How much is homeowners insurance in Norfolk, Massachusetts?

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In Norfolk, homeowners pay an average annual rate of $1,451 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $1,053 less than the national average of $2,504 .

Homeowners insurance premiums can vary significantly from one property to another. In Norfolk, the cost of home insurance is influenced by several factors, including:

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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Norfolk, home insurance costs for different dwelling coverage, and which companies offer cheap 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

As per rate analysis by Insure.com, homeowners residing in Norfolk typically pay an average of $1,451 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $294 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, 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

Living in Massachusetts comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

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

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

TIP

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

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.

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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.