- Auto InsuranceAt H&K Insurance, we protect your automobile by offering a combination of broad protection that you can trust, affordable rates, and outstanding service. Our Automobile Insurance Policies offer protection for your vehicle, as well as personal injury protection, bodily injury to others, uninsured motorists, property damage, medical payments, collision, comprehensive, towing and labor, and rental car.
- Golf Cart InsuranceOwn a golf course? How’s your insurance? Golf courses have special liabilities that require specialty coverages. Coverage for your directors, officer, and employees. Liability from intoxicated customers to the herbicides and machinery you use to apply it. Golf cart insurance. Learn the eight you need to have for your nine (or your eighteen). read more »
- Renters InsuranceRenters insurance is relatively cheap and can insure thousands of dollars of personal property for about a buck or less a day. Belongings can be repaired or given a replacement cost value should your apartment or condo unit suffer damage by weather and non-weather related incidences.
- Home InsuranceAt H&K Insurance, we protect your biggest investment – your home – by offering a combination of broad protection that you can trust, affordable rates, and outstanding service. Our Massachusetts Homeowners Insurance Policies offer protection for your dwelling, as well as your personal possessions and personal liability.
- Life InsuranceAt H&K Insurance, we protect not only your belongings but your family. With a custom life insurance policy, we can ensure your dependents are financially taken care of in the unfortunate event of your passing.
- Health InsuranceRegular health insurance doesn’t cover long – term care. And Medicare won’t come to the rescue, either; it covers only short nursing home stays or limited amounts of home health care when you require skilled nursing or rehab. It does not pay for custodial care, which includes supervision and help with day-to-day tasks
- Disability InsuranceGroup disability insurance is coverage from your employer for when you become disabled and can’t work. For many people, the relatively smaller benefit amount and shorter benefit period of group disability insurance is enough coverage.
- Long Term CareLong term care insurance is designed to help you cover the costs of a nursing home or other skilled care as you age. As with most insurance policies, you must consider purchasing it before you need it, as policies become either unavailable or prohibitively expensive once it becomes clear that you need the protection.
- Business InsuranceH&K Insurance Agency, Inc., a family-run business serving Watertown, Massachusetts and the surrounding communities since 1961, has worked hard at being efficient, knowledgeable, and attentive when it comes to your insurance needs. We have had the privilege of providing personal and business insurance protection to over 10,000 clients. The team at H & K can write all lines of insurance, from a simple renter’s insurance policy to product liability for multi-million dollar companies. Our business clients vary from international, national, and regional companies to the one-person business owner.
- Commercial Liability InsuranceAlmost every organization faces commercial liability exposures. A commercial liability loss exposure is a condition or situation that presents the possibility of an organization becoming legally and financially responsible for injury, harm or damage to another party. These exposures stem from the kind of work an organization performs and where that work is executed. They […] read more »
- Professional Liability InsuranceEmployment Practices Liability is an area of United States law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. Employment Practices Liability is part of professional liability.
- Liability InsuranceWe will also help you to better understand the coverage provided by your automobile policy. We consult with you to determine the specific policy inclusions you require, including Personal Umbrella Liability to ensure that your auto is always properly protected.
- Flood InsuranceYou don’t have to live near water to be flooded. Approximately 25 percent of all flood insurance claims come from “low-risk” areas. Floods are commonly caused by storms, melting snow, dam or levee failure or water backup due to overloaded drainage systems.
- Earthquake InsuranceH&K Insurance offers its customers a variety of specialty coverages to make sure that they are properly insured when special circumstances arise. These specialty coverages include flood and earthquake insurance along with a variety of additional policies that provide needed protection to both homeowners and business owners when unusual events occur. All of these coverages should be carefully reviewed and proper limits of protection chosen to meet your needs. We can certainly help you to understand your potential exposures and guide you to a limit that you feel is adequate for your situation.