Home Insurance Agencies in Cambridge, MA

Cambridge at a glance

• 3home insurance agencies listed
• 66.5%of households rentRenters insurance
• $1,092,100median home valueHome insurance
• 1950median year homes were builtRebuild cost calculator
• 33.2%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 in Middlesex County

FEMA rates the overall natural hazard risk in Middlesex County, where most Cambridge agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• Ice stormVery High
• Inland floodingRelatively High

  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
• LightningRelatively High

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

  Home insurance in Cambridge
• HurricaneRelatively High

  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 Cambridge
• Strong windRelatively High

  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 Cambridge

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

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 CambridgeHow much liability cover do you need?

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

Where Cambridge agencies are

Cambridge agencies we list sit in 2 ZIP codes, mostly in Middlesex County.

• 021392 agencies
• 021421 agency