Affordable home insurance in Boston.

We’ve been serving Massachusetts homeowners and renters for decades, providing great insurance coverage that actually works for them. With direct relationships to top carriers like Mapfre, Progressive, Vermont Mutual, and more, we’ll help you compare options and find coverage that makes sense for you.

At Nobile, we combine local expertise with modern convenience. Our website makes it easy to request quotes, reach out to us, or manage your policy 24/7, without the hassle of phone tag. You’ll also find helpful resources like FAQs and our Client Portal & Knowledge Center to learn more about insurance.

Whether you’re buying your first home, renting out an apartment, or looking for discounts, we’ll make sure you get the coverage that works for you.

Looking to bundle and save? See more on car insurance.

Personal Insurance Products

  • Homeowners Insurance
  • Auto Insurance
  • Condo Insurance
  • Renters Insurance
  • Flood Insurance
  • Boat Insurance
  • Motorcycle Insurance
  • Classic Car Insurance
  • Personal Umbrella

Explore our most popular personal insurance products to protect your home, vehicles, and lifestyle.
Last updated March 2026

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Coverages and how they work

Some information sourced from Mass.gov, Mapfre, and Progressive | Last updated September 2025

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

The cost of home insurance

Some information sourced from Mass.gov | Last updated September 2025

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.

See what our clients have to say.

  • Lisa G. (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!

  • Dr. B

    I have been using Nobile for cars since 1962 and homeowners since 1982. Staff is wonderful and service is fantastic.

  • Tenzin R.

    Team was very responsive and professional. I was able to save $800 on my auto policy. Would recommend Nobile Insurance!

  • Doug H.

    Our family has been with Nobile Insurance for as long as I can remember. In fact, we are second generation clients, and my children are third generation with Nobile. Their staff is extremely knowledgeable and always quick to go the extra mile to resolve any issues, even ones we have had with the RMV! They are the definition of friendly, fast customer service, and I would recommend them to anyone who needs homeowners or automobile insurance.

  • Dee N. (Verified Google Review)

    I’ve been a loyal customer of Nobile Insurance Agency for over 40 years, and that alone says a lot. Throughout the decades, they’ve consistently provided me with exceptional service, trusted advice, and peace of mind. Their team is knowledgeable, responsive, and genuinely cares about their clients. 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. I highly recommend them to anyone looking for reliability and integrity in an insurance agency.

  • M. Tramontozzi (Verified Google Review)

    Nobile has a team of knowledgeable agents who go the extra mile. With multiple cars and homeowners insurance policies, there are always questions, and the Nobile team is ready to get the answers and making sure we are properly covered. Having direct contact with the same people (instead of a customer service line where you never get the same person) reassures the value that the Nobile team brings to us and all their clients.

  • Doreen G. (Verified Google Review)

    I have been a long-time customer of Nobile Insurance Agency. It is a family-run business. I have always had excellent service from the agents that work there.

We’ll insure your business, too.

Visit Us

We have a location in the heart of the North End and one in Medford Square. Take your pick.

Medford Office

39 Salem Street
Medford, MA 02155

Boston Office

30 Prince Street
Boston, MA 02113

We’re open Monday through Friday from 9:00am to 4:00pm.

Medford

 

Boston

 

Feels like home with Nobile.

Home Insurance FAQs

  • 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.

    See more on discounts here.

  • 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.

  • Yes. We offer a full range of commercial products, including commercial property policies.

    Learn more about our commercial insurance offerings here.