Home Home insurance Average home insurance cost Massachusetts Norfolk, MA How much is homeowners insurance in Norfolk, MA Homeowners insurance typically costs $1,451 annually in Norfolk, according to Insure.com’s rate analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Norfolk, homeowners pay an average annual rate of $1,451 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,053 less than the national average of $2,504. Homeowners insurance rates change from one home to another. The home insurance premium in Norfolk depends on various factors, such as: Size of your home Age of your home Amount of coverage you need Location Your credit score To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements. Read this guide to learn how much homeowners insurance costs monthly in Norfolk, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Norfolk. Key Takeaways In Norfolk, homeowners insurance costs $1,451 annually.Andover Insurance offers the most affordable homeowners insurance in Norfolk with an average annual premium of $838.If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $294 higher. How much is homeowners insurance in Norfolk per month Residents of Norfolk pay an average of $121 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $14 less than the state average of $135 and $88 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Norfolk may change based on location, property value, and selected coverage options. How much is homeowners insurance for a $200,000 house in Norfolk In Norfolk, MA, homeowners pay an average of $1,157 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality. Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance. How much is homeowners insurance for a $300,000 house in Norfolk Based on a rate analysis conducted by Insure.com, Norfolk residents pay an average of $1,451 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $294 per year for home insurance. Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area. How much is homeowners insurance in Norfolk by company After evaluating several carriers, Andover Insurance is the least expensive homeowners insurance provider in Norfolk. It’s average annual rate for homeowners in Norfolk is $838, while Heritage Insurance Holdings holds the second position. Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Norfolk and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Norfolk and their average annual premiums. Home insurance company Annual rate Andover Insurance$838Heritage Insurance Holdings$994Travelers$1,126Vermont Mutual$1,147State Farm$1,204Arbella Insurance$1,451Safety Insurance$1,589Mapfre Insurance$1,607Allstate$1,712Amica Mutual$2,336USAA*$1,625 TIPBundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management. Common natural disasters in Massachusetts that may affect home insuranceLiving in Massachusetts comes with its unique challenges, particularly when it comes to the risk of natural disasters. These events can cause significant damage to homes and property, leading to potential insurance claims. Understanding which natural disasters are common in your area can help you make an informed decision when choosing your home insurance policy.Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding are some of the common natural disasters in Massachusetts that may affect your home insurance rates.How home insurance protects you against natural disastersHome insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks. Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Norfolk for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesBostonLeedsMiltonRichmondRochdaleSpringfieldTewksburyWilmingtonWorcesterShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? 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By Nupur Gambhir Homeowners insurance rates by state in 2025 By Jake Safane The 10 costliest wildfires By Zack Sigel On this page How much is homeowners insurance in Norfolk per month How much is homeowners insurance for a $200,000 house in Norfolk How much is homeowners insurance for a $300,000 house in Norfolk How much is homeowners insurance in Norfolk by company Common natural disasters in Massachusetts that may affect home insuranceHow home insurance protects you against natural disasters Methodology ZIP Code Please enter valid ZIP See rates