The Norfolk & Dedham Group Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's The Norfolk & Dedham Group Insurance Score
4.25 Stars
We award The Norfolk & Dedham Group a final rating of 4.25 out of 5 stars. Norfolk & Dedham has been in the insurance industry for nearly two centuries, which is impressive for a carrier today.
Though coverage is only available in a few states, The Norfolk & Dedham Group provides a variety of insurance solutions for customers within those areas, offering both personal and business products. The carrier is highly rated by AM Best and the Better Business Bureau (BBB).
The Norfolk & Dedham Group was founded in 1825, giving the carrier nearly two centuries of experience in the insurance industry. The insurance company offers personal and commercial auto insurance, umbrella insurance, business owners policy insurance, and more. The carrier is headquartered in Dedham, Massachusetts.
Today, The Norfolk & Dedham Group offers coverage in Massachusetts, New Hampshire, and New Jersey. The carrier also works with more than 1,000 independent insurance agents. These agents provide customers with more personalized and comprehensive experiences while shopping for and maintaining their policies. Norfolk & Dedham also offers 24/7 claims reporting and a match with an agent service through its website.
Norfolk & Dedham proved to have highly affordable auto and home insurance rates in Massachusetts when compared to other carriers. Additionally, there are many glowing customer reviews easily spotted across the web. So, our final verdict is that, if you're located in an area where coverage is available, we highly recommend looking into The Norfolk & Dedham Group with your independent insurance agent to be your next trusted carrier.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Norfolk & Dedham Insurance Products by Type
The Norfolk & Dedham Group offers a variety of coverage solutions for individuals and businesses. The carrier's products include:
Commercial Insurance:
- Business owners policy insurance
- Commercial package insurance
- Commercial auto insurance
- Commercial umbrella insurance
- Commercial flood insurance
- Workers' compensation insurance
- Contractors insurance
- Cyber risk insurance
- Employment practices liability insurance
- Pollution liability insurance
Personal Insurance:
- Car insurance
- Homeowners insurance
- Dwelling fire insurance
- Jewelry, fine arts, & valuables insurance
- Personal umbrella insurance
Norfolk & Dedham Personal Auto Insurance
Norfolk & Dedham offers all the car insurance coverage you need to assemble a full coverage policy. The carrier also offers protection for airbags, child safety seats, customized equipment, new vehicles, pet injuries, substitute transportation, and towing and labor coverage.
N&D Group also offers gap insurance, which can pay the difference between the amount owed on a loan or lease and the vehicle's current value (factoring depreciation) after a covered total loss.
Norfolk & Dedham Personal Auto Insurance Average Prices
Norfolk & Dedham sells some of the cheapest car insurance in Massachusetts. The average cost of a full coverage car insurance policy in Massachusetts is $1,832 annually, and a minimum coverage auto policy averages $483.
N&D Group's average rates of $1,687 for full coverage and $141 for minimum coverage are quite a bit cheaper than average. Here are some of the cheapest car insurance companies in Massachusetts and how they compare.
Cheapest Car Insurance Companies in Massachusetts Average Annual Rates
| Car Insurance Company | Full Coverage Premium | Minimum Coverage Premium |
|---|---|---|
| Plymouth Rock | $1,202 | $100 |
| Norfolk & Dedham | $1,687 | $141 |
| Vermont Mutual | $1,950 | $162 |
| Progressive | $2,004 | $167 |
Of all the auto insurance companies we studied, N&D Group's average car insurance premiums were the second cheapest in the state.
Methodology
Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.
Norfolk & Dedham Homeowners Insurance
N&D Group's homeowners insurance policies include the standard coverages along with some bonus options for an additional premium. The carrier's home insurance policies can also cover apartments and condos, home computers, home systems, host liquor liability, identity theft, and personal cyber protection.
Norfolk & Dedham Homeowners Insurance Average Prices
Norfolk & Dedham is the cheapest home insurance company in Massachusetts of all the carriers we studied. N&D Group's average home insurance policies with $350,000 in dwelling coverage cost just $477 per year, which falls well below the current state average of $1,777 per year with the same amount of protection.
Here are some of the cheapest home insurance companies in Massachusetts and how they compare.
Cheapest Home Insurance Companies in Massachusetts Average Annual Rates
| Home Insurance Company | Average Annual Premium |
|---|---|
| Norfolk & Dedham | $477 |
| Quincy Mutual | $819 |
| Vermont Mutual | $1,055 |
| The Andover Companies | $1,173 |
| Arbella | $1,233 |
These average rates are based on home insurance policies with $350,000 in dwelling protection. Of all the home insurance companies we observed, N&D Group had the cheapest average rates in Massachusetts.
What Discounts Does Norfolk & Dedham Offer?
The Norfolk & Dedham Group offers many competitive discounts on their coverages, especially for auto insurance. These discounts include:
- Good student discount: Offered to auto insurance customers who are young drivers and do well in school.
- Hybrid vehicle discount: Offered to auto insurance customers who purchase and insure a hybrid vehicle.
- Advanced driver training discount: Offered to auto insurance customers who complete a state-approved driver safety course.
- Paperless discount: Offered to auto insurance customers who enroll in paperless billing and policy statements.
- Full pay discount: Offered to auto insurance customers who opt to pay their entire annual premiums in full.
Your independent insurance agent can help you find even more information on discounts offered by Norfolk & Dedham and other ways to save money through the insurance company, helping you find the coverage you need at the rate you deserve.
The Norfolk & Dedham Group Customer Service
The Norfolk & Dedham Group allows customers to file claims over the phone at any time. The carrier provides the following customer service options and availability:
- 24/7 phone claims reporting
- Snail mail
- Text claims reporting
- Online bill pay
The customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 5 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.
Connect with a Norfolk & Dedham Agent Today.
Shopping for insurance? Norfolk & Dedham has you covered.
The Norfolk & Dedham Group Insurance FAQs
The Norfolk & Dedham Group allows customers to file claims at any time online, by text, or over the phone. However, the official website does not specify a claims response time frame.
The Norfolk & Dedham Group’s phone line for customer service issues is available during restricted hours on weekdays. The insurance company allows customers to file claims through multiple mediums at any time. The carrier also has an active social media presence on Facebook, X, and LinkedIn, which makes it more accessible to customers.
The Norfolk & Dedham Group encourages customers to file claims through their independent insurance agents first, but it also provides 24/7 phone claims reporting services. The insurance company’s official website, however, does not outline a specific claims process beyond how to file. If customers have questions about the claims process, they can reach out to their independent insurance agent or contact the carrier directly.
The Norfolk & Dedham Group’s website is easy to navigate. However, the Norfolk & Dedham Group’s website would benefit from adding a detailed claims process and claims response time frame, as well as more information about its coverage.
The insurance company offers several modern customer service options, such as getting matched to an agent through the website. The carrier also works with independent insurance agents to ensure their customers have the best insurance experience possible. The Norfolk & Dedham Group has a presence on social media, overall making for a fairly user-friendly experience.
The Norfolk & Dedham Group provides a good selection of coverages for individuals and businesses, including homeowners insurance. The carrier’s homeowners insurance policies provide the standard coverages offered by most insurance companies, in addition to the following unique features:
- Home computer coverage
- Home systems protection
- Identity theft coverage and protection
- Personal injury protection
- Personal cyber protection
Your independent insurance agent can help you find even more information about The Norfolk & Dedham Group’s homeowners insurance, as well as their many other coverages.
The Norfolk & Dedham Group has been around for nearly two centuries. The insurance company is highly rated by AM Best and the BBB.
The Norfolk & Dedham Group also provides a large selection of coverage options for individuals and businesses. The carrier delivers a user-friendly experience for its customers and works with independent insurance agents. Overall, The Norfolk & Dedham Group can indeed be considered a good insurance company.
Norfolk & Dedham's insurance products may be right for individuals or professionals seeking auto, home, and business insurance coverage. Policies are only available in Massachusetts, New Hampshire, and New Jersey.
https://www.ndgroup.com/
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=2367&AltNum=20352367&AltSrc=3
https://www.bbb.org/us/ma/dedham/profile/insurance-companies/the-norfolk-dedham-group-0021-14437
https://www.bankrate.com/insurance/car/cheapest-car-insurance-in-massachusetts/
https://www.valuepenguin.com/best-cheap-homeowners-insurance-massachusetts