How To Shop for Massachusetts Homeowners Insurance | Clearsurance (2024)

Shopping for homeowners insurance can be a bit of a process, but it’s critical if you’re looking to get the right coverage at the best price. Massachusetts homeowners insurance rates are slightly higher than the national average, so it’s important to know how to shop for Massachusetts homeowners insurance if you’re hoping to get the best rates.

This blog covers the following topics:

  • Tips for Shopping for Massachusetts Homeowners Insurance
  • The Top 3 Home Insurance Companies in Massachusetts, According to Customers
  • The Top 3 Massachusetts Homeowners Insurance Companies Based on Customer Price Rating

Before you read our guide, use our free tool below to get Massachusetts homeowners insurance quotes.

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If you’re looking for Massachusetts home insurance, there are a few things that you can do to make sure you get the best rates with the right amount of coverage. Remember, the lowest possible price isn’t the only goal. You want to make sure that you are getting the lowest possible price for the coverage that you need and from a reputable company.

Here are some tips for buying home insurance in Massachusetts:

1. Get quotes from multiple Massachusetts Insurance companies

This is the number one tip you should keep in mind when shopping for home insurance in Massachusetts. Consider getting quotes from at least three different companies to compare them.

Insurers use a fairly standard set of factors when determining your premium rate, but each company applies a different level of weight to those factors. This is why you can end up with fairly different premium rates on the same house with the same amount of coverage, so getting quotes from multiple companies is a must.

2. Ask if they offer multi-line discounts

Grouping or consolidating your different types of insurance such as home, auto, and any additional coverages with one insurer is called “bundling” your policies.

Insurance companies like it when customers have multiple types of insurance with them so they will often provide an incentive (discounts) to encourage people to bundle their policies. If you like your auto insurance company, ask if they offer homeowner insurance in Massachusetts.

3. Consider a higher deductible to save money

The deductible is the amount you pay to cover damage before your insurance coverage kicks in. When you choose a higher deductible, you are accepting more of the initial financial responsibility for damage, and this means that the insurer will pay less.

By accepting a greater portion of the initial cost, an insurer will generally reduce your premium amount.

The Top 3 Home Insurance Companies in Massachusetts, According to Customers

Here are the top three home insurance companies in Massachusetts as rated by customers on Clearsurance.com that offer quotes as of July 2020. This includes an analysis of common trends found in reviews and statistics sourced from the reviews.

When shopping around for Massachusetts homeowners insurance, consider getting quotes from these companies that customers say are the best.

Please note: In order to qualify for the list, companies must sell homeowners insurance in Massachusetts, have at least 25 homeowners insurance reviews in the last two calendar years, and they must be a Clearsurance affiliate and offer quotes on the site. For a complete and updated list of the top-rated companies in Massachusetts, you can visit the Massachusetts homeowners insurance rankings page. On this page, you can also get insurance recommendations based on your specific requirements and zip code.

1. Lemonade Insurance for Massachusetts Homeowners Insurance

Lemonade on Clearsurance.com. If you are looking for home insurance in Massachusetts that provides great customer service, add Lemonade to your list for consideration. Lemonade earned a score of 4.85 for home insurance out of 5.00 stars on Clearsurance.com as of July 2020.

Pros: Customers on Clearsurance praise Lemonade’s easy-to-use website and clear and transparent pricing. Lemonade also receives high marks for explaining coverage well, and having lots of coverage options.

Cons: The only negative mentioned by customers is that Lemonade doesn’t reward loyal customers.

The majority of Lemonade customers are very happy with their experiences, as you can see in the statistics below pulled from reviews on Clearsurance.com.

  • 92% of Lemonade customers are likely to renew,
  • 94% of Lemonade customers would recommend the insurance to a friend, and
  • 95% of Lemonade customers rate their claims experience positively.

One of the positive reviews Lemonade received was written by a customer who experienced wind and water damage to their home. The review says, “Lemonade is the best insurance company I have come across. In your time [of] need they won’t leave you stranded. I had terrible wind and water damage to my home. They were fast, effective and communicated with us every step of the way. We are a military family and we highly endorse this insurance company.

Read all Lemonade reviews on Clearsurance.com.

2. Allstate Insurance for Massachusetts Homeowners Insurance

Allstate is a well-known company and the reviews provided on Clearsurance reflect a largely happy customer base. Allstate earned a score of 3.99 out of 5.00 stars for home insurance on Clearsurance.com as of July 2020.

Pros: Customers on Clearsurance enjoy Allstate’s flexible billing options and transparent pricing. Other key positives listed include a wide range of coverage options and an easy-to-use website.

Cons: No “cons” were listed by customers in the analysis of reviews.

Allstate’s customer base is largely pleased with their coverage and this is reflected in the feedback from customers who wrote a review on Clearsurance.com.

  • 80% of Allstate customers are likely to renew,
  • 78% of Allstate customers would recommend the insurance to a friend, and
  • 77% of Allstate customers rate their claims experience positively.

One Massachusetts Allstate customer wrote a review about the Allstate customer service. The review says, “My experience with Allstate was great. every time I had an issue with a payment or status of my insurance their customer service was always super helpful. [I] would recommend them.

Read all Allstate reviews on Clearsurance.com.

3. The Andover Companies for Massachusetts Homeowners Insurance

The Andover Companies is a local group of companies based in Andover, MA. The group consists of Merrimack Mutual Fire Insurance Company, Cambridge Mutual Fire Insurance Company and Bay State Insurance Company.

The Andover Companies is a highly rated option for Massachusetts homeowners insurance. It earned a score of 3.93 out of 5.00 stars for home insurance on Clearsurance.com.

The Andover Companies has loyal policyholders, as you can see in the following statistics from customers that wrote reviews on Clearsurance.com.

  • 75% of Andover Companies customers are likely to renew and
  • 79% of Andover Companies customers would recommend the insurance to a friend

One Massachusetts policyholder wrote a review of The Andover Companies about their experience with a claim. The review says, “I am a current policyholder and had a recent claim. A pipe leak caused significant damage to my kitchen and finished basement. The adjuster was at my home the next day and was very attentive and responsive throughout the claims process. I was extremely satisfied with the service I received in a difficult and stressful time in our lives. I highly recommend The Andover Companies.

Read all reviews of The Andover Companies on Clearsurance.com.

The Top 3 Massachusetts Homeowners Insurance Companies Based on Customer Price Rating

While there are many factors to consider when shopping for Massachusetts homeowners insurance, one of the most important ones is price. You should make sure that you don’t overpay for Massachusetts home coverage.

Clearsurance analyzed Massachusetts companies and how customers rated the company for the price of their policy. Below you can find the top 3 Massachusetts home insurance companies rated by customers for their perceptions of price.

Please note: for this ranking, we looked at all homeowners insurance companies in Massachusetts that had at least 25 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.

  1. USAA Insurance*: price rating of 4.60
  2. Safety Insurance: price rating of 4.25
  3. Allstate Insurance: price rating of 4.21

*USAA is only available to military members and their families. Read: Am I eligible for USAA?

If you know how to shop for Massachusetts home insurance and take the time to research your options (most of which can be done online), you can find the best rates for the right coverage for your home.

Now that you've read our guide on how to shop for Massachusetts homeowners insurance, use our free insurance quote comparison tool below to find the best rates for personalized coverage.

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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

As an insurance expert with a deep understanding of the Massachusetts homeowners insurance market, let's delve into the key concepts discussed in the provided article.

1. Importance of Shopping for Homeowners Insurance:

  • The article emphasizes the critical nature of shopping for homeowners insurance, especially in Massachusetts where rates are slightly higher than the national average.
  • Stress is laid on the need to find the right coverage at the best price, indicating an understanding of the balance between cost and coverage adequacy.

2. Tips for Shopping for Massachusetts Homeowners Insurance:

  • Getting quotes from multiple insurance companies is highlighted as the number one tip. The article explains that each company may weigh factors differently, impacting premium rates.
  • The concept of "bundling" or consolidating different types of insurance for potential discounts is introduced.
  • The suggestion of considering a higher deductible to save money is presented, with a clear explanation of how it affects premium amounts.

3. Top 3 Home Insurance Companies in Massachusetts:

  • Three insurance companies are recommended based on customer ratings on Clearsurance.com as of July 2020: Lemonade, Allstate, and The Andover Companies.
  • For each company, pros and cons are outlined, and customer satisfaction statistics, renewal rates, and recommendations are provided.
  • Real customer reviews are included to give readers a firsthand understanding of the customer experience with each company.

4. Top 3 Massachusetts Homeowners Insurance Companies Based on Customer Price Rating:

  • A separate ranking based on customer perceptions of price is presented.
  • USAA Insurance, Safety Insurance, and Allstate Insurance are the top three companies based on their price ratings according to customer reviews.
  • A note is included about USAA being exclusively available to military members and their families.

5. Use of a Free Insurance Quote Comparison Tool:

  • The article provides a tool for readers to obtain free homeowners insurance quotes, reinforcing the practical aspect of the advice given.
  • The tool is secured with SHA-256 encryption, addressing potential concerns about online security.

6. Legal Disclaimer:

  • A legal disclaimer is included, emphasizing that the content serves as a public service and is not a substitute for legal advice.
  • Readers are encouraged to consult qualified attorneys or insurance professionals for specific legal or insurance-related issues.

In conclusion, the article not only demonstrates a comprehensive understanding of the Massachusetts homeowners insurance market but also provides actionable tips, real customer feedback, and tools for readers to make informed decisions. This depth of information suggests a level of expertise that readers can trust when navigating the complex landscape of homeowners insurance.

How To Shop for Massachusetts Homeowners Insurance | Clearsurance (2024)
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