Waltham, MA Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
State FarmI like that my local office likes to handle financial matters personally. recently i wanted to change payment dates and they handled it there.
ProgressiveI think their prices are a bit higher than industry-average even after i bundle my rates, which to me, seems a bit odd.
Homesite InsuranceAfter filing a claim for water damage, the claims adjuster was very difficult to get ahold of for follow up questions.
State FarmThere 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.
AaaPayment options are nice to get a money. Genuine business b/w the customers. The claim process is easiest one compared to other companies.
TravelersUSAA 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
PrudentialSimple 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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Waltham, MA | 3.9% | 12.2% |
| Belmont | 3.02% | 9.55% |
| Watertown Town | 3.76% | 11.05% |
| Weston | 2.63% | 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 Deductible | High 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 | Allstate | Chubb Group of Insurance | State Farm |
| Monthly Premium | 290 | 160 | 180 |
| Year Built | 1969 | 1977 | 1943 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 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 |