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How much does renters insurance cost in MA?

I live in Massachusetts and I’m prepared to move out of my parents’ house, but my mom keeps insisting that I get renters insurance for my new place. How much does renters insurance cost in MA?

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Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Moving out of your parents’ house can be exciting (but sometimes a little scary!). There is no state law that requires you to have renters insurance, but your mom may be right in insisting that you get it.
The average cost of renters insurance in MA is around $140 a year, which is about $20 lower than the national average. Massachusetts renters often end up paying just around $10 a month for their renters insurance premiums for $20,000 in personal property coverage.
Renters insurance provides protection against situations for which your landlord cannot be held responsible, such as theft of your personal property. Your renters insurance will not cover damage to or issues with the building itself—that’s the landlord’s job.
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