Austin Insurance Agency
316 Washington Street, Unit 1, Norwell, MA 02061
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316 Washington Street, Unit 1, Norwell, MA 02061
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316 Washington Street, Unit 1, Norwell, MA 02061
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200 Cordwainer Drive, Suite 300, Norwell, MA 02061
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80 Washington St. F-32, Norwell, MA 02061
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80 Washington St, Suite F-32, Norwell, MA 02061
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145 Washington St, Norwell, MA 02061
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600 Longwater Drive, Suite 107, Norwell, MA 02061
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600 Longwater Dr, Ste. 107, Norwell, MA 02061
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Learn about insurance coverage options specific to Norwell residents.
Norwell home insurance guide for 2025. Learn about costs for $1M+ homes, nor'easter coverage, flood insurance needs, and high-value property protection.
Car InsuranceNorwell auto insurance guide: understand MA's new 25/50/30 minimums effective July 2025, local rate factors, and how to save with 10+ agencies.
Car InsuranceWhat Norwell drivers pay for car insurance in 2025. Learn about MA's no-fault PIP coverage, new minimums, Route 3 commuting impact, and ways to save.
General Insurance EducationComplete insurance guide for Norwell residents covering 2025 auto requirement changes, South Shore homeowners risks, and flood coverage needs.
While the Massachusetts average is around $2,432 annually in 2025, Norwell homeowners typically pay significantly more due to the town's high property values. With median home values exceeding $1 million, you'll need higher dwelling coverage limits, which directly increases your premium. Your exact cost depends on your home's value, age, construction type, deductibles, and coverage selections.
Yes, standard homeowners insurance covers wind damage from nor'easters, including roof damage, siding damage, and fallen trees. However, many coastal Massachusetts policies include a separate hurricane or windstorm deductible of 1-5% of your dwelling coverage. This means on a $1 million home with a 2% deductible, you'd pay the first $20,000 of storm damage out-of-pocket. Flood damage from nor'easters requires separate flood insurance.
If your home is in a FEMA Special Flood Hazard Area and you have a federally-backed mortgage, flood insurance is required. Even if it's not mandatory, properties near the North River face both riverine and coastal flood risks, especially with rising sea levels and increasing storm intensity. Flood insurance through the NFIP averages $1,142 annually in Massachusetts and is not included in standard homeowners policies, which exclude all flood damage.
Market value is what your home would sell for, including the land. Replacement cost is what it would cost to rebuild your home from scratch at today's construction prices, excluding land value. For insurance purposes, you need replacement cost coverage, which may be higher or lower than market value. In Norwell's high-value market, it's critical to insure for accurate replacement costs, not just the purchase price.
Yes, Massachusetts homeowners policies typically cover damage from ice dams when water enters through the roof and damages your home's interior. They also cover roof collapse from the weight of ice and snow. However, you must maintain your property reasonably—if neglected maintenance contributed to the damage, your claim could be denied. Prevention through proper attic insulation and ventilation is still your best strategy.
Extended replacement cost coverage, which pays 125-150% of your dwelling limit if rebuilding costs exceed your policy amount, is highly recommended for Norwell's high-value homes. After major storms, construction material costs spike and contractor availability becomes scarce. This extra coverage cushion ensures you can fully rebuild even if costs run over, which is especially valuable given Norwell's quality construction standards and high-end finishes.
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