Waltham Insurance Rates:

Waltham, MA homeowners insurance is approximately $913 to $1,238, about $76-$103/month. Our extensive analysis reveals consumers can save as much as $430 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
I like that my local office likes to handle financial matters personally. recently i wanted to change payment dates and they handled it there.
Progressive
I think their prices are a bit higher than industry-average even after i bundle my rates, which to me, seems a bit odd.
Homesite Insurance
After filing a claim for water damage, the claims adjuster was very difficult to get ahold of for follow up questions.
State Farm
There are cheaper options, but state farm is a stable insurance company, I have had good experience with them on my auto policy, and is worth the small extra cost.
Aaa
Payment options are nice to get a money. Genuine business b/w the customers. The claim process is easiest one compared to other companies.
Travelers
USAA is an exceptional company providing multiple services at a very good price point. I am very pleased with my interactions with them over many years
Prudential
Simple process to join, overall the website is sufficient. I have heard good things about the company but I have not had to interact with them myself. I have been given positive feedback from my insurance agent who has worked with Fed Nat on multiple occasions and I very much trust my agent.

Waltham, MA Homeowners Insurance By Home Value

Waltham, MA Home Value Total Homes % of Total Average Waltham, MA Homeowners Insurance
Less than $50,000 125 2.0% $64
$50,000 to $59,999 57 1.0% $129
$100,000 to $124,999 76 1.0% $279
$150,000 to $174,999 117 2.0% $419
$175,000 to $199,999 136 2.0% $483
$200,000 to $249,999 434 8.0% $591
$250,000 to $299,999 622 11.0% $720
$300,000 to $399,999 3,788 69.0% $913

Top Home Insurance Agents Near Waltham, MA

Home Insurance Company Near Waltham, MA Homeowners Insurance Agency Near Waltham, MA Address
NA D Francis Murphy Insurance Agency 50 Main Street, Hudson, MA, 1749
NA Ian Insurance Agency Inc. 255 Park Ave Ste 1000, Worcester, MA, 1609
NA Robert E Austin Insurance Agency 454 Washington St, Norwell, MA, 2061
Travelers Bearce Ins Agency Inc 670 PLEASANT ST, BROCKTON, MA, 2301
Allstate Gerardi Insurance Service Inc 16 Pomfret St, Putnam, CT, 6260

Cost Of Homeowners Insurance By Street Near Waltham, MA

Streets in Waltham Area Homeowners Insurance Cost
Hardy Pond Rd, Galen St, Candace Ave, Ridge Ln, Gilman Rd, Boland St, Hobbs Brook Rd, Marguerite Ave, Brennan Ave, Old South St$1,090
Nathan Rd, Fremont Ter, Beaver Brook Rd, Craven Cir, Woodchester Rd, Partridge Cir, Piedmont Ave, Sanders Ln, Robert Treat Paine Dr, Fairfax Rd$1,082
Amherst Ave, Milo St, Stow St, Roseanna Park Dr, Angleside Rd, Mokema Ave, County Sanatorium, Dobbins St, Barnes St, Weston St$1,069
Hollace St, Lowell Pl, Hovey Rd, Lord St, Wimbledon Cir, Bartlett Way, Prospect Hill Rd, Edge Hill Rd, Prentice St, Hickory Dr$1,071
Humboldt St, Middlesex Cir, Brigham Rd, Gibbs Ct, Cedar Hill Ln, Shakespeare Rd, McKenn St, Randall St, Massasoit St, Banford Way$1,091

Waltham, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waltham$160 to $163
Belmont$172
Watertown Town$162
Weston$189

Waltham, MA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Belmont CDP, Massachusetts $172 $229 $344
Watertown Town city, Massachusetts $162 $216 $324
Weston town, Middlesex County, Massachusetts $189 $252 $378

Waltham, MA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Waltham, MA3.9%12.2%
Belmont3.02%9.55%
Watertown Town3.76%11.05%
Weston2.63%10.52%

Waltham Renters Insurance as a Percentage of Rent

Waltham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 200 1.0% $789
$300 to $499 700 5.0% $1239
$500 to $749 572 4.0% $1914
$750 to $999 1,390 11.0% $2664
$1,000 to $1,499 4,157 35.0% $3789
$1,500 or more 4,611 39.0% $5439

Waltham, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Waltham Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $10,700$9,700
Net Savings to Waltham Home Owner from High Deductible Plan $1,000

Waltham, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waltham, MA Home Replacement Value MORE than Home Value Waltham, MA Home Replacement Value LESS than Home Value
Replacement Value $560,000 $330,000
Insurance Premium based on Replacement Value $4,300 $2,550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $104,000 Risk Exposure from Under Insuring Coverage is $126,000
Premium Impact Insurance cheaper by $950/year Insurance costlier by $800/year

Example Waltham Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceState Farm
Monthly Premium 290160180
Year Built 196919771943
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $350000-$400000$400000-$500000$350000-$400000
Deductible $500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Waltham, MA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 490,000 Shingles Roof 2,220 4 $500- $1000 Deductible 320 1 Wood siding yes
1943 590,000 Slate Shingles Roof 2,510 4 > $10,000 Deductible 2070 7 Wood siding No
1974 295,000 Asphalt Shingles Roof 1,290 3 $2500-$5000 Deductible 490 4 Stucco siding No
1940 245,000 Membrane Roof 1,050 2 $1000-$2500 Deductible 1220 10 Stucco siding yes
1962 385,000 Metal Roof 1,770 4 $1000-$2500 Deductible 1580 6 Brick siding yes
1961 455,000 Slate Shingles Roof 2,290 3 $2500-$5000 Deductible 430 2 Stucco siding No
1949 340,000 Tile Roof 1,640 2 $2500-$5000 Deductible 700 4 Vinyl siding yes
1963 565,000 Metal Roof 2,480 4 $500 Deductible 3000 10 Wood siding No
1963 225,000 Slate Shingles Roof 970 2 $500 Deductible 360 2 Stucco siding No
1948 270,000 Tile Roof 1,300 2 $5000 to $10,000 Deductible 950 7 Fiber-Cement Siding yes
1970 250,000 Metal Roof 1,510 2 $5000 to $10,000 Deductible 310 3 Wood siding No
1948 560,000 Slate Shingles Roof 2,480 4 $500 Deductible 4280 12 Fiber-Cement Siding yes
1942 580,000 Metal Roof 3,270 4 > $10,000 Deductible 640 3 Stone Siding No
1944 270,000 Composition Roof 1,330 2 > $10,000 Deductible 210 2 Stucco siding yes
1971 630,000 Membrane Roof 3,120 4 $500 Deductible 1310 3 Vinyl siding yes
1967 685,000 Tile Roof 2,980 4 $2500-$5000 Deductible 1120 4 Brick siding yes
1964 255,000 Slate Shingles Roof 1,530 3 $1000-$2500 Deductible 940 8 Brick siding yes
1977 380,000 Composition Roof 1,670 2 $2500-$5000 Deductible 250 1 Brick siding No
1975 315,000 Metal Roof 1,470 3 $2500-$5000 Deductible 1690 10 Fiber-Cement Siding yes
1970 450,000 Wood Shake Roof 1,990 4 $500- $1000 Deductible 450 2 Fiber-Cement Siding No
1965 295,000 Shingles Roof 1,730 2 $500- $1000 Deductible 530 3 Brick siding No
1946 410,000 Metal Roof 1,760 3 $1000-$2500 Deductible 3710 12 Vinyl siding No
1944 255,000 Tile Roof 1,430 2 $1000-$2500 Deductible 1450 8 Brick siding yes
1976 250,000 Asphalt Shingles Roof 1,360 3 $500 Deductible 410 3 Brick siding No
1972 560,000 Composition Roof 2,490 4 $500- $1000 Deductible 1200 3 Vinyl siding yes
1943 410,000 Wood Shake Roof 2,220 3 > $10,000 Deductible 1370 9 Stone Siding yes
1965 415,000 Composition Roof 1,930 4 $500 Deductible 1290 5 Fiber-Cement Siding No
1979 460,000 Slate Shingles Roof 2,610 4 > $10,000 Deductible 1060 7 Stone Siding yes
1962 490,000 Composition Roof 2,330 3 > $10,000 Deductible 180 1 Wood siding No
1947 485,000 Shingles Roof 2,150 3 $5000 to $10,000 Deductible 490 2 Brick siding yes
1974 335,000 Wood Shake Roof 1,730 3 $1000-$2500 Deductible 300 2 Fiber-Cement Siding No