If you’re considering umbrella insurance for personal or professional reasons, you likely understand that it serves as a safety net, providing additional coverage when damages exceed the limits of your standard insurance policy. However, there may be aspects of umbrella insurance that you’re unsure about, such as whether it covers incidents not included in your standard policy. Let’s explore what umbrella insurance can achieve and how Vargas & Vargas Insurance in Dorchester, MA, can help you find the right coverage.
Does Umbrella Insurance Cover Incidents Your Standard Policy Won’t?
It might surprise some to learn that umbrella insurance doesn’t just offer additional coverage—it can also provide protection in situations where your standard insurance policy falls short. For example, if you’re using umbrella insurance to supplement your auto insurance policy, you might expect it to help cover excess damages. However, umbrella insurance can also offer coverage for unique circumstances that your auto insurance won’t address.
Imagine you’re involved in an auto accident and later become a victim of libel, slander, or defamation of character related to the incident. Your auto insurance provider won’t cover these legal issues, but umbrella insurance can step in to provide support for lawsuits involving libel, slander, or defamation. Before securing a policy, it’s important to understand how umbrella insurance can protect you and to strategize for unexpected developments.
Find the Right Umbrella Insurance with Vargas & Vargas Insurance
At Vargas & Vargas Insurance in Dorchester, MA, we make it simple to shop for umbrella insurance. Request a quote today and get the coverage you need!
At Vargas & Vargas Insurance, we help Massachusetts homeowners navigate the complexities of cancellation or non-renewal with confidence—offering solutions, options, and support when it’s needed most.
What Is a Cancellation or Non-Renewal?
A cancellation or non-renewal happens when your insurance company decides not to continue coverage once your current policy expires. Unlike a cancellation (which occurs mid-term), non-renewal happens at the end of the policy term and gives you time to find new coverage.
How Non-Renewal Differs from Cancellation
Cancellation: Happens before the policy ends. Common reasons include missed payments or misrepresentation.
Non-Renewal: Occurs at the policy’s expiration. This may be due to increased risk, underwriting changes, or business strategy shifts.
Common Reasons for Non-Renewal
Vacant home for extended periods
Multiple claims history
Poor credit or late premium payments
Unresolved underwriting issues (e.g., repairs)
Property in disrepair
High-risk location (e.g., coastal or wildfire zones)
Carrier capacity changes
Loss of agency’s contract with the insurer
Liability hazards (e.g., trampolines, certain dog breeds)
What Should You Do After a Non-Renewal?
Here are key steps you can take to protect your home and secure new insurance:
✅ Shop Around
Get quotes from multiple carriers to compare your options.
✅ Be Transparent
Make sure your application information is complete and accurate to avoid delays or denials.
✅ Bundle Policies
Combining your home and auto insurance can lead to significant discounts.
✅ Work with an Independent Broker
At Vargas & Vargas Insurance, we represent multiple carriers and specialize in finding coverage—even for hard-to-place or high-risk properties.
The Fair Access to Insurance Requirements (FAIR) Plan offers basic property insurance for homes that can’t get standard coverage. FAIR Plans are helpful for:
Coastal or storm-prone properties
Homes in disrepair
Those with multiple claims
⚠️ Note: FAIR Plan coverage is limited and may carry higher premiums.
Surplus Lines Insurance
This option is for properties with unique risks like:
High-value or custom-built homes
Homes with unusual materials
Remote or high-risk locations
Surplus lines carriers are non-admitted, meaning they’re not licensed in the state and don’t offer the same consumer protections—but they can often provide flexible coverage when no one else will.
Top 5 FAQs About Insurance Non-Renewals
1. Can I Appeal a Non-Renewal?
Sometimes. Review your policy and ask your broker if an appeal is possible.
2. Will It Affect My Ability to Get Insurance?
It could. Non-renewal may raise red flags for other carriers, but working with an independent broker helps you find new options.
3. What If I Can’t Find New Insurance?
Explore all options, including FAIR Plans or surplus lines. A specialist broker can guide you to the right fit.
4. Will It Impact My Mortgage or Escrow?
It shouldn’t, as long as you maintain continuous coverage. If you let your coverage lapse, your lender could step in with a costly force-placed policy.
5. Are There Alternatives to Standard Homeowners Insurance?
Yes. Surplus lines and FAIR Plans offer alternatives, and some carriers specialize in covering specific risks, like coastal exposure or certain pet breeds.
Final Thoughts
A home insurance non-renewal can feel overwhelming, but it doesn’t mean you’re out of options. By understanding the process and working with a knowledgeable agency like Vargas & Vargas Insurance, you can find coverage that protects your home—and your peace of mind.
It’s often said that comparison is the thief of joy. But when it comes to comparing home insurance premiums, it’s understandable to feel frustrated—especially if your neighbor is paying significantly less than you are for what seems like the same coverage.
Before jumping to conclusions, it’s important to understand the many factors that influence the cost of a homeowners insurance policy—some of which may not be immediately obvious.
At Vargas & Vargas Insurance, we know that price matters—especially in today’s economic climate. That’s why our team works hard to help clients get the right coverage at the best value, without cutting corners on protection.
Let’s explore why your neighbor’s rate may be lower, what truly affects the price of home insurance, and how you can potentially save on your own policy.
Why Am I Paying More Than My Neighbor?
Even homes that look identical on the outside can vary drastically in how they’re rated for insurance.
Why? Because:
Each home’s details and risk exposures are different
Insurance carriers use different formulas and pricing models
Your neighbor may have lower coverage limits or fewer endorsements (and may be underinsured!)
So, while your neighbor might be enjoying a lower premium, they could also be missing important protections that you do have.
What Factors Influence the Cost of Home Insurance?
Here are some of the most common reasons your rate might be higher than someone else’s:
1. Coverage Limits
Higher limits = higher premiums. Your policy likely includes coverage for:
Dwelling (your home’s structure)
Personal property
Other structures
Loss of use
Personal liability
Medical payments
If your neighbor chose lower limits, their policy may cost less—but at the risk of not being fully protected.
2. Deductible Amount
This is the amount you pay out of pocket before insurance kicks in.
Lower deductible = higher premium
Higher deductible = lower premium
You may be paying more simply because you opted for a lower deductible for better peace of mind.
3. Home Exposures
Your property might include features your neighbor’s doesn’t, such as:
A pool or hot tub
Trampolines or playgrounds
Detached garages or sheds
Solar panels
A specific dog breed
Home-based business
Each of these adds potential liability or repair risk, which can increase your rate.
4. Insurance Carrier
Every insurance company uses a unique rating system. That’s why two identical homes can get two very different quotesfrom different carriers.
At Vargas & Vargas Insurance, we’re independent agents—meaning we shop across multiple top-rated insurers to find the best fit for your needs and budget.
5. Endorsements and Add-Ons
Optional coverages like:
Water backup
Extended replacement cost
Cyber coverage
These “bells and whistles” are often excluded from cheaper policies but can significantly improve protection. If you’ve added them, your policy will cost more—but you’ll also be better covered in a loss.
6. Past Claims
If you’ve had previous claims, you may be rated as a higher risk. This can result in higher premiums—even if your neighbor hasn’t filed a claim at all.
7. Other Property Details
Things like:
Age of the home
Location and local risk factors (crime, wildfire, flood zone)
Square footage
Type of construction materials
All play a role in determining risk and pricing.
How Can I Save Money on My Homeowners Insurance?
Let’s talk strategy. While you shouldn’t sacrifice essential coverage, there are several smart ways to lower your premium:
✅ Bundle Your Policies
Most carriers offer 5–25% off if you bundle home and auto insurance together.
✅ Raise Your Deductible
If you can afford to pay more out of pocket in the event of a claim, a higher deductible can mean lower monthly premiums.
✅ Set Up EFT/ACH Payments
Automating your payments or paying upfront can reduce fees.
✅ Go Paperless
Opting for email billing can save you a small—but consistent—amount.
✅ Apply All Available Discounts
You may qualify for savings based on:
Security systems
Water leak detectors
Automatic shut-off systems
Recent home purchases
Non-smoking household
Being over age 55
Generator installation
Early quoting
You’re Not Alone—And You Have Options
No one likes to feel like they’re overpaying—especially when your neighbor boasts about a better deal.
But now that you understand what really drives the cost of home insurance, you can make confident decisions about your own policy. If you’ve already implemented savings strategies and still feel your rate is too high, it might be time to compare quotes across providers.
The good news? We can help with that.
📞 Get a Personalized Quote from Vargas & Vargas Insurance
Our team is here to make insurance easier—and more affordable—for Massachusetts homeowners.
Condos offer the perfect mix of homeownership and convenience. According to the U.S. Census, one in five newly built multi-unit properties is a condominium. But while condo living has its advantages, figuring out how much dwelling coverage you need can be confusing.
Whether you’re a new condo owner or reviewing your current policy, Vargas & Vargas Insurance is here to help you understand what your HOA master policy covers—and what gaps you’ll need to fill with your personal condo insurance.
Types of Condo Master Policies
Before selecting your own coverage, it’s critical to know what the HOA’s master policy insures. The most common types are:
1. Bare Walls Coverage
This policy type covers only the unit’s structure—walls, floors, and ceilings. Everything inside (fixtures, appliances, finishes) is your responsibility.
2. All-Inclusive or Single-Entity Coverage
This broader coverage includes original, built-in elements like cabinetry, lighting, and standard appliances—but often excludes upgrades made by the owner.
⚠️ Even comprehensive HOA policies do not cover your personal property or custom improvements.
Why You Should Review Your HOA’s Master Policy
Ask for a full copy of your building’s master policy and bring it to a licensed insurance agent for review. Look for:
What’s included (walls, fixtures, built-ins)
What’s excluded (flooring, finishes, custom work)
Coverage limits (e.g., a $500,000 maximum per claim)
Whether there’s a reserve or emergency fund
If the HOA’s coverage is limited, you may need to extend your protection through your personal condo policy.
What Should Your Personal Condo Insurance Include?
Your individual condo (HO-6) policy should be designed to fill in the gaps left by the HOA’s master policy. Key components include:
Real Property (Interior) Coverage
Personal Property
Liability
Loss of Use
Medical Payments
Flood Insurance (optional but important)
Real Property (Interior) Coverage
This protects the permanent interior parts of your unit, including:
Flooring and carpet
Built-in cabinets and vanities
Light fixtures
Kitchen appliances
💡 Tip: If the HOA has a “bare walls” policy, you’ll need full coverage for all interior elements. If they offer all-inclusive coverage, you may only need protection for your upgrades.
Personal Property Coverage
This covers your belongings—furniture, electronics, clothes, décor, and more. Best practices include:
Taking a home inventory with an app or spreadsheet
Choosing replacement cost over actual cash value
Adding scheduled personal property coverage for high-value items (like jewelry or fine art)
Liability Coverage
This protects you if someone is injured inside your unit or if you’re held responsible for accidental property damage. It also typically includes dog bite liability, but some breeds may be excluded.
📌 Pro tip: Your liability coverage should match your total net worth to protect your assets in case of a lawsuit.
Loss of Use
If your condo becomes uninhabitable due to a covered event (like a fire or major water damage), this coverage helps pay for:
Hotel stays or temporary rentals
Meals
Additional living expenses
Medical Payments
This pays for minor medical expenses if a guest is injured in your condo—regardless of who was at fault.
Don’t Overlook Flood Insurance
It’s a common myth that condo owners—especially those on upper floors—don’t need flood insurance. But here’s the reality:
🚫 Standard condo insurance and HOA master policies do not cover flood damage. This includes water from:
Storm surge or overflowing rivers
Surface water runoff from heavy rain
Groundwater seepage
Tidal or flash flooding
🌧 Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private provider.
Even if you live on a higher floor, flood damage to lower-level infrastructure (like HVAC, electrical, or building-wide plumbing systems) can lead to special assessments—costs you might have to help pay if your building isn’t properly insured.
Follow these steps to make sure you’re not under- or overinsured:
✅ List all permanent fixtures and upgrades in your unit ✅ Inventory your belongings and estimate replacement value ✅ Total your assets to determine appropriate liability limits ✅ Review the HOA master policy carefully for exclusions ✅ Use a condo insurance calculator—or speak with an agent
Protect Your Condo with Confidence
Your condo is more than a place to live—it’s a major financial investment. At Vargas & Vargas Insurance, we help you understand what coverage you need, what your HOA handles, and how to fill the gaps with smart, affordable protection.
What is real property coverage in condo insurance? It covers permanent interior fixtures and built-ins. It’s especially important if your HOA has a “bare walls” policy.
Do I need flood insurance if I live in a condo? Yes, in many cases. Flooding can affect common infrastructure, and damage from external rising water is not covered under your standard condo policy.
How much personal property coverage should I carry? Start by taking an inventory and estimating replacement cost. Be sure to add coverage for high-value items if needed.
What’s the difference between actual value and replacement value? Actual value accounts for depreciation; replacement value covers the cost to buy a new item today.
Can I be held liable if the HOA’s policy doesn’t cover enough? Yes. If damage exceeds the HOA’s limits, unit owners may be assessed to cover the difference. Consider adding loss assessment coverage.
Shop for the Best Condo Insurance
It’s quick, easy, and local. Compare quotes from top-rated insurance companies—all in one place.
When your water heater suddenly stops working, the first thing that hits—besides the cold water—is the cost. You’re staring at a hefty plumbing bill, wondering if your home insurance might cover the damage. It’s a fair question, especially since these types of breakdowns often happen with no warning.
Unfortunately, most homeowners don’t realize until they file a claim that standard insurance policies don’t cover everything. Specifically, mechanical breakdown and wear and tear are among the most common exclusions in a home insurance policy. That means if your water heater breaks because it’s old or simply failed, the repair or replacement cost likely falls on you.
In this article, we’ll break down what these exclusions actually mean, explain when water damage is covered, and outline the exact steps you should take if you think you might have a claim.
What Is a Mechanical Breakdown Exclusion in Insurance?
Most standard homeowners insurance policies exclude coverage for mechanical breakdown. That means if a part inside your water heater fails, the unit stops functioning, or the problem is due to internal wear, your policy will not pay for the repair or replacement.
This kind of exclusion is based on the principle that appliances and systems naturally age and deteriorate over time. Insurance is designed to cover sudden and accidental damage, not the eventual failure of things we expect to wear out.
What About Wear and Tear?
Wear and tear is another common exclusion. It refers to the expected deterioration of appliances and home systems through normal use. If your water heater stops working because it’s ten years old and a component wore out, that’s considered wear and tear—and your policy won’t help.
It’s frustrating, but it’s also standard practice across nearly all homeowners policies. These exclusions are clearly outlined in the fine print, which most people don’t read until there’s a problem.
When Is Water Damage Covered?
There’s a key distinction to understand: while your insurance won’t cover the broken water heater itself, it might cover the resulting damage if water escaped and caused harm to your home or belongings.
If the broken heater leaked and damaged your:
Floors or carpeting
Walls, ceilings, or baseboards
Furniture or electronics
Personal belongings stored nearby
…then you may have a valid water damage claim under your policy’s “sudden and accidental discharge of water” clause. You would still be responsible for your policy’s deductible, but the damage could be covered.
It’s important to act quickly. The longer you wait, the more likely your insurer may argue the damage was due to neglect or delayed maintenance.
What Should You Do If You Think You Have a Claim?
To give yourself the best chance of claim approval, take these steps immediately:
Photograph all visible damage — floors, walls, belongings.
Create an inventory list — include descriptions, values, and purchase dates of all affected items.
Locate receipts, manuals, or original product documentation if available.
Keep a written journal of events — when the water heater failed, when you discovered the damage, who you spoke with, and what was said.
This kind of documentation is crucial. It helps your insurance adjuster understand the scope of the loss and strengthens your claim file.
What Does It All Mean for Homeowners?
Here’s the short version:
✅ Covered: Damage caused by escaping water (flooded floors, ruined belongings)
❌ Not covered: The broken water heater itself or any repairs related to age or wear
Always read your insurance policy carefully, or talk with your agent to clarify what’s included. If you aren’t sure whether you’re covered, it’s better to ask early than find out too late.
Conclusion: Know the Limits—And Your Next Move
Most homeowners only learn about exclusions like mechanical breakdown and wear and tear after a problem happens—and by then, it’s already too late to prevent out-of-pocket expenses. Your policy likely won’t cover the failed water heater, but if it caused water damage, that part of the loss may still be covered.
Now that you understand how these exclusions work, your next step is to document everything thoroughly and contact your insurer to report the loss. Being prepared could make the difference between a denied claim and a check that helps you recover.
If you’re unsure about what qualifies or how to navigate the claim process, we’re here to help. Our team has been helping homeowners and businesses for over 45 years and we have seen it all and can walk you through your options. Our team can be reached via a call to 617-298-0655, a text to 617-409-0329 or an email to customerservice@vargasinsurance.com
When you’re shopping for insurance, it’s easy to get overwhelmed by the number of coverage options available. But sometimes, your challenge isn’t too many choices—it’s too few. If you’ve been labeled “high risk” or have unusual insurance needs, you may find that standard insurance companies won’t cover you.
That’s where non-admitted insurance carriers come in.
At Vargas & Vargas Insurance, we frequently help individuals and businesses who’ve been declined by traditional insurers find the coverage they need—often through non-admitted carriers.
So, what exactly are non-admitted carriers? How are they different from admitted ones? And most importantly, are they the right fit for your needs?
Let’s break it all down.
What Is the Difference Between Admitted and Non-Admitted Carriers?
The key difference lies in state regulation and oversight.
Admitted carriers are licensed by the state’s Department of Insurance and must follow strict regulations around pricing, policy language, and claims handling.
Non-admitted carriers are not licensed in the state but are legally allowed to operate under surplus lines rules, offering coverage for risks that admitted carriers typically avoid.
What Are Admitted Carriers?
Admitted insurance carriers are state-licensed providers. This means their policies, rates, and business practices are reviewed and approved by your state’s Department of Insurance.
Advantages of Admitted Carriers:
Stronger consumer protections: You can appeal a claims decision with your state’s insurance department.
Access to state guaranty funds: If the carrier becomes insolvent, your claims may still be covered (typically up to $500,000).
Standardized policy terms: Good for common coverage needs like personal auto or homeowners.
Disadvantages:
Limited underwriting flexibility: If you’re considered high-risk (e.g., flood zone property, prior claims, coastal location), they may decline to insure you or quote a very high premium.
What Are Non-Admitted Carriers?
Non-admitted carriers—also called surplus lines insurers—are not licensed by the state, but they are allowed to provide coverage for unique or high-risk situations that standard carriers won’t touch.
They aren’t subject to the same regulations as admitted carriers, giving them more flexibility in how they design coverage.
Advantages of Non-Admitted Carriers:
Broader coverage options: Ideal for properties in wildfire-prone areas, coastal zones, or with unique construction.
Custom policy solutions: Better suited for insuring niche businesses or unusual liability risks.
Disadvantages:
Fewer consumer protections: You cannot appeal claim decisions with your state, and policies are not backed by the state guaranty fund.
Higher premiums: These carriers typically insure higher-risk scenarios, so costs are often greater.
Examples of Non-Admitted Insurance Carriers
If you’ve been declined by a standard insurer, your agent might explore policies from non-admitted carriers. Here are a few common and reputable options:
Lloyd’s of London – An international market for insuring highly specialized or high-value risks.
Scottsdale Insurance (a Nationwide company) – Offers tailored E&S coverage for hard-to-place property and liability needs.
Kinsale Insurance – Specializes in excess and surplus lines, including vacant properties, cyber liability, and more.
Weston Insurance – Often used in coastal regions for wind, hurricane, or storm surge coverage.
These companies help fill coverage gaps where admitted carriers fall short. However, since their policies are not regulated by the state, it’s critical to review all terms carefully and work with an experienced agent.
So, Which Is Right for You?
If your insurance needs fall into a conventional category and you’re not viewed as high-risk, an admitted carrier will likely offer the protection—and consumer safeguards—you’re looking for.
But if you’ve been turned away by standard insurers, a non-admitted carrier might be your only (and best) option. This is particularly true if your property is in a flood zone, near a coastline, or you operate a business with unusual exposures.
Either way, you have options—and we can help you explore them.
Let’s Talk About Your Coverage Options
At Vargas & Vargas Insurance, we believe everyone deserves access to clear, honest guidance—especially when navigating complex or high-risk insurance scenarios. Whether you’re considering admitted or non-admitted carriers, we’ll help you understand the risks, costs, and coverage details so you can make a confident decision.
Have questions? Need help finding the right policy? Contact our team today.
Still having trouble insuring your home? You might need FAIR Plan Insurance. Learn what this state-backed coverage offers and whether it’s right for you, click here.
Does your homeowners insurance protect you if someone slips on your porch? Yes — that’s usually covered. But what about if someone sues you for something you posted online? Or for something you said in passing?
What happens if a neighbor, a stranger, or even a business claims you’ve damaged their reputation — and takes legal action? That’s where most standard homeowners policies fall short.
What Is Personal Injury Liability Coverage — and Why Should You Care?
In this post we’ll explain exactly what personal injury liability coverage is, how it works, and why it matters more now than ever — especially in the digital world we all live in.
You’ll walk away knowing:
What types of legal claims this coverage protects against
Real-life examples of how lawsuits happen
How to find out if your policy includes it — and how to add it if it doesn’t
Wait — Isn’t Personal Injury Covered in Homeowners Insurance?
Not always. And definitely not in the way most people think.
When most people hear “personal injury,” they think physical harm — broken bones, a trip on your sidewalk, a dog bite. That’s covered under bodily injury liability, which is a standard part of most homeowners insurance policies.
But legal harm, like defamation or false arrest? That’s a completely different coverage — and it’s called personal injury liability.
And here’s the kicker: many policies don’t include it by default. You usually have to request it as an endorsement or rider.
Here’s What Personal Injury Liability Actually Covers:
This type of coverage helps protect you financially if you’re sued for:
Libel (written defamation, like a social media post or a bad online review)
Slander (spoken defamation — even casual conversation or a joke taken the wrong way)
False arrest or wrongful imprisonment
Wrongful eviction or entry
Invasion of privacy
And yes — these types of lawsuits really happen. A heated online argument. A bad review that someone claims hurt their business. A neighborhood dispute that escalates. These are all real examples of what can lead to expensive legal claims.
What Happens If You’re Sued?
Without personal injury liability on your policy? You’re likely paying out of pocket — for:
Attorney fees
Court costs
Damages or settlements
That can easily add up to tens of thousands of dollars — even if the claim is completely groundless.
But with this endorsement on your homeowners policy? You may be covered for: ✅ Legal defense costs ✅ Settlement or court judgments ✅ Other related expenses
Why This Matters Now More Than Ever
We’re all online — and fast to comment, post, and review. But the truth is, one careless comment, one viral post, or one misunderstanding could land you in serious legal trouble.
In today’s world, it’s not just what you do — it’s what you say and share that could lead to a claim.
That’s why we recommend every homeowner have personal injury liability coverage as part of their policy.
Want to Know If You’re Covered?
Not sure if your policy includes this protection? That’s where we come in.
At Vargas & Vargas Insurance, we’ve been helping Massachusetts families get the right coverage — and avoid hidden gaps — for over 45 years.
We’ll review your current homeowners policy, explain what’s included, and help you decide whether personal injury liability coverage makes sense for your situation.
🎯 One conversation today could save you thousands tomorrow.
Do you own an older or historic home in Massachusetts? Are you sure your current insurance policy is giving you the right protection—without costing you more than it should?
Homeowners across the state are surprised to learn that standard home insurance often doesn’t account for the unique challenges of older properties. In this blog, we’re going to fix that.
Here’s what you’ll learn: You’ll discover what makes Massachusetts homes special from an insurance perspective, which coverages you absolutely need (especially if your home was built before 1940), and a few smart ways to save hundreds on your premium.
What Makes Massachusetts Homes Unique
Massachusetts has some of the oldest housing stock in the country. In fact, over 30% of homes statewide—and nearly 50% in the Boston area—were built before 1940. That means they may have unique architecture, aging infrastructure, or outdated building codes.
Older homes like triple deckers, properties near the coast, or homes in neighborhoods like Beacon Hill, Charlestown, the South End, and the Back Bay require more than just standard home insurance—they need specialized coverage that takes these features into account.
Key Insurance Coverages You Need
To fully protect your older or historic Massachusetts home, your policy should include:
Personal Property Replacement Cost Coverage This ensures you’re reimbursed for new, undepreciated items if your personal belongings are lost.
Water Backup & Sump Pump Failure Rider A must-have if you have a finished basement—it covers damage standard policies don’t.
Ordinance or Law Coverage This rider helps pay for reconstruction that must follow current building codes, including demolition and required upgrades after a major loss.
HO-5 Endorsement (805.8) Especially valuable in historic areas, this can increase your dwelling coverage by 25%, 50%, or even 100% to reflect the true value of restoring older homes.
How to Save Money on Home Insurance
Just because you need better protection doesn’t mean you have to overpay. Here are a few ways to reduce your premiums:
Install a central-station monitored alarm system This alone can save you 10–20% on your policy.
Add water leak detectors and hardwired smoke alarms Insurers reward proactive risk reduction.
Bundle your home and auto policies A multi-policy discount is often one of the biggest savings available.
Raise your deductible Going from a $500 to a $2,500 deductible can save you over $500/year on a $500,000 home.
Consider flood insurance—even if you’re not near water Standard policies don’t cover flood damage. The good news? Flood coverage for homes outside a federally mandated flood zone can cost less than $500/year.
What Does the Average Home Insurance Policy Cost in Massachusetts?
The average annual premium is about $1,500, but what you’ll actually pay depends on your home’s age, location, condition, security features, and the coverage levels you choose.
Absolutely! Here’s the final paragraph updated with a clear, friendly call to action including your agency name and phone number:
Get a Free Policy Review Today
Every home is different—especially in Massachusetts. Our experienced team can walk you through your current policy, spot any coverage gaps, and help you find discounts you may be missing. No pressure. No obligation. Just honest guidance.
🎥 Watch the video below to hear the full breakdown and see if your home is properly protected:
[Insert Video Embed]
And if you know someone buying or owning an older home in Massachusetts, feel free to share this with them—we’re always here to help.
📞 Call our team at Vargas & Vargas Insurance today at (617) 298-0655 for a free, no-obligation insurance review. We’re ready to help you protect your home—and your peace of mind.
😟 What happens when the agent who’s always handled your insurance suddenly retires or sells their agency?
Have you received a letter or email letting you know your trusted insurance agent is stepping away? It can feel unsettling—after all, this was the person who knew your needs and had your back when life threw surprises your way.
What should you do now to make sure your coverage—and service—stay strong? In this article, we’ll walk through your options, how to keep your current policies, and when it’s time to consider switching to a new agent.
Let’s break it down—quickly and simply.
✅ Your Policy Is Still Safe
Good news! Your insurance contract is with the carrier, not the agent—so your coverage continues as long as you keep paying your premiums. 🏠🚗
🔄 But Your Agent Will Change
In most cases, your account is reassigned to another agent or service team. Some insurers may even move you to a self-service model. That’s where issues can start:
Less personal service
Longer wait times
Unfamiliar communication style
Missed reviews or updates
🛠️ What Can You Do?
Here are your top options:
Give the new agent a chance — Evaluate their service over the next 30–60 days.
Call the new agency — Ask how they handle renewals, claims, and client communication.
Keep your carrier, switch agents — Contact your insurance company and request to work with a different agent.
Find a new local independent agent — Especially helpful if you want personalized service and more carrier options.
💬 Why Clients Choose to Switch Agents
Poor service or communication
Limited availability
Lack of insurance knowledge
Personality mismatch
You’ve relocated
This is your chance to get the support and service you really want.
🧠 Tip: Now’s a Great Time for a Policy Review
Are you overpaying?
Missing discounts?
Covered for the right risks?
A trusted agent will help you reassess and improve your protection.
🧭 Vargas & Vargas Insurance Is Here to Help
If your agent just retired or sold their agency, don’t feel stuck. Vargas & Vargas Insurance—your local independent insurance broker—is ready to step in and provide the personal, knowledgeable service you deserve. ✅
Let’s make your transition simple—and your coverage even stronger.
👉 Reach out today for a free policy review or agent transfer consultation.
Does your home have a finished basement? Do you rely on a sump pump to keep things dry during storms or snowmelt?
If so, there’s something you need to know: your standard homeowners insurance policy likely won’t cover water damage from sewer or drain backups.
In this quick-read blog, we’ll explain the difference between water damage and water backup, what your policy probably covers (and what it doesn’t), and how you can add a simple endorsement to fill this risky gap.
🚿 Not All Water Damage Is Treated the Same
When it comes to insurance, water damage and water backup are not the same thing.
Here’s the difference:
Water damage typically refers to a sudden event inside your home, like a burst pipe, leaking appliance, or damaged roof.
Water backup refers to water coming into your home from outside sources — like a sewer line, drain, or failed sump pump.
Standard home insurance policies usually cover the first — but not the second.
That means if sewage or groundwater floods your finished basement due to a sump pump failure or clogged drain, you could be left paying for repairs out of pocket.
💧 What Is Water Backup Coverage?
Water backup coverage is an add-on endorsement you can include in your homeowners insurance policy. It’s designed to cover damage caused by water that backs up through sewers, drains, or sump pumps.
Why is it so important? Because these events:
Are more common than people think — especially during heavy rains or power outages
Can cause expensive damage, especially to finished basements, flooring, furniture, and electrical systems
Are not considered “sudden accidental discharge” — and are explicitly excluded from many standard policies
🛑 Don’t Wait Until It’s Too Late
Unfortunately, most people only learn about this gap in coverage after their basement floods — and by then, it’s too late to add it.
Even worse? If you’ve invested in a finished basement, water backup could mean thousands of dollars in out-of-pocket repairs, mold risk, and damage to sentimental items.
✅ What You Can Do Right Now
The good news? Water backup coverage is easy to add and often very affordable.
Here’s what we recommend:
Check your current policy to see if water backup is included. (It usually isn’t by default.)
If you have a sump pump, finished basement, or any plumbing near lower levels, strongly consider adding it.
Talk to us. We’ll explain the exact cost and coverage options — in plain English — and help you protect your home the smart way.
Need Help Reviewing Your Coverage?
At Vargas & Vargas Insurance, we’ve been helping Massachusetts homeowners understand their policies — and protect what matters most — for over 45 years.
Think you’re fully protected just because you have homeowners insurance? Would your policy really cover you the way you expect if disaster hit tomorrow?
You’re not alone if you’re unsure. Many people assume they’re covered for anything that could go wrong. The truth? Most homeowners are underinsured — and don’t even realize it until it’s too late.
In this blog, you’ll learn the top 5 mistakes people make when buying homeowners insurance — and how to avoid them. We’ll show you how to make smart, informed choices so your coverage actually protects your home and your finances.
❌ Mistake #1: Not Buying Enough (or the Right) Coverage
A lot of people think the amount they paid for their home is the amount they should insure it for. But that’s not how insurance works.
Here’s the issue:
Home values change.
Construction costs go up.
If your home burns down or gets severely damaged, you need enough replacement coverage to rebuild it — not just repay your mortgage.
Don’t fall into the “cheapest quote” trap. A cheaper policy might leave you underinsured when it matters most.
✅ What to Do Instead:
Insure your home for its replacement cost, not its purchase price.
Review your policy every year, especially after renovations.
Work with an independent agent who can help you compare policies and tailor coverage to your real needs.
❌ Mistake #2: Not Knowing What Your Policy Doesn’t Cover
It’s easy to assume insurance covers everything. But that’s just not true. In fact, standard homeowners policies have exclusions that might surprise you.
Some common things not covered:
Flooding
Earthquakes
Sewer backups
Mold or foundation damage
High-value items like jewelry or art
Poor maintenance (like a leaking roof you ignored for months)
✅ What to Do Instead:
Ask questions. Know what’s covered and what isn’t.
Consider extra coverage for floods, valuables, and water backup.
Remember: homeowners insurance is not a maintenance plan — it won’t cover wear and tear or neglect.
❌ Mistake #3: Not Shopping Around
Getting one quote is quick, but it’s also risky. You could end up with:
Higher premiums
Poor claims service
Gaps in coverage you don’t see until it’s too late
Every insurance company prices differently — and not all offer the same benefits.
✅ What to Do Instead:
Let Vargas & Vargas Insurance shop for you. We compare quotes from many top-rated carriers so you get options — and expert help choosing the best fit for your needs.
❌ Mistake #4: Not Updating Your Policy Over Time
Your home changes. Your life changes. Your insurance should change too.
If your policy is outdated, it may not reflect:
Renovations or home upgrades
New valuables (like electronics, collectibles, or jewelry)
Safety features (like a new alarm system)
Liability risks (like a trampoline or swimming pool)
✅ What to Do Instead:
Review your policy once a year.
Call your agent when anything major changes.
We’ll help you adjust your coverage — no pressure, just smart protection.
❌ Mistake #5: Ignoring Discounts and Bundling Opportunities
You might be paying more than you need to — simply because you didn’t ask about discounts.
Common savings opportunities:
Bundling your home and auto insurance
Installing security systems or smoke detectors
Raising your deductible
Staying claims-free for several years
✅ What to Do Instead:
Ask your agent to review all possible discounts.
We can help you find hidden savings that most people miss.
A short phone call could save you hundreds of dollars per year.
Final Thoughts: Make Smart Moves Now, Save Yourself Later
Homeowners insurance doesn’t have to be confusing — but it can cost you if you don’t pay attention. Avoiding these 5 mistakes could save you thousands and give you real peace of mind.
Let’s recap:
✅ Don’t underinsure — know your home’s true replacement cost ✅ Understand what’s not covered ✅ Don’t settle for one quote — compare policies ✅ Update your policy as life changes ✅ Ask about discounts and bundling options
Need Help Reviewing Your Coverage?
At Vargas & Vargas Insurance, we’ve helped Massachusetts families protect their homes for over 45 years. We shop with multiple companies, break things down in plain English, and give honest advice — no pressure.
📞 Call us at 617-298-0655 💬 Visit vargasinsurance.com ✨ We welcome your referrals, too — thank you for trusting us.
As a real estate professional, you play a key role in ensuring your clients are set up for success—not just with their new home but also with proper insurance coverage. Below is a simple, actionable guide to help you support your home and condo buyers through the insurance process.
Recommend They Start the Insurance Process Early
Many buyers wait until the last minute to secure homeowners or condo insurance, which can lead to delays at closing. Encourage your clients to:
Request an insurance quote as soon as they go under contract
Compare coverage options and costs early
Share the necessary documents with their lender well before final underwriting
Key Information Buyers Will Need for an Insurance Quote
To generate an accurate quote, buyers should have the following:
Legal name that will appear on the deed
Property address
Date of birth
Current residential address
Pet information (certain breeds may impact policy eligibility)
Best contact phone number
Work with an Independent Insurance Broker
Independent brokers have access to multiple carriers and can:
Compare rates and find the best value
Customize coverage for unique properties
Assist with challenging cases like older homes, flood zones, or coastal areas
Our agency partners with top-rated insurance providers and helps homebuyers get the right coverage quickly and easily.
Ensure Buyers Understand the Coverage They Need
Many first-time buyers assume a basic homeowners policy is enough. Here are a few things they should consider:
Flood Insurance: Not included in standard policies. Required in flood zones.
Condo Master Policies: Buyers need to understand what’s covered by the condo association and what they’re responsible for.
Wind & Hurricane Deductibles: In high-risk coastal areas, these may require separate deductibles.
Pro Tip: If the home has an older roof (15+ years) or is in a high-risk area, coverage might be harder to obtain—or more expensive. Make sure buyers investigate this early.
Help Buyers Avoid Common Insurance Issues
Be sure your clients are aware of these often-overlooked situations:
Vacant Homes: May require a special policy until the buyer moves in.
Short-Term Rentals (Airbnb, VRBO): A standard homeowners policy won’t cover rental activity. Buyers need a landlord or short-term rental policy.
HOA Requirements: Some condo associations require specific liability limits. Buyers should confirm this before purchasing a policy.
Provide Buyers with a Trusted Insurance Contact
Instead of sending clients to shop on their own, connect them with an insurance expert you trust—someone who can walk them through the process and ensure nothing gets overlooked.
Need an insurance partner for your buyers?
We’re here to help. Send them our way, and we’ll take care of the rest.
We work with top insurance carriers and specialize in helping home and condo buyers get the right coverage at the best rate.
By following these best practices, you can help ensure your buyers secure the right insurance coverage, avoid closing delays, and move into their new homes with peace of mind.
With hurricanes, heavy thunderstorms, and rising sea levels, flooding is a recurring event in Dorchester, MA. The high risk should encourage everyone to secure flood insurance from Vargas & Vargas Insurance, yet only 23% of properties have coverage. If the high risk isn’t a motivator, surely property owners in the area will disclose flood information to buyers, right?
Does Massachusetts Law Require Flood Disclosure?
Surprisingly, no, it doesn’t. Sellers are not obligated to disclose their home’s flood history to buyers. Astonishingly, they can rebuild in the same spot after flood damage and sell it without informing the buyer. However, if the buyer asks a direct question, the seller must tell the truth. If they lie, the seller will face consequences.
For this reason, the Natural Resources Defense Council (NRDC) gives Massachusetts an F on its scorecard for not having laws related to flood disclosure. It is one of 18 states to receive this grade, and it’s unlikely to change in the foreseeable future. The team at Vargas & Vargas Insurance will notify you if it does.
How Can You Discover Flood Damage?
It’s your responsibility to research flood-prone neighborhoods in Dorchester, MA. If the mortgage company, real estate agent, or home inspection report doesn’t discover it or inform you, you must research the home’s flood history before you buy. Flood maps, sea level rise maps, coastal flood risk documents, and elevation maps of the state and city are excellent resources. Real estate websites and comprehensive loss underwriting exchange reports disclosing the home’s history are also helpful.
If you don’t speak up, you are taking a risk that the flood-prone home will flood again without your knowledge. When you secure flood insurance from one of our carriers, asking questions is optional. Flood insurance is the protection that repairs your home and replaces damaged belongings from flood damage. Call, email, or visit our office to speak to an agent about our flood insurance offerings.
What do we actually do when you request a quote? Are we just hitting a button on one website? Not even close. You’re about to find out what most agencies won’t tell you — and why that matters. In this article, you’ll get a behind-the-scenes look at how Vargas & Vargas Insurance compares coverage, coordinates condo policies, and gives you the clearest possible picture of your options.
We Don’t Just “Shop Around” — We Strategically Compare the 12 plus insurance Carriers
When you request a quote from Vargas & Vargas Insurance — whether it’s for auto, home, or condo insurance — we don’t just go to one provider.
We leverage a powerful quote platform that compares offers from all of the different insurance carriers including trusted names like Plymouth Rock, Travelers, Safety, and more. Why? Because each company values different things. One might reward your clean driving record, while another might raise rates based on your zip code in Dorchester.
Different Carriers, Different Priorities — That’s Why We Cast a Wide Net
Insurance pricing isn’t one-size-fits-all. Some companies love urban areas. Others? Not so much. Some give discounts for bundling auto and home. Others might price aggressively for new condos.
That’s why our team reviews all these variations — so you don’t end up overpaying for a cookie-cutter policy that wasn’t made with your life in mind.
If You’re Buying a Condo, You Need This Extra Step
Most agencies skip this, but we won’t. If you’re buying a condo, we go a step further and review your building’s master insurance policy.
Why does that matter? Because many condo buyers don’t realize they might be underinsured — or wasting money on duplicate coverage. By comparing the master policy with your quote, we ensure your personal policy fills in the gaps without overlapping coverage you already have.
We Show You the Process — So You’re Not Left Guessing
Let’s be honest: most insurance agencies don’t want you to see how the sausage is made. But we believe you deserve transparency.
That’s why we break down your quote in plain English, walk you through your options, and explain what your coverage actually protects — and what it doesn’t.
Here’s What to Do Next If You Want Your Quote Done Right
At Vargas & Vargas, we know it’s easy to feel overwhelmed when shopping for insurance. Maybe your current coverage feels unclear, or you’re tired of getting quotes that don’t make sense for your lifestyle.
Now that you’ve seen what we actually do behind the scenes — from comparing up to 15 carriers to coordinating master condo policies — it’s time to make sure your next quote is done with care.
👉 Call us today at 617-298-0655 or click below to request your quote online.
Is the lowest insurance quote always the best one? What are you not getting when you pick the cheapest option? Let’s talk about why that “great deal” might not be so great when you actually need it. In this article, you’ll learn what most agencies won’t tell you about coverage, deductibles, and how to truly protect yourself.
Yes, We’ll Show You the Cheapest Option — But That’s Just the Start
When you come to Vargas & Vargas Insurance for a quote, you’ll definitely see the lowest-price policy. But we won’t stop there — because what you don’t see on the quote sheet matters even more.
The cheapest policies often leave out key protections like:
Water backup coverage
Adequate liability limits
Personal property protection
You could save $100 today, but end up paying thousands when the unexpected happens. That’s why we believe it’s better to compare not just the price — but the protection.
Deductibles: Lower Premiums Aren’t Always Worth the Risk
Absolutely — here’s a rewritten version of that paragraph that incorporates your points and keeps the tone clear, helpful, and aligned with the rest of the article
Choosing a $2,500 deductible to save $30 a month might be a smart move for some — but not for everyone. That’s why we take the time to explain how that trade-off would actually play out in the real world, especially when it comes to filing a claim. We’ll also walk you through percentage-based deductibles — what they are, how they work, and why they can be risky in certain situations. You’ll leave the conversation knowing exactly what you’re signing up for, and whether it fits your comfort level and financial reality.
It’s not about cheap — it’s about what’s smart for you.
We Sell with Honesty, Not Pressure — Every Single Time
We’re not here to upsell or scare you into a pricier policy. And we’re definitely not here to push a rock-bottom deal that leaves you vulnerable.
Our job is to walk you through all your options — clearly, honestly, and with your best interests in mind.
We’ve served the Boston area for over 45 years, and we’ve seen it all. That’s why we take the time to explain what each quote really means, and why one option might make more sense for your situation than another.
What’s the Smartest Move for Your Insurance? Let’s Talk About It.
At the end of the day, the “cheapest” policy could be the most expensive mistake you make. Especially if it skips key coverage or gives you a deductible you can’t afford.
Now that you know what to look for — and what to ask — it’s time to get a quote that’s tailored to you.
📞 Call us today at 617-298-0655 or click below to get started online.
You’ll get:
Side-by-side comparisons of coverage and cost
Clear advice on deductibles that match your comfort level
No pressure — just real guidance from local experts
If you’re just looking for the lowest price, a broker might not be your best fit. That may sound odd coming from an insurance broker — but honesty is part of the deal when you work with Vargas & Vargas.
We’re not here to tell you what you want to hear. We’re here to tell you what you need to know. With 45+ years in the insurance industry, we’ve seen what happens when people chase the cheapest premium and ignore the fine print. It usually ends with big out-of-pocket expenses, confusion during claims, or gaps in protection they never knew existed.
In this article, we’ll explain exactly when working with a broker makes sense — and when it doesn’t.
If Price Is All That Matters, a Direct Company Might Be a Better Fit
Let’s be real — if you’re only interested in the lowest monthly premium, a direct insurer like GEICO or Progressive might give you what you’re looking for. You can quote online, click a few buttons, and get coverage fast.
But what do you give up in exchange for that price?
Ultra-low quotes often mean:
Lower liability limits (leaving you exposed)
No water backup coverage
Hidden deductibles
No advisor to help you if something goes wrong
Having Deductibles where there should be none
Short term policies (6 months instead of 12 months)
And when disaster strikes? You’re left alone with a 1-800 number and a policy you don’t fully understand.
What Makes a Broker Different — and Why It Matters
We don’t work for one company. We work for you.
As an independent broker, we partner with 12 to 15 top-rated insurance carriers and compare their offerings based on:
Your personal risk factors
The value of your home or vehicle
Your budget and deductible preferences
What’s actually covered — not just the price
That means you get the best possible value, not just the best possible price.
And here’s the part most people miss: Before every single renewal, we re-check your policy. If something has changed or a better option is available, we’ll reach out and walk you through the pros and cons of switching — without pressure.
Our Promise: Advice First, Sales Second
We’ve been serving clients in Boston and beyond for over 45 years. During that time, we’ve earned a reputation for being the team that tells it like it is — even when that means telling someone we might not be their best fit.
We’re not in this for one sale. We’re in it for the long haul. Our clients stick with us because they know we treat their policy like it’s our own — and we never disappear after the paperwork is signed.
Still Wondering If a Broker Is Right for You? Here’s What to Do Next
You came here to figure out if working with an insurance broker is the right move — and maybe discovered that for some people, it’s not. That’s okay.
But if you’re looking for more than just a cheap rate — if you want real advice, real coverage, and someone in your corner for the long run — Vargas & Vargas is here for you.
📞 Call us at 617-298-0655 or request a quote online.
You’ll get:
A side-by-side comparison of coverage, not just price
A policy tailored to your real-life needs
A broker who checks in before renewal — not just when you call
Your home isn’t just where you live — it’s where life happens. It’s filled with memories, milestones, and the people and pets that matter most.
So when disaster strikes — whether it’s a burst pipe, a break-in, or severe weather — it’s not just physical damage. It’s emotional. It’s disruptive. And it can feel overwhelming.
That’s why having the right insurance — and the right team — makes all the difference. At Vargas & Vargas Insurance, we’ve been helping Massachusetts homeowners file and navigate claims for over 45 years. If you’re facing damage to your home or just want to be prepared, here’s a step-by-step breakdown of what to expect during the homeowners insurance claims process.
Step 1: Stop Any Further Damage
If you’re in the middle of an active emergency, your first priority is safety — and then damage control.
Make sure everyone in the home is safe.
Stop any ongoing damage if it’s safe to do so (e.g., turn off the water, board up a window).
Take photos and save receipts for any temporary repairs or cleanup.
💡 Pro tip: If your insurer believes the damage could have been prevented, they may reduce or deny parts of the claim. Do what you can to minimize additional loss.
Step 2: Gather Detailed Information
Start documenting everything as soon as it’s safe.
What happened and when
What was damaged
Who was involved (if applicable)
Photos of all damage — ideally from multiple angles
📸 If your home was burglarized, be sure to file a police report.
Step 3: Decide Whether to File a Claim
You might assume you should file a claim automatically, but that’s not always the best move. Consider the following:
Is the damage even covered by your policy?
Is the cost of repairs below (or just above) your deductible?
Will filing a small claim increase your future premiums?
If you’re unsure, give us a call. Vargas & Vargas Insurance can help you run the numbers and make a smart, pressure-free decision.
Step 4: Understand What’s Covered — and What’s Not
Most standard home insurance policies cover:
Fire and smoke damage
Storm-related damage (if sudden)
Theft and vandalism
Water damage from burst pipes
Overflow damage from toilets or sinks
But there are some important limitations and exclusions. Coverage typically does not include:
Flood damage (requires separate flood insurance)
Gradual wear and tear
Damage from pests or neglect
Earthquakes (unless added)
Sewer or water backup (unless added)
If you have extra coverages like equipment breakdown, service line protection, or sewer backup, those are usually added by endorsement.
Step 5: Know Your Deductible
Your deductible is what you pay out of pocket before your insurance kicks in. Common deductibles are $500, $1,000, or $2,500.
Example: If your deductible is $1,000 and the repairs will cost $1,200, you’ll only receive $200 from the insurance company — and that small payout might not be worth the potential for a rate increase.
When in doubt, ask us. We’ll help you evaluate your situation.
Step 6: Call Your Insurance Agent
Once you decide to move forward with a claim, your first call should be to your insurance agent — not the insurance company directly.
At Vargas & Vargas, we’ll:
Collect your documentation
Answer your questions
Submit the claim on your behalf
Guide you step-by-step through the process
Step 7: Work With the Adjuster
After the claim is submitted, your insurance company will assign an adjuster. Their job is to:
Verify your report
Evaluate the damage
Determine what’s covered under your policy
It’s a good idea to be present when the adjuster visits, if possible, to walk them through everything and answer questions.
Step 8: Get Repair Estimates
Before starting repairs, get written estimates from licensed and insured contractors.
Why does this matter?
Your insurance company may not accept repairs done by unlicensed contractors.
You’ll need accurate estimates to negotiate your claim payout if the adjuster’s offer feels low.
It protects you legally and ensures the work meets code.
Step 8.5: Notify Your Mortgage Company (If You Have One)
If you have a mortgage, it’s essential to let your lender know you’ve filed a claim. Most insurance claim checks are issued to you and your mortgage company jointly, meaning both parties must sign off before the funds can be released.
Each lender has their own process, so the sooner you start communicating with them, the better. Some may require inspections, documentation, or staged payment releases during the repair process.
Skipping this step could lead to delays in getting funds released — and delays in starting your repairs.
Step 9: Wait for Your Claim Settlement
Once your claim is approved and a payout amount is agreed upon, the insurance company will start issuing your payment — but you likely won’t get the full amount upfront.
Here’s how it usually works:
Actual Cash Value (ACV) – This is the depreciated value of your damaged property. You’ll get this check first.
Replacement Cost – After you repair or replace the items and provide proof (invoices, photos), you’ll receive the rest of the funds to cover the replacement cost.
Why the split? Carriers want to ensure the repairs are actually completed before releasing the full amount.
Stay Calm — and Stay in Touch
Filing a home insurance claim is stressful, but knowing what to expect can make a huge difference. And remember: you don’t have to figure it out on your own.
At Vargas & Vargas Insurance, we’re with you every step of the way. From deciding whether to file to making sure you get what you’re owed, we advocate for you — not the insurance company.
And one last tip: make sure your coverage still fits your life. Home value changes, renovations, and new belongings can affect what you need. That’s why we recommend reviewing your policy with us at least once a year.
Questions About a Home Insurance Claim?
Whether you’re in the middle of a claim or just want to make sure you’re prepared, we’re here for you.
Have you ever wondered what would happen if your house got damaged? That’s where homeowner’s insurance comes in handy! It’s like a safety net for your home and belongings. In this blog post, we’ll explore how to handle insurance claims if something goes wrong with your house.
What is Homeowner’s Insurance?
Homeowner’s insurance is a type of protection you can buy for your house, condominium or apartment. It helps pay for repairs or replacements if your home or stuff inside it gets damaged. This insurance can cover many different problems, like:
Natural disasters (like storms or floods)
Fires
Theft
Accidents that hurt people visiting your home
Lawsuits
It’s important to have this insurance because repairing your home or condo after damage that has occured can cost a lot of money!
Common Types of Insurance Claims
There are three main types of claims that homeowners often make:
Damage to the house: This could be a tree falling on your roof, a pipe bursting and flooding your basement, or your roof is damaged.
Damage to personal belongings: This covers things like furniture, clothes, or electronics that get stolen or ruined.
Liability claims: These happen when someone gets hurt while visiting your home, or away from your home (with the correct coverage in place).
If something bad happens to your house, here’s what you should do:
Call your independent insurance broker-agent or insurance company right away. Tell them what happened.
Take lots of pictures of the damage. This will help prove what happened.
Keep all receipts if you have to buy things or fix stuff before the insurance company looks at the damage.
Start looking for licensed and insured experts to give you a quote to repair the damage.
The insurance company will send someone called a claims adjuster to look at your house. They’ll advise you how much money you should receive to repair the damages.
Be patient! Sometimes it takes a while to get everything sorted out.
Tips for a Smooth Claims Process
To make sure everything goes well when you file a claim, try these tips:
Know what your insurance covers. Read the exclusions portion of your policy carefully or ask your independent insurance broker-agent to explain it.
Make a list of all your important things and how much they cost. This will help if you need to replace them.
Understand how much you might have to pay out of pocket, this is called your deductible.
Keep your house in good shape. Fix small problems before they become big ones!
Sometimes, the insurance company might say no to your claim. Don’t worry! You can send them further information. Here’s what to do:
Ask the insurance company why they denied your claim
Look for any new information that might help your case.
Write a letter explaining why you think they should pay for the damage.
If they still say no, you can ask for help from your state’s insurance department.
And, if they still deny your loss, consider working a highly recommended and rate public adjuster
Remember, it’s always better to be prepared before something goes wrong. Take some time to become familiar with your insurance policy now. Make sure it covers everything important to you. If you’re not sure about something, ask your insurance agent for help.
Dealing with insurance claims can seem tricky, but if you follow these steps, it becomes much easier. Keep calm, stay organized, and don’t be afraid to ask questions. Your home is important, and having the right insurance can give you peace of mind.
By understanding how your home, condominium or renters insurance policy works and how to handle claims, you’re taking a big step in protecting your home and family.
If you have any questions about homeowner’s insurance or need help with your policy, don’t hesitate to reach out to a professional. Vargas & Vargas Insurance, your local independent insurance broker, can be reached at 617-298-0655 for any questions you may have.
We’ve all seen the comforting insurance commercials:
“Like a good neighbor…”
“You’re in good hands…”
These slogans suggest that your insurance company is always there to cover anything that goes wrong. But here’s what they don’t tell you—insurance isn’t designed for every little issue, and using it the wrong way can actually cost you more in the long run.
Let’s break down what insurance is really for, when you should and shouldn’t use it, and how to protect your home the smart way.
The Problem – Common Insurance Misconceptions
Many homeowners believe that because they’ve been paying premiums for years, they should be able to file claims for anything—from a small roof leak to a broken fence. But that’s not how home insurance works.
Home Insurance Is for Major, Unexpected Losses
Think of home insurance like car insurance. If you get into a major accident, your policy covers the damages. But you wouldn’t file a claim for new tires or an oil change, right?
The same logic applies to your home. Insurance is designed to protect against:
✔ Fires
✔ Storm damage
✔ Major structural issues
✔ Unexpected, catastrophic events
It is not meant to cover:
✖ Regular wear and tear
✖ Minor maintenance issues
✖ Gradual damage from neglect
The Cost of Filing Too Many Claims
When homeowners file too many small claims, two things happen:
Premiums Increase: Insurance companies view frequent claim-filers as high-risk.
Policy Cancellation Risk: If an insurer believes you rely too much on your policy, they may cancel your coverage altogether—making it harder and more expensive to find new insurance.
The Reality – How Insurance Actually Works
Every time you file a claim, it stays on your record. Even if it’s a small claim, insurers track your claims history and adjust your rates accordingly.
Example: How Small Claims Add Up
Let’s say in three years you file:
A claim for a minor roof leak ($2,000)
A claim for a plumbing issue ($1,500)
A claim for wind damage to your fence ($1,000)
Individually, these seem reasonable. But together? You now look like a homeowner who depends on insurance for routine upkeep.
That’s when insurance companies start:
Raising your premiums
Labeling you as high-risk
Potentially dropping your policy
Before filing a claim, ask yourself: Is this claim worth it in the long run? If the repair cost is close to your deductible, it’s often better to pay out of pocket and avoid adding another claim to your record.
A Smarter Approach – Taking Control of Home Expenses
So, what’s the better way to manage home repairs and keep your insurance costs low? It’s all about being strategic and proactive.
1. Maximize Your Deductible to Save on Premiums
One of the most effective strategies is to increase your deductible. By choosing a higher deductible, you can:
💰 Lower your annual premium
🚫 Avoid the temptation to file small claims
🛡️ Reduce the risk of policy non-renewal due to claim frequency
This approach not only saves you money each year—it also protects your insurability by keeping your claims history clean. If you’re only filing claims for major losses, your insurance company sees you as a lower risk, which can lead to better long-term rates and fewer coverage issues.
2. Have an Emergency Fund
Setting aside a cushion for small repairs means you won’t feel the pressure to file a claim every time something breaks.
3. Keep Up with Maintenance
Routine maintenance prevents minor issues from becoming major headaches. Take care of your home like you would your car—it pays off.
4. Be Strategic with Claims
If the repair cost is close to your deductible, it’s often better to pay out of pocket and preserve your clean record.
We’re Here to Help
At Vargas & Vargas Insurance, we understand that navigating insurance can be complex. Our goal is to provide you with the knowledge and support you need to make informed decisions about your coverage.
Have questions or need assistance with your policy? Give us a call at 617-298-0655. We’re here to help you protect what matters most.
What happens if your condo becomes uninhabitable after a fire or water loss?
Would your current insurance policy cover the cost of a temporary place to live?
In this article, we’ll explain exactly how “Loss of Use” coverage works in a Massachusetts HO6 personal condo insurance policy—and why many condo owners find themselves underinsured when it matters most.
You’ll learn how to calculate your coverage, what expenses are included, and how to protect yourself from major financial gaps if your condo suffers serious damage.
🏠 Understanding Loss of Use in Your HO6 Condo Insurance Policy
A personal condominium insurance policy—also known as an HO6 policy—is a package policy that includes different types of coverage. One of the most overlooked (yet critical) sections is “Loss of Use” coverage.
This part of your policy helps pay for additional living expenses (ALE) if your condo becomes temporarily uninhabitable due to a covered event like fire or water damage.
🔍 How Is Loss of Use Coverage Calculated?
In Massachusetts, your Loss of Use limit is typically a percentage of your personal property limit.
Let’s break that down with a real-world example:
If your HO6 condo insurance policy includes $25,000 in personal property coverage, and your Loss of Use limit is 30%, your maximum benefit for temporary living expenses would be:
$25,000 × 30% = $7,500
That $7,500 would need to cover your monthly rent, utilities, and other additional living expenses while your damaged condo is being repaired.
🏚️ But Is That Enough to Cover Your Temporary Living Expenses?
Consider this: If your condo needs several months of repairs after a major loss, would $7,500 stretch far enough to pay for:
Rent on a comparable temporary apartment
Heat and electricity
Additional commuting or storage costs
Pet boarding or rental deposits
Meanwhile, you’re still responsible for paying your usual monthly mortgage, condo fees, and real estate taxes—none of which stop just because you’re displaced.
🛑 Your Condo Association’s Master Policy Doesn’t Cover This
Many condo owners mistakenly believe their Condo Association’s Master Insurance Policy will help in these situations.
But that policy typically only covers common areas and the structure itself—not your personal belongings or your cost of living while your unit is being repaired.
✅ What You Can Do Right Now: Review and Adjust Your Coverage
Pull out your HO6 condo insurance policy.
Review the Loss of Use section and see what your current limit is.
Ask yourself: “If I had to move out for 3–6 months, would this be enough?”
Talk to your insurance advisor about increasing your limits or adjusting your personal property coverage to boost your Loss of Use protection.
📣 Final Thoughts
Loss of Use coverage can easily be overlooked—until it’s urgently needed. By reviewing your current condo policy now, you can avoid costly surprises later and ensure your family is protected in the event of a major loss.
Need help reviewing your HO6 coverage or adjusting your policy? Give us a call at 617-298-0655. The Vargas & Vargas Insurance team is here to walk you through it, answer your questions, and make sure you have the right protection in place.
