Massachusetts Home Insurance

As one of the oldest states in the nation, Massachusetts has a long, rich history that includes many of the country's first providers of home insurance opening their first offices in Boston.

Affluent State

The state has a superior standard of living compared to many other parts of the country. That explains why so many people are drawn to Massachusetts, which ranks third in population density compared to other states.

Massachussets also has the third greatest income per capita and the fourth largest per capita gross domestic product. Two out of every three Massachusetts residents live in the greater Boston metropolitan area, significantly more of them in the suburbs than the city itself.

Massachusetts Weather

Most of the state averages about 40 to 60 inches of precipitation annually, with all but five of it in the form of rainfall. Massachusetts winters are a bit milder than those of neighboring states, especially the ones in the north, New Hampshire and Vermont. Like the rest of the Atlantic seaboard, Massachusetts is vulnerable to hurricanes and cyclones, although usually they're the weak aftermath of larger storms that originated elsewhere. Temperatures tend to be moderate during the rainy spring and drier fall, and move toward extremes during the other seasons. Summer is usually hot and humid in Massachusetts.

Know Your Insurer

Before you become a customer of any insurance company, try to find out how accessible the provider is. Learn as much as possible about how a processes claims and responds to them. Questions to ask companies or agents might include:

• How long does the company take to process claims?
• How frequently are claims approved versus denied?
• Is there a procedure for appealing denied claims?
• What does the company do to resolve customer complaints?
• Is there a customer service hotline staffed 24 hours a day, seven days of the week?
• On average, how long do callers have to wait on hold?

Other Resources

It's important to know how the company will respond to both good and bad situations. In the event that something goes wrong, you do have options that could include shopping for another insurance provider. You could reach out to state regulators, but residents are advised to first try to resolve complaints through a company's existing channels before trying to seek assistance from the Commonwealth of Massachusetts Division of Insurance.

The Best Insurers

The area's long history and proximity to the center of financial services, New York, together bring the world's best insurance providers to your neighborhood. Massachusetts homes offer strong profiles that prompt carriers to offer some of their most affordable premiums to applicants from this state.