Massachusetts Home Insurance (2026): Allstate Insurance Company filed +9.4% effective 2024-07-01
As of May 2026, Rate Authority's analysis of Massachusetts homeowner insurance rate filings draws on Rate Authority (NAIC 2023 baseline + 0 DOI filings). Source: Rate Authority, May 2026.
Last updated May 2026 · Rate Authority.
Massachusetts home insurance: 2 carrier rate filings tracked. Most recent notable: Allstate Insurance Company filed +9.4% effective 2024-07-01 (filing MA-DOI-2024-HOME-01490). Median change across all 2 filings: +9.4% (range +7.1% to +9.4%). The 2023 NAIC state-average baseline is $145/mo (Rate Authority, May 2026) for reference.
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Recent Massachusetts home rate filings
Rate Authority tracks every carrier rate filing in Massachusetts daily. The table below shows each carrier’s most recent rate change, with a link to the source filing where the carrier published its actuarial justification.
| Carrier | Rate Change | Effective | Filing ID | Source |
|---|---|---|---|---|
| Allstate Insurance Company | +9.4% | 2024-07-01 | MA-DOI-2024-HOME-01490 | State DOI |
| Liberty Mutual Insurance Company | +7.1% | 2024-04-01 | MA-DOI-2024-HOME-01001 | State DOI |
Best Massachusetts home insurance by driver profile
The “best” home carrier in Massachusetts depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 0 recent filings + the 2023 NAIC baseline.
Best for high-value homes ($750K+) in Massachusetts: Chubb and PURE specialize in high-net-worth coverage. Standard carriers cap dwelling coverage well below the replacement cost on these properties.
Best for standard single-family homes in Massachusetts: State Farm files among the most competitive baseline rates in the standard market.
Best for older homes / specialty risks in Massachusetts: Travelers and Liberty Mutual will underwrite properties that more conservative carriers decline.
Massachusetts home insurance — what affects your rate
Massachusetts home rates reflect the state’s loss-cost mix — urban density, weather exposure, litigation costs, and how quickly the regulator lets carriers re-rate.
Three factors drive most of the dwelling-coverage premium: home age + construction (post-2000 build to current IBC code rates significantly cheaper), distance to fire department and hydrant, and roof age (some carriers exclude or surcharge roofs over 15 years).
Frequently asked: Massachusetts home insurance
How much does home insurance cost in Massachusetts?
The 2023 NAIC published average is $1,740/year (about $145/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Why are Massachusetts home insurance rates high?
Massachusetts rates reflect the state’s loss-cost environment: population density, weather risk, litigation costs, and the regulatory regime that governs how quickly carriers can re-rate.
How can I lower my Massachusetts home insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Compare quotes in 60 seconds: Compare quotes
How Rate Authority sources this data
Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. Filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- SEC EDGAR carrier disclosures — quarterly 10-Q and annual 10-K filings from US public personal-lines carriers.
Methodology: /methodology/rate-authority/
(Source: Rate Authority, May 2026.)
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