How much is renters insurance in Norfolk, Massachusetts

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Renters insurance in Norfolk, Massachusetts averages $213 annually – $16 less than the state average of $229 per year.

A standard renters insurance policy covers your personal belongings against fire, smoke, theft, and vandalism. It also provides liability protection if you’re held responsible for injuring someone or damaging their property.

Factors like your ZIP code, deductible, coverage limits, insurer, and eligible discounts all play a role in determining your final rate.

How to get the best deal for renters insurance in Norfolk

Request quotes from at least three different insurers – pricing varies significantly, and the savings from switching can reach hundreds of dollars a year.
Combine your renters policy with your auto or another insurance policy at the same company to qualify for a bundling discount.
Consider raising your deductible from $500 to $1,000 – it can reduce your annual premium by $12.
Inquire about discounts for home safety features like deadbolts, smoke alarms, or a monitored security system.
Opt to pay your premium annually rather than monthly – most insurers reward this with a lower rate.

What is the average cost of renters insurance per month in Norfolk?

Monthly renters insurance costs in Norfolk depend on your provider and how much coverage you carry. For a policy with $20,000 in personal property coverage and a $1,000 deductible, the average monthly rate is $12.

Upgrading to $40,000 in personal property coverage adds approximately $6 more per month, putting the average premium at $18. That figure covers $40,000 in personal property protection, $100,000 in liability coverage, and a $1,000 deductible – $1 less than the state monthly average of $19.

Key takeaways

Renters insurance protects your personal belongings and provides liability coverage within your rental
The average annual cost of renters insurance in Norfolk is $213
State Farm has the most competitive rates in the city
Your premium is influenced by your insurer, coverage limits, ZIP code, and available discounts
If you own valuable items like jewelry, electronics, or furniture, higher coverage limits are worth considering

How much is renters insurance in Norfolk? Rates by deductible

For a policy with $20,000 in personal property coverage and a $500 deductible, renters in Norfolk pay an average of $154 per year.

Your deductible is the share of a claim you cover before your insurer pays the rest. It’s also one of the most direct levers for controlling your premium – raising it from $500 to $1,000 can knock $12 off your annual cost.

The table below shows how premiums change across different personal property coverage amounts and deductible levels.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$154	$234	$318
1000	$142	$213	$289

Who offers affordable renters insurance in Norfolk?

State Farm tops the list for affordability in Norfolk, coming in at $111 per year or $9 monthly. Travelers holds the second spot, with Andover Insurance rounding out the top three.

The table below compares average annual and monthly premiums from the most affordable renters insurance providers in Norfolk.

Renter insurance provider	Average annual rate	Average per month rate
State Farm	$111	$9
Travelers	$144	$12
Andover Insurance	$184	$15
Amica	$203	$17
Vermont Mutual	$222	$18
Mapfre Insurance	$233	$19
Allstate	$237	$20
Arbella Insurance	$282	$24
Safety Insurance	$282	$24

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Grouping your renters policy with your auto or other insurance at the same company can lower what you pay across the board.
Increase your deductible. Choosing a higher deductible brings your premium down immediately – just be certain the amount is something you could manage out of pocket following a claim.
Choose the right coverage amount. Revisit your coverage limits annually. If your personal belongings haven’t grown in value, you may be spending more on personal property coverage than necessary.
Avoid filing small claims. Repeated small claims can cause your rates to climb faster than one large claim would. For minor incidents, absorbing the cost yourself often makes more financial sense.
Improve your credit score. Credit scores influence insurance pricing in most states – a higher score is one of the clearest ways to bring your premium down over time.
Compare quotes every renewal. Rates evolve year to year, and loyalty doesn’t always pay. Setting aside 30 minutes to shop around at renewal can save you a meaningful amount annually.

Renters insurance replaces belongings that are stolen or damaged, and covers your financial exposure when you’re liable for someone else’s loss. Comparing providers and claiming every discount you qualify for are the most reliable ways to keep your premium in check.

Frequently asked questions

Is renters insurance required in Norfolk?

No state law requires it, but individual landlords often do. Beyond lease requirements, it’s a practical safeguard – it protects your belongings and covers you if someone is injured in your home.

What does renters insurance cover?

Renters insurance covers personal belongings damaged or stolen in a covered event, liability costs if you’re found responsible for injury or property damage, and temporary accommodation expenses if your rental becomes uninhabitable.

How much renters insurance do I need?

Start with enough to fully replace your possessions. If you own high-value items – electronics, jewelry, or specialty equipment – consider bumping up your limits or adding scheduled coverage for individual items.

Who has the cheapest renters insurance in Norfolk?

State Farm has the lowest average rates in Norfolk, coming in at $9 per month.

Methodology

Insure.com partnered with Quadrant Information Services to collect renters insurance rate data for Norfolk, based on a policy with $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. All rates correspond to a good credit tier profile.

How much is renters insurance in other cities?

See rates in your city

Boston

Milton

Worcester

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.