Boston renters face severe winter risk and one of the highest-cost rental markets in the US.
Flood damage: excluded from standard HO-4 policies. NFIP renter flood policies at floodsmart.gov. Check flood zone at msc.fema.gov.
Earthquake damage: excluded from standard HO-4 policies. Separate earthquake renters coverage available.
Your landlord's structure: your landlord's policy covers the building. Your HO-4 covers your personal property and liability.
According to the NAIC Homeowners Insurance Report (2021 data), the statewide average annual renters insurance premium in Massachusetts was approximately $163/year (~$14/month). This is a state-level average — not a city-specific figure. Source: NAIC Homeowners Insurance Report (naic.org).
Massachusetts Division of Insurance — licenses carriers and agents in Massachusetts, reviews rate filings, and handles consumer complaints.
Massachusetts Division of Insurance — official site
Verify carrier licenses and complaint data nationally at naic.org/cis.
We've ranked renters insurance carriers for 2026 against ClearValue's published methodology.
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