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Best Renters Insurance Massachusetts

Last modified: Sep 29, 2022

Let us help you find the best renter’s insurance in Massachusetts to get the best for your buck when it comes to renters insurance in Massachusetts.

While no state law mandates renters insurance in Massachusetts, a home’s lease requires you to have renters insurance with additional interest. Besides that, there are many reasons why one should invest in renters insurance in Massachusetts, mainly to protect your belongings against theft or damage.

Another major reason to get renters insurance is that it only costs around $15 per month, albeit this cost may vary depending on various reasons, including the size of the rental property and its location. You would want to find the best renter’s insurance in Massachusetts to get the most out of your investment.

Here, we have listed affordable insurance companies based on the coverage options, ratings, customer service, and overall value for money that they offer their customers.

If you are looking for affordable renters insurance outside of Massachusetts- make sure to check out our list of best renters insurance companies in the US.

How to Choose the Best or Cheap Renter’s Insurance in Massachusetts?

Finding the best or affordable renters insurance in Massachusetts is relatively easy. All you have to do is go online and look up cheap renters insurance in Massachusetts.

There are third-party sites that generate instant quotes on renters insurance companies by taking into account various factors, such as personal property coverage, liability coverage, additional living expenses coverage, medical payment coverage and deductibles, and loss of use.

Thanks to these comparison sites and other information available on the insurance providers’ websites, finding the best renters insurance in Massachusetts has never been easier.

Best and Cheapest Companies for Renter’s Insurance in Massachusetts

If you do not have the time to carry out a renter’s insurance comparison in Massachusetts, no need to fret. Here, we will take a closer look at some of the best options in Massachusetts renter’s insurance you can invest in to keep your belongings safe from theft or damage.


Amica is a well-known insurance provider in Massachusetts. Their renter’s insurance coverage protects your belongings from theft, vandalism, or damage. Amica renter’s insurance enjoys a high rating from JD Power and the Better Business Bureau and is considered a budget-friendly option.




Travelers enjoy a high rating for its coverage options and customer service. The insurance provider offers affordable policies for renters in Massachusetts that cover theft and damage and other additional expenses for an additional premium. Travelers insurance also enjoys higher than average ratings by JD Power, a testament to their high-quality coverage options.




Allstate offers reliable and affordable renters insurance in Massachusetts. Average renters insurance costs around $15 per month, which is highly affordable. Allstate renters insurance helps cover damages due to theft or fire at your rental property. It also covers losses in a hotel for a deductible. Personal umbrella policy and flood insurance are also available. With a high AM Best rating of A, you can get the best insurance options and services with Allstate renters insurance in Massachusetts. 




Liberty Mutual

Liberty Mutual offers renter’s insurance in Massachusetts for as low as $5 per month. Their renter’s insurance policy is considered to be among the most reliable and affordable in Massachusetts. The policy offers coverage for damages done to clothing, furniture, electronics, jewelry, damages due to accidents, and temporary living expenses. Liberty Mutual has an NAIC rating of 3.56 and an A+ BB rating, along with a JD Power score of 3.2/5, which is a testament to the level of quality they offer.





Erie renter’s insurance policies offer full coverage that costs you just around $15 a month. The insurance provider also offers exceptional customer support and fast claims processing. The company has an AM Best financial strength rating of A, making it a reliable provider of renters insurance in Massachusetts. A renters insurance policy offers coverage for damages such as fire, storm or theft, and includes liability coverage for lawsuits and medical expenses.




State Farm

State Farm offers cheap policies for renters in Massachusetts. State Farm’s renters insurance coverage is designed for renters living in condos, apartments, and homes. It covers belongings in case of damage or loss due to theft or fire. While State Farm is the country’s largest auto insurer, it also offers reliable and affordable renters insurance coverage. State Farm renter’s insurance covers your personal property, such as electronics, clothing, and furniture — both inside and away from your apartment.

Additional coverage options include waterbed liability coverage, additional insured coverage, sewer or drain backup coverage, incidental business coverage, nurses’ professional liability coverage, personal injury liability coverage, additional liability coverage, earthquake coverage, and additional business property coverage.

State Farm enjoys good ratings from the National Association of Insurance Commissioners (NAIC) and ranks amongst the highest in the best renters insurance companies for 2019, according to JD Power. The insurance provider also offers a mobile app and fast claim filing. The average renters policy cost around $12 a month, but you pay more for additional benefits.





GEICO renter’s insurance offers coverage for condos, homes, and apartment rentals. The policy covers all electronic appliances, furniture, clothing, and accidental damage. It also provides coverage for medical expenses and legal fees. If you want to make sure you get coverage for theft, fire, vandalism, and other damage, then you can count on GEICO renter’s insurance in Massachusetts for as low as $12 a month. The insurance provider enjoys an A++ rating from AM Best and has a strong customer satisfaction rating.





Safeco has been serving 50 states since 1923. Safeco Renters Insurance protects your possessions from damage and theft. What makes Safeco a great option for renter’s insurance in Massachusetts is that it also offers coverage for theft or damages in and around the rental property.

Additional coverage options include identity recovery, valuable articles, and personal property replacement cost protection. Average renters insurance policies cost between $9 and $24 per month and depend on several factors.

The insurance provider has excellent financial strength and rating on AM Best and NAIC. According to JD Power, it has also secured a score of 820/1000  which goes to show their level of commitment.




List of Cities and Their Averages

City Average
Boston $22.9
Worcester $14
Springfield   $23
Cambridge $108
Lowell $16


Buyer’s Guide

For those interested in getting renter’s insurance, it is advised to understand the process and the Massachusetts renter’s rights. While Massachusetts renter’s insurance laws do not require renters to get insurance, it is required while signing a renter’s lease.

Additionally, renters insurance helps protect the renters’ belongings from theft or damage, making renters insurance priceless regardless of the Massachusetts renter’s insurance rates. Most renters insurance policies provide two basic types of coverage: personal property and liability.

Renter’s insurance can also cover a variety of incidents depending on the type of coverage you get. This is why it is important to always research before buying renter’s insurance. 

Actual cash value and replacement cost are two ways how renters insurance reimburses. The first option pays the full cost of replacing the items with new ones, while the second option pays the property’s worth when it was damaged.

Massachusetts renter’s insurance doesn’t cover business pursuits or business personal property. Renter’s insurance in Massachusetts normally covers theft and damages, while some policies do not cover damages related to floods or natural disasters. This is why it is crucial to ask the insurance provider beforehand to get the most bang for your buck.


How much is renters insurance in Massachusetts

The average cost of renter’s coverage in Massachusetts is around $19 per month. This cost may vary depending on various factors and the insurance provider.

What are the renter insurance laws in Massachusetts?

While no law mandates getting renters insurance in Massachusetts, a renter’s insurance is required by some landlords when signing the rental agreement.

Does Massachusetts renters insurance cover liability outside the house

Renter’s insurance only provides coverage for belongings if they are stolen or damaged in the rental property.

Can a landlord require renters insurance in Massachusetts?

Yes. In Massachusetts, renters insurance is required before signing the rental agreement.

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