Home insurance you can rely on.
Comprehensive coverage built for homeowners. With Nobile, rest easy knowing your property is safe.
Why you need home insurance
Buying home insurance is simply a smart way to protect what matters most to you: your property and your belongings inside.
You’ll be covered in the event of certain weather events and unexpected damage or repairs.
In Massachusetts, you’re not legally required to purchase home insurance. However, if you’re applying for a mortgage, you may need it to qualify. Lenders may require you to provide proof of insurance, known as an insurance binder, and payment as a part of your escrow. It’s protection for them in the case of a significant loss.
Finding the right coverage at the right price shouldn't be complicated. At Nobile, we make it easy to get coverage that works for you.
Need to insure a condo? See more on condo insurance.
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Save big when you bundle home and car insurance with Nobile.
100 years of trust. Here's proof.
"I've been a loyal customer of Nobile Insurance Agency for over 40 years, and that alone says a lot. Whether it's home, auto, or any other coverage, they've always made the process clear and easy. It's rare these days to find a company that still values long-term relationships, and Nobile absolutely does.
— Dee N. (Current Client & Verified Google Review)
“I have been with Nobile for over 15 years and they have handled both my personal and business insurance coverage. They have always gotten me everything I requested in a timely manner. Highly recommend them for your insurance needs.”
— Doreen G. (Current Client & Verified Google Review)
"So helpful and knowledgeable. My family has been using this agency for so long, I have to say for over 30 years. Each time I call them, I'm met with professionalism, helpfulness and knowledge. They know exactly what they're doing and always deliver exceptional service. Highly recommend!"
— Lisa G. (Current Client & Verified Google Review)
Here’s how it works.
Fill out a smart form.
On our free quote page, select a smart form option and we'll review your coverage and premium to improve or adjust it based on your needs. This lets us check for discounts and quickly compare rates across our carriers to find you the best price.
No policy? No problem. Just select "No" when asked and we'll get started.
We'll match you with a carrier.
We'll pair you with a carrier that offers the best combination of protection, price, and reliability. After we find the right fit, we'll send over a quick application for you to review and sign.
You're all set.
Once your application is complete, you'll receive proof of coverage and be fully insured. From there, we'll always be around to help with policy updates, claims, and anything else that comes up.
Already insured? No problem. We’ll review your coverage and compare rates to find you the best price.
Quotes are 100% free. No payment upfront needed.
The cost of home insurance
Some information sourced from Mass.gov | Last updated May 2026
Premiums for home insurance can vary based on several factors. It’s important to understand what affects the cost so you can get the best price for what you have. Here are some of the most common ways your premium may be impacted.
Location
Your home’s location plays a big role in calculating your premium. Homes near the coast, farther from fire stations or hydrants, or in areas prone to severe weather often cost more to insure, while homes in lower-risk areas may see lower premiums.
Property Size and Condition
The size and condition of your property play a role in determining your premium. Homes that aren’t in great shape often cost more to insure, and larger homes generally come with higher premiums as well. Some carriers may also offer discounts for a well-maintained property.
Claim History
Carriers consider your past claim or loss history when calculating your premium. Generally, the more claims on record, the more your premium may increase.
Coverages and how they work
Some information sourced from Mass.gov, Mapfre, and Progressive | Last updated May 2026
On every Massachusetts home policy, you’ll find a breakdown of your coverages, endorsements, and credits. Here’s how it works.
Standard Coverages
Dwelling coverage protects your home's outside structures, like your roof, walls, and porch.
Other Structures coverage protects detached structures on your property, like a detached garage, fencing, or a shed.
Personal Property coverage protects your personal belongings inside your home. Your electronics, furniture, clothing, and more are covered. For more expensive items like jewelry or collectibles, you may want to consider adding an additional endorsement called Scheduled Personal Property.
Loss of Use or Additional Living Expenses (ALE) coverage may provide cost relief if you’re unable to live in your home while it’s being repaired or rebuilt. This may include hotel bills, restaurant meals, and other increased living costs.
Personal Liability coverage protects you if you’re found legally responsible for someone else’s injuries or have damaged their property.
Medical Payments coverage may pay someone’s medical bills if they’ve been injured on your property. This coverage is applicable to the inside and perimeter of the home.
Other Coverages and Endorsements
You can choose to add other coverages to your policy depending on what you need. Here’s a few common ones.
Scheduled Personal Property
Earthquake Coverage
Flood Coverage
Personal Umbrella
Home Business Coverage
Risks to look out for
Certain features can raise your premium, such as older wiring and plumbing, specific dog breeds, trampolines, or swimming pools.
Carriers may factor these in as added risks when calculating your premium.
Discounts for your home policy
There are many ways to save on your home policy. Here are some of the most common discounts and credits you may qualify for. Also take a look at our full Discounts page.
Home Discounts
- Account Credit (Policy Bundles)
- Paid-In-Full Discount
- Loyalty Discount
- Claim Free Discount
- Increased Deductible Discount
- Alarm Credit
- New Home Discount
- Protective Device Discount
- Superior Construction Credit
Availability and amounts vary by carrier and policy. Eligibility factors apply. All discounts and credits may not be listed.
Last updated May 2026
Home Insurance FAQs
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There are a few ways to help bring your premium down. Bundling your home and auto policies with the same carrier is one of the most common. Increasing your deductible can also lower your premium, though it means you’ll pay more out of pocket if you file a claim. Keeping your home in good condition, updating older wiring and plumbing systems, and adding safety features such as burglar alarms may also qualify you for more discounts and credits.
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Because every home is different, it’s difficult to provide a true average. Yearly home insurance premiums will depend on your home’s location, its size, your coverage amounts, and claim history.
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Massachusetts law doesn't require homeowners insurance, but if you have a mortgage, your lender almost certainly does.
Even if your home is paid off, it's one of the most important policies you can carry, protecting the structure, your belongings, and your personal liability all in one place.
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If you've been declined coverage in the standard market, the Massachusetts Property Insurance Underwriting Association, also known as the FAIR Plan, exists as a last-resort option to make sure you can still get covered.
Premiums tend to be higher and coverage more limited than a standard policy, so it's worth working with an independent agent like Nobile to exhaust all options first.
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Actual cash value factors in depreciation, meaning you'd get what your roof or belongings are worth today, not what it costs to replace them. Replacement cost pays what it actually costs to repair or rebuild using materials of like kind and quality. For most homeowners, replacement cost coverage is worth the slightly higher premium, especially as construction costs continue to rise.
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Yes. This is one of the most common mistakes we see.
Renovations, additions, and upgrades increase your home's replacement cost. If your policy hasn't been updated to reflect those changes, you could be significantly underinsured when a claim happens.
Let us know after any major project and we'll make sure your coverage keeps up.
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Yes. We offer a full range of commercial products, including commercial property policies.
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Learn more about insurance.
Already a Nobile client? You’re most likely receiving any discounts and credits you’re eligible for.