How much is homeowners insurance in Norfolk, Massachusetts?

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.

Our data shows that the average cost of homeowners insurance in Norfolk is $1,451 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $1,053 less than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Norfolk depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Andover Insurance is the cheapest homeowners insurance company in Norfolk with an average annual premium of $838 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Norfolk. Keep reading to learn about the monthly cost of homeowners insurance in Norfolk, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Norfolk.

Key Takeaways

The average cost of homeowners insurance in Norfolk is $1,451 per year.
Andover Insurance is the cheapest homeowners insurance company in Norfolk with an average annual premium of $838 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $294 more a year for home insurance.

How much is homeowners insurance in Norfolk per month

Residents of Norfolk pay an average of $121 a month for homeowners insurance. It’s $14 less than the state average of $135 and $88 less than the national average for home insurance across the nation.

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, resulting in costlier 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

Homeowners in Norfolk typically pay an average of $1,451 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $294 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Norfolk by company

Among the carriers we analyzed, Andover Insurance is the most affordable homeowners insurance company in Norfolk, offering an average annual rate of $838 , while Heritage Insurance Holdings ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Norfolk and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Norfolk and what you can expect to pay with each one on average.

Home insurance company	Annual rate
Andover Insurance	$838
Heritage Insurance Holdings	$994
Travelers	$1,126
Vermont Mutual	$1,147
State Farm	$1,204
Arbella Insurance	$1,451
Safety Insurance	$1,589
Mapfre Insurance	$1,607
Allstate	$1,712
Amica Mutual	$2,336
USAA*	$1,625

*USAA is only available to military community members and their families.

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Massachusetts that can impact your home insurance

Natural disasters are a part of life in Massachusetts, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Massachusetts is commonly affected by Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

TIP

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Norfolk for $300,000 dwelling coverage and $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 cities?

See rates in your city

Shivani Gite

Contributing 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.