I'm in Maine, which is priced similarly to Mass, and I pay about $1200 for $800k replacement value, no flood insurance, not directly on the coast (3 miles inland), $1k deductible, but my house is only a few years old (there is a discount on there for that).

$160k dwelling coverage for anything in Mass. sounds really low unless that is a tiny house (smaller than 1000 sf). A house is often more to replace than it is worth at sale.

Thanks, Sue -- this is extremely helpful. I'm going to spend the weekend doing some more research and hopefully I'll get some more responses here. My house is very small -- just about 1,000 sf. I might up the replacement coverage though as one insurance company recommended this as well.

Thank you again so much and I hope you have a great weekend!

Make sure that you are comparing apples to apples with each company. That is the only way to make a real comparison.