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Franklin County, MA Homeowners Insurance Quotes

Are you shopping online for home insurance in Franklin County MA? We have the most affordable premiums and coverage options available at GetHomeInsuranceQuotes.com, where we provide up to 12 quotes to review and compare from the most top rated home insurance companies. Our Franklin County agents have over 20+ years of insurance consulting and professional experience to help you get answers to any questions that you may have about which coverage option is best for you and your family.

Protecting your home in Massachusetts from hurricanes, lightning and fires is important to every homeowner. But that's not all your home insurance policy can offer. We have a variety of coverage options to choose from to make sure your home and family are properly covered. Start your home insurance quotes online now by entering your zip code above or call the number on the right to speak with a licensed home insurance agent today!

More about premiums in Franklin County

Franklin County, MA homeowners are now averaging around $138.92 per month for a basic home insurance policy. For Massachusetts, this amounts to $1667 per year for a standard (HO-3) homeowners insurance policy for residents living in Franklin County, MA. In comparison, the national average for home insurance rates is around 1,249 per year. Massachusetts is now ranked #8 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Franklin County, MA so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience.

For all Franklin County, MA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Franklin County? Simply enter your zip code to get your Massachusetts homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Franklin County, MA Housing Demographics

With 71,372 residents living within the Franklin County area there are over 33,758 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 18,317 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Franklin County.

DemographicValues
Total Occupied Households30,462
Family Households (families)18,317
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units33,758

Franklin County, MA Home Insurance Average Premiums

Local Franklin, MA homeowners insurance quotes comparison

$1,211 /yr.

Massachusetts's Average Home Insurance Rates Overall

For the state of Massachusetts, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 8 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$759 /yr.
Current Average Cost:$1,211 /yr.
Maximum Range:$1667 /yr.

Massachusetts Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

Discounts For Homeowners in Franklin County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Massachusetts homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Franklin County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Franklin County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Franklin County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Franklin County Housing & Real Estate Data

Details:Statistics
Total Housing Units33758
Occupied Housing Units30462
Vacant Housing Units3296
Vacant Housing Units for Rent511
Vacant Housing Units Rented Not Occupied54
Vacant Housing Units For Sale342
Vacant Housing Units Sold Not Occupied83
Vacant Housing Units For Seasonal Occasional Use1453
Vacant Housing Units All Other Vacants853
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent5
Housing Tenure Occupied Units30462
Housing Tenure Occupied Units Owner Occupied20987
Housing Tenure Occupied Units Owner Occupied Population51023
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied9475
Housing Tenure Occupied Units Renter Occupied Population18868
Housing Tenure Occupied Units Renter Occupied Average Household Size2