Ashley & Associates Insurance
834 Widgeon Rd, Norfolk, VA 23513
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Norfolk households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
834 Widgeon Rd, Norfolk, VA 23513
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403 Boush St, Ste 300, Norfolk, VA 23510
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249 E Little Creek Rd, Suite 101, Norfolk, VA 23505
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3 Commercial Place, Suite 1000, Norfolk, VA 23510
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Learn about insurance coverage options specific to Norfolk residents.
Complete insurance guide for Norfolk, Nebraska covering auto requirements, home insurance costs, flood risks from the Elkhorn River, and local agencies.
General Insurance EducationNorfolk insurance costs more due to coastal risks. Learn about auto rates ($110/mo avg), flood requirements, and how to save on coverage in Hampton Roads.
Home InsuranceNorfolk, NE homeowners pay $6,277/year for insurance due to tornado risk and Elkhorn River flooding. Compare rates, understand coverage needs, and save.
Home InsuranceNorfolk home insurance averages $2,678/year due to coastal risks. Learn about flood coverage, military housing options, and ways to save on premiums.
Car InsuranceNorfolk auto insurance now requires 50/100/25 coverage. Average cost is $176/month. Learn about Virginia's at-fault system and military discounts.
Car InsuranceNorfolk, Nebraska auto insurance guide: understand at-fault rules, 25/50/25 minimums, coverage for US-275/US-81 drivers, and how to save on premiums.
No, standard homeowners insurance policies do not cover flood damage. Given Norfolk's history of Elkhorn River flooding—including major evacuations in 2019 and 2010—you need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Even if you're not in a designated flood zone, flood coverage is worth considering in Norfolk.
Nebraska ranks as the fifth most expensive state for homeowners insurance because it sits in 'Hail Alley' where severe hailstorms regularly cause widespread property damage. Insurance companies pay out massive claims for damaged roofs and siding, which drives up premiums for all policyholders. Nebraska's average annual premium of $6,277 is 81% above the national average.
Nebraska requires 25/50/25 liability coverage, meaning $25,000 per person for injuries, $50,000 total per accident for injuries, and $25,000 for property damage. You also need uninsured/underinsured motorist coverage at 25/50 limits. While this meets legal requirements, most experts recommend higher limits like 100/300/100 for better protection.
Full coverage auto insurance in Norfolk averages around $161 per month or $1,929 annually, which is relatively affordable compared to many other states. Minimum coverage drops to approximately $39-116 per month. Your actual rate depends on factors like your driving record, credit score, age, and vehicle type.
Both approaches have benefits. Local agents understand Norfolk's specific risks like Elkhorn River flooding and hail patterns, plus they provide personal service when filing claims. However, you should still compare quotes from multiple sources—both local agencies and national carriers—since rates vary significantly even for identical coverage.
Bundle your home and auto insurance for discounts of 15-25%, raise your deductible if you can afford higher out-of-pocket costs, install security systems or impact-resistant roofing, and maintain a claims-free history. Also consider a separate wind/hail deductible, which often reduces premiums given Nebraska's severe weather patterns.
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