Renter's Insurance in Massachusetts

Get a Renters Quote
What Is Renter's Insurance?

Renter’s insurance covers a renter’s personal property and can help replace items that are affected by a loss. Renter’s policies cover events like fires, storms, hail, smoke damage, water and pipe leaks, theft, vandalism, and more.

renters insurance boston
Why Do I Need It?

Your landlord’s insurance does not extend to you and your property — it only covers your landlord and doesn’t include your personal belongings or any potential liability claims.

MA renter's insurance

What Does Renter’s Insurance Cover?

As we mentioned above, renter’s insurance covers two main things:

  • Personal property: Under renter’s insurance, your belongings, such as furniture, clothing, computers, and kitchenware are protected.
  • Liability: If a guest is injured in or outside your home, bitten by your dog, or files a lawsuit for some other reason, renter’s insurance may help with the legal defense costs and/or the settlement.

FYI: dog-related claims are among the most common. Learn more about renter’s insurance with a dog.

Dog-related claims are among the most common. How important is renter’s insurance with a dog? Learn more.

Do All Massachusetts Renters Need Insurance?

This is an important question — especially for residents who live with roommates or significant others who are not spouses. It’s a good idea for each tenant to purchase and maintain his/her own policy. But you do have the option of adding other household members to your renter’s insurance. Learn more about insurance for unmarried couples, or contact our team of Massachusetts agents to get personalized advice on your situation.

renters insurance with a dog
Renter's Insurance Costs

According to the official website of the Commonwealth of Massachusetts, the average cost is between $15 and $30 a month.

Your rates could be higher or lower, depending on where your rental is located and other factors. Many insurance carriers will offer a discount if a renter bundles an auto and renter’s insurance policy.

What Factors Influence the Rates?

Factors that influence policy rates include:

  • Value of personal possessions
  • Location
  • Type of building
cost of renters insurance
Insurance Company Coverage 

Our agency has access to a long list of top-tier insurance carriers. This means we can help you shop around for better terms and (oftentimes) better rates.

Our recommended minimum levels of coverage are:

  • Personal property coverage: $30,000
  • Liability coverage: $500,000
  • Medical payments coverage: $1,000
  • Deductible: $500
Male arm in suit offer insurance form clipped to pad

Why C&S?

We insure more than 20,000 individuals and families, many of whom rent apartments or houses in Massachusetts. If you’re renting living space in the Bay State, we hope you’ll reach out for a quote or for a complimentary review of your current insurance plan.


We provide complete coverage for your renter’s insurance needs so you can keep your mind on your business knowing you’re covered. You can speak with an agent about your coverage at any of the following locations:

Massachusetts Renter’s Insurance FAQs

Check out the full Q&A on Renter’s Insurance in Boston, Framingham, Worcester, and other Massachusetts towns. Ready to start your quote? Call us directly at 508.594.3961. You can also complete the quote form on this page and someone on our team will get back to you within 24 business hours.

How much is renter’s insurance?

The average renter’s insurance cost in Massachusetts is between $15 and $30 a month.

Read More
Is renter’s insurance required in Massachusetts?

No, but it’s recommended. Some landlords may require their tenants to hold renter’s insurance.

Read More
Does renter’s insurance cover stolen luggage?

If your luggage gets stolen during a vacation or work trip, your Massachusetts renter’s insurance will probably cover the loss, but it’s not always a guarantee so make sure to review your policy.

Read More
I’m a student, and I’m on my parent’s insurance. Do I need to obtain my own policy?

If you live in campus housing, you are most likely covered by your parent’s insurance.

Read More