Foley Palenscar Schortmann Insurance Agcy/norwood
601 High St, Dedham, MA 02026
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Dedham households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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601 High St, Dedham, MA 02026
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6 Allen Lane, Dedham, MA 02026
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437 High St, Dedham, MA 02026
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Learn about insurance coverage options specific to Dedham residents.
Dedham home insurance averages $1,595-$1,910/year. Learn about flood risks, historic home coverage, and why Norfolk & Dedham offers rates as low as $477.
Car InsuranceDedham auto insurance guide: new 2025 minimums, no-fault coverage, I-95 risks, and how to get the right protection for Norfolk County drivers.
General Insurance EducationComplete insurance guide for Dedham, MA residents. Learn about 2025 auto insurance changes, flood coverage needs, and protecting your assets in Norfolk County.
Yes, you should seriously consider it. Over 20% of flood claims come from properties outside high-risk flood zones. In Dedham, flooding can occur from rapid snowmelt, frozen ground that can't absorb spring rain, and overwhelmed drainage systems. FEMA updated Norfolk County's flood maps in June 2025, so areas that weren't previously at risk may now be in flood zones.
Most Dedham homeowners pay between $1,595 and $1,910 per year for standard coverage with $300,000 in dwelling limits and a $1,000 deductible. However, your actual cost depends on your home's age, construction type, location, claims history, and credit score. Newer homes typically cost about $900 less to insure than older properties.
Yes, standard homeowners policies cover most winter storm damage including wind damage, ice dams, roof damage from snow weight, and fallen trees. However, flooding caused by snowmelt is specifically excluded. You need a separate flood insurance policy to cover water damage from melting snow or heavy rain that overwhelms drainage systems.
Historic homes cost more to insure because replacement costs are higher. Period-appropriate materials, handcrafted woodwork, and specialized craftsmanship required to restore historic properties can cost significantly more than standard construction. Insurers base your premium on the cost to rebuild your home to its current condition, not on market value.
Norfolk & Dedham Mutual Fire Insurance offers some of the lowest rates in Massachusetts at $477 to $648 annually, making them very competitive. However, the "best" insurer depends on your specific situation. Compare coverage details, not just premiums—some cheaper policies have significant exclusions or lower coverage limits. Get quotes from at least three insurers before deciding.
You're likely underinsured. With Dedham home values ranging from $681,000 to over $900,000 and rising, many homeowners haven't updated their coverage limits. Your dwelling coverage should reflect current construction costs to rebuild your home, not market value. Review your policy annually and adjust your coverage as construction costs and home values change.
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