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Vargas & Vargas Insurance Agency, Inc.
1133 Washington Street Dorchester,MA 02124
(617) 298-8355
cvargas@vargasinsurance.com
4 Cabot Place - Unit 9 Stoughton,MA 02072
(781) 341-1700
609 Washington Street Norwood,MA 02062
(781) 440-0999
Toll-Free:
(866) 431-7116
Are You Making These Insurance Blunders?
When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.
Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, "The Top 10 Insurance Blunders - and How to Avoid Them."
Just reply to this email and I'll send it right out to you.
Quick Quiz
A riddle for you this month: I am at the beginning of everything, and the end of time. What am I?
(Answer below)
Why Not Pass Me to a Friend?
If you've enjoyed this newsletter and found its information useful, please forward it to a neighbor, friend or co-worker by clicking this link.
Did You Know?
How good is your knowledge of science? Answers below.
Which body organ produces hydrochloric acid?
What is the second most common element in the earth's crust?
What element is represented by the symbol Pb?
What is the second largest organ in the human body?
(Answers: stomach, silicon, lead, liver
Answer to Quick Quiz: The Letter "E")
Source: coolquiz.com
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Welcome to Vargas & Vargas Insurance's first client newsletter. You are receiving this because you are a client of Vargas & Vargas Insurance. Please let us know what content you'd like more information on for future issues.
Sincerely,
Carlos Vargas
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Why Flood Insurance is So Vital
Flood insurance might be one of the most important forms of protection the average homeowner ever purchases.
Unfortunately, it's also one of the most easily overlooked.
Following are some of the reasons flood insurance should be at the top of your insurance portfolio:
1. Revised FEMA Maps
Millions of homeowners across America have been surprised to learn they need to purchase flood insurance for the first time. New homebuyers and even sellers should make a point of obtaining up-to-date plat maps to determine if they fall within the new flood zones implemented by the Federal Emergency Management Agency. Otherwise, the mortgage company is likely to purchase a policy on your behalf.
2. High Risk
Even if your property doesn't fall within a known flood zone, it's often a good idea to purchase a flood insurance policy. Flooding is one of the most frequent high-dollar claims submitted. In fact, flooding is more likely to take place than is fire or other named hazards.
3. Big Damage Claims
Many homeowners make the mistake of thinking they are covered for flood-related damages when, in fact, they are not. Flooding is caused by more than merely rising water. Other common causes of flood-related damage are broken pipes, storm surge, rain and, of course, flash flooding. Unfortunately, the time to obtain flood insurance is before it's needed. Don't wait until storm season to obtain quotes, as it's often too late. Most flood policies go into effect 30 days after purchase.
To determine if you're fully covered in the event of flood-related damage, simply ask your agent.
Remember, flood-related damage is the single most common cause of additional property destruction after a hurricane, storm surge or even earthquake.
Nearly every item in your home is subject to water damage, including drywall, electrical systems, furniture, and other belongings and household items.
Clear Out the Clutter: A Simple Road to Happiness
 It doesn't take long for closets to become cluttered, but sooner or later even the most dedicated packrat must make room for new belongings.
Stop procrastinating and instead schedule time to tackle storage sheds, the garage and closets.
Not only will you feel better, but by planning ahead you can help others out during these tough economic times.
Free Up Space: De-cluttering is the fastest way to free up space without adding cost or upkeep. In fact, less stuff means less cleaning. If you haven't used items within the past year, then it's time to toss them. Exceptions include family heirlooms, collections and other keepsakes.
Possession Perspective: Save time and money by keeping a healthy perspective on your possessions. Many people are surprised by the sense of newfound freedom achieved by keeping a healthy attitude about belongings. Allow them to complement - not compete - with your life. Not only will you spend less by breaking the shopping habit, but it's often easier to organize and enjoy the things you keep without the headache and hassle associated with cluttered closets.
Guilt-Free Living: Sometimes it's difficult to let go, but it's healthier to look ahead to the future than live in the past. Learn to let go without the guilt by donating unneeded items to charity. Not only does it provide you with a fresh start, but you also have the satisfaction of knowing that the items will be put to good use.
Picture credit.
Why You're Better Off with an Agent for Life
Staying with the same agent or broker simply makes sense when it comes to property and casualty insurance.
Following are some of the advantages of having a long-term working relationship with one agent:
1. Continuous Coverage: One agent will be better prepared to quote complete coverage without existing gaps, and you'll be more likely to save money by eliminating duplicate coverage. One of the problems associated with buying multiple policies from various providers is the ease of duplicating coverage and inconsistency or gaps in coverage, especially among homeowner, car and umbrella policies.
2. Competitively Priced: Don't assume that shopping around provides the best price. Instead, calculate the total cost of all coverage after rate reductions, elimination of duplicated provisions and other deductions such as multiple-policy discounts. Long-term clients often reap the benefits of low prices, rate reductions and convenience simply by staying in place. Stop shopping and stay in place for the best rates.
3. Single Point of Contact: Having a single point of contact for all your insurance needs is convenient for making payments and keeping contact information up to date. It's also vital for quick response and individual attention in the event of a claim. Not only can all your benefits be easily coordinated by an agent who is familiar with your needs and coverage, but it reduces the stress and strain of trying to navigate the complex and confusing world of insurance when you need it most. |
