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Massachusetts Home Insurance

Massachusetts home insurance offers property damage coverage for your home. When purchasing Massachusetts home insurance, it is important to review the perils covered by the policy. The most basic Massachusetts home insurance policy, known as HO-2, covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The broader HO-3 policy offers bodily injury liability as well as additional property damage coverage. The majority of home lenders require Massachusetts home insurance for the duration of your loan.

Massachusetts Home Insurance Coverage

A good portion of the inherent perils to Massachusetts living are covered by Massachusetts home insurance. The top claims for 2004 in the state show fire, ice, wind, hail, medical liability, and theft to be the top reasons for claims. A home owner must realize that Massachusetts home insurance does not provide coverage for damage caused by flood waters. A separate flood insurance policy covers these costs. In order to find what may or may not be covered by our Massachusetts homeowners insurance policy, review the “exclusions” section of your policy.

Massachusetts Home Insurance Rates

Massachusetts home insurance can be expensive depending on the area. If the area has a history of burglary, heavy storms, or flooding, then premiums can be more expensive. Insurance companies calculate their premiums based upon a number of factors for a region. Living close to a fire station, can decrease your premium on a frame home, but having a brick home in the same location may not decrease it as significantly. For many, reducing their Massachusetts home insurance is very important.

Saving Money

There are a number of ways to reduce your Massachusetts home insurance. For example, a homeowner could increase a home’s security by adding an alarm system, deadbolts, and smoke alarms to their home. In addition to the discount they would receive from added security, a homeowner could receive a small break for installing storm shutters and reinforcing a roof. If that’s not enough, deeper discounts can be found by purchasing more than one policy through the same insurance company. Many insurance companies offer a discount for purchasing more than one policy through them. With a little footwork, a home can be safer and your premium can be reduced.

Massachusetts Division of Insurance

Commonwealth of Massachusetts
Division of Insurance
One South Station, 5th Floor
Boston, MA 02110-2208
Phone: (617) 521-7794


For other Massachusetts Insurance Resources, See:


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