H & K Insurance Agency

H & K Insurance Agency H & K Insurance Agency Inc. has served as an independent insurance agency since 1961. Visit www.hkinsurance.com to learn more.

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made...
05/22/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closing at 2PM Friday, May 22nd and on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check ...
05/19/2026

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check to ensure your summer adventures don’t come with an expensive surprise. Swipe to see which coverages are best for some common summer rides.

Not sure you’re fully covered ahead of this summer? Call our office today. We’re here to help you enjoy a stress-free, adventure-filled summer!

In celebration of Mother’s Day, we want to take a moment to honor the mothers, grandmothers, and maternal figures who en...
05/10/2026

In celebration of Mother’s Day, we want to take a moment to honor the mothers, grandmothers, and maternal figures who enrich our lives with love, wisdom, and unwavering support.

We hope your day is filled with the appreciation, warmth, and joy you so richly deserve.

Happy Mother's Day!

More riders are choosing e-bikes and scooters every day, but many don’t realize their current insurance coverage may not...
05/07/2026

More riders are choosing e-bikes and scooters every day, but many don’t realize their current insurance coverage may not fully protect them.

Swipe to see the key coverage gaps you should know about, and call our office if you’d like to review your policy. We’re here to help make sure you and your ride are protected.

As a business owner, you might be planning how you’ll spring-clean your team's workspace. But have you considered spring...
04/28/2026

As a business owner, you might be planning how you’ll spring-clean your team's workspace. But have you considered spring-cleaning your network and devices as well?

Cyber incidents are becoming more common and more costly, and falling behind on key cybersecurity best practices can expose your business to attacks and breaches. Swipe for a few key moves that can help protect you and your team.

These tips can’t prevent cyberattacks or data breaches outright, so you must have cyber insurance to protect your business. Call our office, and we’ll point you to the right coverage.

April is Distracted Driving Awareness Month, making now a good time to take stock of how you’re driving. Distracted driv...
04/16/2026

April is Distracted Driving Awareness Month, making now a good time to take stock of how you’re driving. Distracted driving can start with how you set up your car before you drive, so we wanted to share a few tips that can help you hit the road distraction-free:

🚗 Set up before you roll. Adjust your seat, mirrors, climate, and audio to your liking while parked.

🚗 Put the phone away. Keep it out of reach, or use your phone’s “Do Not Disturb” feature while driving. If something cannot wait, pull over first.

🚗 Keep the cabin calm. Secure loose items, cap drinks, and restrain pets before you hit the road.

Driving safely is one piece of the puzzle, and the other is comprehensive auto coverage. We’re here to talk you through any auto insurance questions you may have. Give us a call, and we can get started.

Spring is a season for fresh starts, and your home is no exception. Staying ahead of routine maintenance can help preven...
04/02/2026

Spring is a season for fresh starts, and your home is no exception. Staying ahead of routine maintenance can help prevent costly repairs and protect your investment. Swipe through for a few must-do items to add to your spring prep checklist ↩️

If we can be of help this spring or if you would like recommendations of local service providers for your regular spring maintenance, feel free to reach out. We’re here to help.

Spring is nature's reminder that growth and change are constant in our lives. Given that evolution, it’s important to ma...
03/26/2026

Spring is nature's reminder that growth and change are constant in our lives. Given that evolution, it’s important to make sure your life insurance coverage keeps up.

If you have experienced any life changes recently, let's review your coverage together and make sure your loved ones stay protected. If you do not currently have this key coverage, what better way to enter spring than ensuring your family is protected in every season?

Give our office a call to schedule your complimentary consultation!

Life insurance can do more than help protect your family after you’re gone. It can also help you take care of yourself w...
03/19/2026

Life insurance can do more than help protect your family after you’re gone. It can also help you take care of yourself while you’re still here. Accelerated death benefit (ADB) riders can allow you to take a portion of your death benefit early to help take care of yourself in the event of a fatal diagnosis.

Swipe for a complete overview of ADBs — what they are, how they work, who they’re for, and how they help.

Want help confirming whether your policy includes an ADB, or want to discuss if adding an ADB makes sense for you and your situation? Give us a call today, and we can help you review your current coverage and compare your options.

Think your auto and homeowners insurance will protect you if something goes wrong? Think again. Today’s lawsuits are big...
03/17/2026

Think your auto and homeowners insurance will protect you if something goes wrong? Think again.

Today’s lawsuits are bigger, more frequent, and far more expensive than most standard policies were designed to handle. When a serious claim exceeds your coverage limits, the financial fallout can be devastating.

Here’s why more people are adding personal umbrella insurance:

✅ Liability claims and payouts have surged over the last decade
✅ Umbrella claims have doubled, with average payouts up about 67%
✅ Jury awards in some states have exceeded standard policy limits by hundreds of thousands of dollars
✅ Legal defense costs alone can surpass $50,000 before a case is resolved
✅ $1 million in umbrella coverage may cost as little as $12–$25 per month

The cost of not having enough liability protection can far outweigh the cost of adding it. Personal umbrella insurance helps protect your savings, home equity, investments, and even future income — before one claim puts them at risk. If you would like to learn more about umbrella insurance, give our team a call. We're here to help.

Address

271 Waverley Oaks Road Suite #307
Waltham, MA
02452

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4pm

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