Home / Rates data / Massachusetts Save Renters and home insurance rates in Massachusetts The NAIC's published average premiums for Massachusetts by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
More Figures are published averages, never quotes; methodology at the foot of the page.
average renters premium (HO-4), per year $173
average homeowners premium (HO-3), per year $1,871
renter households 1,033,084 By county renter households, largest first
Middlesex County 242,075 Suffolk County 204,246 Worcester County 114,424 Essex County 112,326 Norfolk County 88,593 Bristol County 87,659 Hampden County 69,596 Plymouth County 44,980 Barnstable County 20,027 Hampshire County 19,281 Berkshire County 16,975 Franklin County 9,848 Table view Download the Massachusetts county-level dataset (CSV) , free to reuse with citation.
Are you a licensed insurance agent? Exclusive Massachusetts leads, pay per qualified lead, license-verified listing. No subscriptions.
Get listed Sources, citation and related pages Cite or embed this figure The average annual renters insurance premium in Massachusetts was $173 in 2022, across 1,033,084 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Massachusetts", updated 2026-08-17, https://homecoverhq.com/rates/massachusetts/.
Embed this figure (plain HTML, no scripts) Copy embed Counties in Massachusetts Renters insurance data for Barnstable County, MA Housing and insurance data for Berkshire County, MA What renting costs in Bristol County, MA Dukes County, MA rent and home values Renters insurance data for Essex County, MA Housing and insurance data for Franklin County, MA What renting costs in Hampden County, MA Housing and insurance data for Hampshire County, MA Middlesex County, MA rent and home values Housing and insurance data for Nantucket County, MA What renting costs in Norfolk County, MA Plymouth County, MA rent and home values Renters insurance data for Suffolk County, MA Worcester County, MA rent and home values Other states in the index Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.
Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.