median) and FEMA's hazard profile for Suffolk County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Boston

FEMA National Risk Index — Suffolk County
HazardRisk ratingScore (0–100)Insurance impact
Hail Relatively Moderate 76.9 Comprehensive (car); roof claims (home)
Tornado Relatively Moderate 75.4 Comprehensive; dwelling
Hurricane Relatively High 93.7 Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding Relatively High 94.7 Comprehensive; home needs a separate flood policy
Coastal flooding Relatively High 92.2 Comprehensive; home needs a separate flood policy
Strong wind Relatively Moderate 52.0 Comprehensive; dwelling
Winter weather Relatively Low 44.1 Collision (icy roads); frozen pipes (home)
Wildfire Very Low 9.0 Comprehensive; dwelling
Earthquake Relatively Moderate 95.0 Home needs a separate earthquake policy
Lightning Very High 97.8 Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Boston

Dwelling valueWood frameBrick / masonry
$200,000$920$850
$300,000$1,275$1,175
$500,000$1,920$1,765
$750,000$2,655$2,440

Home Insurance Estimator

Estimated annual premium
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Homeowners insurance by ZIP code in Boston

ZIPMedian home valueOwner-occupiedEst. premium
02124$650,70041.4%$2,370
02128$668,00029.0%$2,420
02135$681,20023.3%$2,460
02130$822,30044.5%$2,855
02136$578,40053.2%$2,155
02127$863,70045.3%$2,970
02125$657,10034.9%$2,390
02131$664,70059.3%$2,410
02115$945,10014.6%$3,195
02121$590,20023.2%$2,190
02118$1,058,20032.5%$3,495
02119$688,60026.5%$2,480
02126$542,70043.5%$2,050
02132$746,10070.1%$2,645
02215$750,0008.9%$2,655
02122$669,90044.8%$2,425
02116$1,562,50035.0%$4,775
02129$912,00050.5%$3,105
02134$657,30012.8%$2,390
02120$885,9009.2%$3,035
02114$924,40022.1%$3,140
02111$1,033,50026.2%$3,430
02210$1,190,90024.8%$3,845
02113$662,00015.6%$2,400
02108$1,667,60050.6%$5,030
02109$958,00031.7%$3,230
02110$1,177,50069.6%$3,810

Homeowners insurance in Massachusetts · Car insurance in Boston · Insurance offices near Boston

Frequently asked questions

How much is homeowners insurance in Boston?

For a home at Boston's median value of $731,700, we estimate about $2,600 a year for a standard HO-3 policy with a $1,000 deductible. The Massachusetts NAIC average is $2,134.

What are the biggest natural hazards in Boston?

FEMA's National Risk Index rates Suffolk County relatively high or very high for hurricane, inland (river) flooding, coastal flooding, and lightning.

Does the age of homes in Boston affect insurance?

Yes. The median home in Boston was built in 1947 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Massachusetts, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Suffolk County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page