Massachusetts Renters Insurance

Whether you rent a modern apartment in Boston’s Back Bay or a four-bedroom home in Amherst, renters insurance in Massachusetts can help you repair or replace your personal belongings if they’re damaged or stolen.

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How much does renters insurance generally cost in Massachusetts?

Renters insurance in Massachusetts can cost as little as $17 a month (or $208 per year) for around $35,0001 in coverage, more than the national average, according to 2021 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.

What does Massachusetts renters insurance typically cover?

Typically, renters insurance policies in Massachusetts can provide coverage against damage to or loss of personal belongings if caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding — a common risk in Massachusetts — is not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters. 

Is renters insurance required in Massachusetts?

No state laws require you to have renters insurance in Massachusetts. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.


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Also known as trailing arbutus, Massachusetts’ state flower is a herald of spring that was enormously popular during the 19th and early 20th centuries, not just for garlands and bouquets but also for cosmetics. — Grow Native Massachusetts

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Learn From Experience

Do you have more questions about renters insurance? We have answers

Would Renters Insurance Be Worth It if I Don't Own Much?

Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.

Does Renters Insurance Cover Theft?

Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.

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A blizzard left one couple and their newborn with no heat, lights or food — for days. A hurricane plunged a Texas family into the dark for two weeks, and back-to-back storms had New Jersey homeowners bailing out a basement for 22 days. They talk about how they survived and what they’re doing to be ready when the next blackout hits.

1 Estimate is based on HO-4 policy with coverage of $32,000 to $37,999.