Everett & Sons Insurance Agency Inc
76 Weston Street, Route 20, Waltham, MA 02453
View this agency's profile to learn more about their services.
Loading...
City directory
Waltham 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.
76 Weston Street, Route 20, Waltham, MA 02453
View this agency's profile to learn more about their services.
76 Weston St, Waltham, MA 02453
View this agency's profile to learn more about their services.
271 Waverley Oaks Road, Suite 307, Waltham, MA 02452
View this agency's profile to learn more about their services.
50 Prospect St, Ste 2, Waltham, MA 02453
View this agency's profile to learn more about their services.
303 Wyman street, Suite 300, Waltham, MA 02451
View this agency's profile to learn more about their services.
303 Wyman St, Ste. 300, Waltham, MA 02451
View this agency's profile to learn more about their services.
230 2nd Ave, Suite 105, Waltham, MA 02451
View this agency's profile to learn more about their services.
230 Second Avenue, Suite 105, Waltham, MA 02451
View this agency's profile to learn more about their services.
318 Bear Hill Road, Suite 5, Waltham, MA 02451
View this agency's profile to learn more about their services.
50 Prospect Street, Waltham, MA 02453
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Waltham residents.
Waltham home insurance averages $1,700-$2,000/year. Learn about nor'easter coverage, historic home protection, and winter storm risks in Watch City.
Car InsuranceWaltham auto insurance requirements, costs, and Route 128 coverage tips. Learn about MA's 2025 minimum changes and find the best rates for your needs.
General Insurance EducationComplete insurance guide for Waltham residents. Learn about 2025 auto insurance changes, home coverage for $735K median homes, flood risks, and Route 128 commuter tips.
Most Waltham homeowners pay between $1,700 and $2,000 per year for home insurance, which is slightly below the national average but on the higher end for Massachusetts due to Waltham's location in the Greater Boston area. Your actual rate depends on your home's age, value, construction type, and coverage limits. Historic homes and properties with higher values typically cost more to insure.
Yes, standard home insurance covers most winter storm damage including wind damage, ice dams, frozen pipe bursts, and roof collapse from snow and ice weight. However, it won't cover flooding from snowmelt or ground-level water damage, which requires separate flood insurance. Make sure to maintain proper heat in your home during winter or your insurer may deny frozen pipe claims.
While not legally required, specialized coverage for historic homes is highly recommended in Waltham. Standard policies may not adequately cover the cost of period-appropriate materials and restoration work needed for older properties. Look for policies with replacement cost coverage rather than actual cash value, and consider insurers who specialize in historic properties to ensure you're not underinsured when repairs are needed.
If your home is in a designated flood plain near the Charles River, your mortgage lender will require flood insurance. Even if you're not in a flood zone, it's worth considering since standard home insurance doesn't cover flooding from any source including heavy rain, snowmelt, or ice dams. Flood insurance is relatively inexpensive if you're not in a high-risk area.
Actual cash value pays what your damaged property was worth at the time of loss, accounting for depreciation. Replacement cost coverage pays what it actually costs to repair or replace with similar materials, without depreciation. For Waltham's older homes with unique features and construction, replacement cost coverage is essential since period-appropriate materials and skilled restoration work cost significantly more than modern alternatives.
You can reduce your premiums by bundling home and auto insurance, increasing your deductible, installing security systems or storm shutters, updating old heating and electrical systems, and maintaining a good credit score. Also shop around annually since rates vary significantly between insurers. However, don't sacrifice necessary coverage just to save money—being underinsured costs far more in the long run.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network