The Best Renters Insurance in Massachusetts (2024)

State Farm could be a good choice for Massachusetts renters looking for a budget-friendly policy. Although it offers competitive prices compared to the insurers on our list, your rates will depend on several factors related to your property, claims history and various personal information.

The insurer lets you bundle your renters policy with many other policies, offering a significant discount on your overall cost. It also provides a discount if you install devices that enhance your home’s safety and security.

You can qualify for these discounts with a State Farm renters insurance policy.

• Bundling
• Home protection

The insurer lets the policyholders add the following endorsements to their policy:

• Earthquake damage
• Identity restoration
• Personal liability umbrella policy
• Pet insurance

To get a better understanding of what customers like and dislike about State Farm, our team read through reviews on the Better Business Bureau and Trustpilot.

What Customers Like

• Outstanding service: Many State Farm customers, such as this reviewer, mentioned that its customer service is welcoming and kind. 
• Supportive local agents: Several policyholders, including this one, praise the insurer’s supportive local representatives who patiently addressed their concerns.

What Customers Don’t Like

• Rejected claims: Several customers, such as this reviewer, have complained about the insurer turning down their claims for property damage.
• Policy cancellation: A customer expressed frustration with the company for canceling their policy in what they believed to be an unfair way.

We reached out to State Farm for comment on its negative customer reviews but did not receive a response.

Allstate can be a solid option for seniors in Massachusetts, as the company provides a discount of up to 20% for roadside plans for AARP members. People 55 and older can save up to 25% more on a policy if they don’t work full-time and don’t seek full-time work. It also offers a discount on purchasing multiple types of policies.

Although the insurer does not offer many endorsement options, it lets you purchase a flood policy through the National Flood Insurance Program (NFIP) through its agents.

You might not be able to save significantly on your policy if you’re not a senior, as State Farm does not provide many discounts:

• 55-and-retired discount
• Multiple policies

The insurer lets Massachusetts renters purchase these endorsements:

• Flood insurance
• Identity theft restoration
• Personal umbrella policy
• Scheduled personal property coverage

To get a better sense of what customers perceive Allstate’s benefits and drawbacks to be, we reviewed their feedback on the Better Business Bureau and Trustpilot.

What Customers Like

• Helpful representatives: Several reviewers, including this one, appreciate the company’s helpful and approachable agents.
• Efficient claims handling: Many customers, such as this policyholder, mentioned the company’s streamlined process for handling claims.

What Customers Don’t Like

• Delayed response: A customer mentioned having to wait a significant amount of time for an inspector to evaluate their roof damage.
• Rejected claims: Several customers, such as this one, did not like how the company denied their claim in a way they believed was unjust.

We reached out to Allstate for comment on its negative customer reviews but did not receive a response.

Aside from offering several discounts, Liberty Mutual also scores well in J.D. Power’s customer satisfaction study, which shows it provides good service to its policyholders. The insurer might lower your premium if you remain claims-free for a certain period, buy a policy before your current one expires or buy more than one type of policy.

It offers personal property replacement cost coverage, which can pay to repair or replace the total cost of your damaged items based on their new value.

Liberty Mutual provides several discounts to Massachusetts renters purchasing a policy, including:

• Claims-free history
• Early shopper
• Multiple policies
• Online purchase
• Preferred payment

Although not many endorsement options are available with this insurer, you can add these optional coverages to your policy:

• Blanket jewelry
• Earthquake damage
• Personal property replacement cost

To get a sense of what customers think about Liberty Mutual, our team combed through reviews on the Better Business Bureau and Trustpilot.

What Customers Like

• Exceptional support: A lot of customers, such as this reviewer, complimented the insurer for the extraordinary support offered by their helpful agents.
• Quick claim settlement: Several policyholders, including this one, appreciated the insurer’s payment of claims without unnecessary delays.

What Customers Don’t Like

• Rising premium: Many customers, such as this one, were upset about their premium increasing despite not filing any claims.
• Expensive policies: A few customers mentioned how the company charged significantly higher premiums than its competitors.

We reached out to Liberty Mutual for comment on its negative customer reviews but did not receive a response.