Accident & Health Insurance Agencies in Massachusetts

Massachusetts at a glance

• 43accident & health insurance agencies listed
• 37.5%of households rentRenters insurance
• $562,100median home valueHome insurance
• 1964median year homes were builtRebuild cost calculator
• 11.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Massachusetts

How many of Massachusetts’s 14 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Inland flooding7 of 14 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Lightning7 of 14 counties

  Very High in Suffolk County.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Massachusetts
• Ice storm7 of 14 counties

  Very High in Middlesex County, Worcester County, Essex County.

• Hurricane6 of 14 counties

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in Massachusetts
• Strong wind6 of 14 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Massachusetts
• Coastal flooding5 of 14 counties

  Very High in Essex County, Barnstable County, Plymouth County.

  Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

  Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Massachusetts

Massachusetts requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $30,000 of property damage liability, often written 25/50/30. It also requires personal injury protection ($8,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in MassachusettsHow much liability cover do you need?

Source: mass.gov, limits in force since 2025-07-01. Checked 2026-10-24.