There are a number of factors that make Massachusetts's auto and homeowner's insurance unique to Massachusetts.

Massachusetts Auto Insurance

Massachusetts's financial responsiblity law requires drivers to maintain 20/40/5 liability coverage. This means that the driver must carry $20,000 worth of per person bodily injury coverage, $40,000 worth of per accident bodily injury coverage, and $5,000 worth of property damage coverage.

Moreover, Massachusetts is a "no-fault" state. Thus, if you have an accident for which you aren't at-fault, your own insurance must pay for your medical bills. The "no-fault" part comes from the fact that even though someone caused the accident, your own carrier must pick up the ambulance, hospital, rehabilitation, etc. costs.

Massachusetts Homeowner's Insurance

Homeowner's insurance can be expensive in Massachusetts. Government statistics show that Massachusetts ranks number 8 out of all states for the cost of homeowner's insurance. This makes is particularly important that homeowners in Massachusetts receive the best price possible on homeowner's insurance.