Massachusetts renters insurance

Massachusetts renters insurance coverages

Check out the four standard coverages on nearly all Massachusetts renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Massachusetts is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Massachusetts?

Renters insurance in Massachusetts isn't required by law, but your landlord or rental company might require you to have a renters policy in place before you can move in. Even if it's not required, renters insurance may offer essential protection for tenants.

Is renters insurance worth it in Massachusetts?

Renters insurance is an affordable and easy way to stay protected as a tenant. Consider the following scenarios where renters insurance can help:

• A fire in your building results in smoke damage to your furniture. Your renters policy may pay to repair or replace the damaged items.
• A guest in your home falls down the stairwell and is injured. Medical payments coverage under your renters policy may pay for their medical bills.
• Water damage to your apartment forces you to live elsewhere while your unit is being repaired. Loss of use coverage may cover the expense of a hotel stay as well as groceries, above what you normally spend.
  

How much is renters insurance in Massachusetts?

Progressive renters policies in Massachusetts had an average monthly price of $22.01 or $264.16 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Coverage limits can also affect your cost for renters insurance. The more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Massachusetts?

Take advantage of renters insurance discounts to help lower the cost of your renters policy. Progressive offers discounts for bundling multiple policies, quoting in advance, and paying in full. You may also save if you live in a secure or gated community.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436, or speak to an agent in your area to help ensure you're getting all applicable discounts.