Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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Tips to care for your classic car

Owning a classic car can be a great joy and an exciting hobby here in the Dorchester, MA area. However, taking care of your classic car is no small feat. Here are some tips from us at Vargas & Vargas Insurance to help you keep your classic car in excellent condition: 

1. Regularly Check Fluids – Keeping the engine fluids of your classic car at the correct level is essential to its good health. Regularly check the oil, coolant, brake fluid, transmission fluid, and power steering fluid levels and top off when needed. 

2. Protect from Rust – Rust can quickly damage the body of your classic car if not taken seriously. Treating any rust spots with a rust-inhibiting primer as soon as they appear will help protect them from further damage. Covering exposed metal parts with wax or protective paint will also help keep the rust away. 

3. Invest in Quality Parts – Using quality parts when repairing or upgrading is critical to keeping your classic car running smoothly for years. Buying cheap parts that don’t meet your vehicle’s specifications may lead to bigger problems down the road, so it’s essential to do research before deciding what parts you use for repairs or replacements. 

4. Perform Regular Maintenance – Just like any vehicle, regular maintenance is important for keeping your classic car running well over time and avoiding costly breakdowns in the future. Take the time to change spark plugs, filters, and other components as necessary, and ensure everything is working correctly before putting it back on the road again. 

For more tips, please call us at Vargas & Vargas Insurance today. We are proud to serve the Dorchester, MA area.

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What Does Home Insurance Cover?

The agents at Vargas & Vargas Insurance serving the Dorchester, MA area offer home insurance policies to protect and secure one of your most significant investments.

While home insurance is not required under Massachusetts law, having a good policy in place is still very important. If you owe money to a bank or mortgage lender for the purchase of your home, you will be required to carry a home insurance policy. Even if you’ve already paid off your house, you should still have homeowners insurance because you never know when disaster will hit.

What Does Home Insurance Cover?

A home insurance policy will cover the structure of your house along with the items inside of your house. These can include your personal belongings, such as toiletries, clothing, and jewelry, as well as your furniture, appliances, and so much more.

A variety of home insurance policies also cover any outbuildings on your property. These can include garages and sheds as well as decks and porches.

You never know when your house will become damaged or destroyed by a natural disaster, a fire, or even an act of vandalism. You also can’t predict that your home will be burglarized, but in any of these cases, your home insurance policy will help replace the lost items and repair or rebuild your house.

Contact Vargas & Vargas Insurance

The old saying, "It’s better to be safe than sorry," applies to home insurance policies. To create the best home insurance policy for you and your situation, contact the agents at Vargas & Vargas Insurance serving the Dorchester, MA area today!

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What Does Renters Insurance Cover?

The agents at Vargas & Vargas Insurance serving the Dorchester, MA area are happy to explain the importance of having a renters insurance policy.

Many people who rent their home, apartment, or other types of home are under the impression that their landlord’s property insurance policy will cover their personal belongings, but that is not the case. While most landlords in Massachusetts are required to have property insurance on the properties they own, it does not cover the belongings of the tenants living in these places. This is why a renters insurance policy is so fundamental for all tenants to have in place.

What Does Renter’s Insurance Cover?

Renters insurance will cover all of your personal belongings, such as your clothing and toiletries, furniture, appliances, and anything else you have purchased for your home. This means that if your house catches on fire, you will not lose everything you own because your renter’s insurance policy will assist you in replacing the items you lost and then getting back on your feet. A renters insurance policy can also assist you if a natural disaster occurs and destroys or damages the home you are renting or if the place is vandalized. A renters insurance policy can also assist you in paying for items that are stolen in a burglary.

Contact Vargas & Vargas Insurance

To obtain an adequate amount of renters insurance for your situation, you will need to create a policy. Call the experienced and knowledgeable renters insurance agents at Vargas & Vargas Insurance serving the Dorchester, MA area today to obtain a quote and to get your renter’s insurance policy started!


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Caring For Your Motorcycle During the Off-Season in Dorchester, MA

For motorcycle owners in Dorchester, MA, the off-season can be a great time to keep your ride in top condition. With proper care and maintenance, you can ensure that your motorcycle runs smoothly when the spring arrives.

Cleaning and Waxing 

Before putting your motorcycle into storage, you must give it a thorough cleaning and waxing. Use a mild detergent and soft cloth to clean your bike, then apply a wax coating to protect against the elements. This will help to protect your bike’s paint job from any dust or dirt that may accumulate while it’s in storage. It will also help prevent rust or corrosion from taking hold when exposed to moisture. 

Lubrication Maintenance 

Another critical step is lubricating your bike’s moving parts before storing it away for winter. This includes everything from chains and cables to brakes and bearings, so pay special attention to these areas during the lubrication process. You should also check all nuts and bolts to ensure they are tight, as loose parts can cause significant damage down the road if not taken care of now. 

Insurance Coverage Review 

Finally, reviewing your insurance coverage when preparing for the off-season months is always a good idea. Ensure that you have adequate coverage for any potential losses or damages that could occur while your bike is in storage. If you’re looking for a reliable motorcycle insurance policy, look no further than Vargas & Vargas Insurance. We offer competitive rates throughout Dorchester, MA, and beyond—so don’t hesitate to contact us today if we can assist you with finding the proper coverage.

To learn more about our insurance policies or get started with a free quote, don’t hesitate to contact Vargas & Vargas Insurance today! We look forward to helping you get ready for the off-season!

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What Is Umbrella Insurance Policy, Do You Need It?

A personal umbrella policy provides additional liability protection beyond the liability limits that you now carry on your home, renters, or condo insurance and auto insurance. If you are sued and exhaust your existing liability coverage, the umbrella policy will take care of the remainder up to the limit you selected.

Furthermore, it covers legal costs while defending or settling a lawsuit. In certain situations it may even provide coverage not available in your original policies.

Carrying umbrella insurance makes you less stressed about the future.

Worrying about how a lawsuit down the road could destroy you financially is stressful. Purchasing umbrella insurance is the ideal way to avoid such stress.

Umbrella insurance provides a safety net and protects your finances from the uncertainties you face in the coming years.

Umbrella insurance allows you to participate in activities you love without the risk.

Umbrella insurance is particularly recommended for those who participate in certain activities. For example, umbrella insurance coverage is recommended for consumers who use recreational vehicles or coach children’s sporting activities.

Umbrella coverage is also recommended for those who serve on an organization’s board or participate in activities such as hunting.

With umbrella insurance, you can enjoy activities like these that may leave you open to financial risk without adequate coverage.

Umbrella insurance protects your hard-earned money.

It’s typically recommended that consumers carry enough umbrella insurance to cover the full value of their net worth. That’s because umbrella insurance protects all of the hard-earned money a consumer has saved up throughout their life.

Umbrella insurance protects the funds and assets you have worked hard to accumulate throughout your life.

What does it cost?

The good news is probably not as much as you think. Costs of personal liability umbrella policies range based on various factors such as how many properties you have, how many autos you have, your driver history, and your experience as a driver.

A $1 million policy may cost between $160 and $300 per year. As you increase policy limits beyond $1 million, the premium cost increases in smaller increments. For example, a $2 million policy might only cost 1.8 times the cost of the million dollars one, a $3 million dollar policy might cost 2.55 times the million dollar policy, and a $10 million dollar policy might cost 8.9 times the million dollar policy.

Your Local Independent Insurance Broker

At Vargas & Vargas Insurance we always have time for you, you can reach our team at 617-298-0655, we  can help make sure that your financial future is properly insured. Give us a call to get a quote on an umbrella insurance policy!

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What does flood insurance consider to be a flood?

Living in, Massachusetts means that you may need to consider flood insurance. But before you decide to invest in a policy, it’s important to understand what constitutes a flood and how flood insurance can protect your home and possessions. In this post, Vargas & Vargas Insurance looks at some of the key facts about floods and flood insurance.

What is Considered a Flood? 

According to FEMA, flooding is a temporary condition where two or more acres of dry land become wholly or partially submerged in water.

In other words, if water accumulates in an area that would normally be dry, such as your lawn and driveway, it is considered flooding. It doesn’t have to be an overflowing river; even heavy rain that causes puddles on your property can count as flooding.

What Does Flood Insurance Cover? 

Flood insurance covers damage to your home caused by the rising waters associated with flooding. This includes physical damage to the structure itself (walls, floors, roofing), any items contained within the structure (furniture, electronics), and any appliances that are connected to the house (such as HVAC systems). It also covers items outside the structure, like decks and fences. Additionally, it will cover cleanup costs associated with restoring your property after it has been flooded.

Now that you know what constitutes a flood—and what is covered by flood insurance—you can make an informed decision about whether purchasing flood insurance makes sense for you and your family. To find out more information about getting coverage in Dorchester, MA, contact Vargas & Vargas Insurance today! We’ll help you get the right policy for your needs so you can rest easy knowing that your home is protected against floods!

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If You Are a Renter, Protect Your Possessions with Renters Insurance

Do you rent in Dorchester, MA? Are your personal possessions protected with renters insurance? If not, Vargas & Vargas Insurance can provide it.

If you currently rent a home or apartment, you will need insurance coverage to protect your personal possessions. Your landlord’s property insurance only covers his building, not your belongings.

Your personal property will only be covered with renter’s insurance, which you will have to provide. Most homeowners have an insurance policy, but only 41% of renters have renter’s insurance. Why? Many people incorrectly make the assumption that their landlord’s insurance protects them.

Also, they underestimate the value of the things they own. Just consider your electronics. It wouldn’t be a stretch to say that the value could get into the thousands. Then add to it your clothing, furniture, kitchen supplies, etc. You have more than you realize, and replacing them would cost a lot.

If you own a dog and it decides to bite a visitor or neighbor, you could be faced with a lawsuit. A renters’ policy provides the liability coverage needed in this case.

Renters’ insurance is affordable. The average policy costs between $15 and $30 per month. It will vary based on the coverage you choose, the deductible amount, and where you live.

As with every insurance policy, there are some exclusions.

  • Damage caused by aircraft or vehicles
  • Earthquakes
  • Explosion
  • Falling objects
  • Fire or lightning
  • Floods
  • Riot or civil unrest
  • Smoke
  • Theft
  • Vandalism
  • Volcanic eruptions
  • Weight of sleet, snow, or ice
  • Windstorm or hail

Protect what you worked hard to obtain. Renter’s insurance is a very affordable protection that every renter should have. Vargas & Vargas Insurance can provide a no-obligation quote or answer any questions you may have. Contact our team today. You will be glad you did.

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What to Expect From Condo Insurance

What is condo insurance? Buyers may be wondering about this while searching for the right insurance plan. Similar to homeowner’s insurance, condo insurance covers scenarios of unexpected damage or losses from a condominium unit. This could include repair costs after a perilous event, repayment for lost or stolen items, or renovation costs for remodeling broken parts of the condo. 

At Vargas & Vargas Insurance, we proudly offer insurance to the condominium owners of Massachusetts. 

Buying Condo Insurance: What to Expect

Getting condo insurance is generally a good idea if you’re at risk of property damage or loss of personal belongings. Some mortgage lenders or property owners will require you to purchase condo insurance to own the condo. Either way, this type of insurance will give you peace of mind in the extreme case of a fire, a storm, or a break-in. 

At Vargas & Vargas, you can expect condo insurance to cover specific policies, such as damage to the plumbing, the HVAC system, the water pump, or broken windows or doors. While often covering storm damage situations, our insurance package also covers theft, vandalism, or impact from vehicles or aircraft.

Getting in Touch in Massachusetts

Before purchasing insurance coverage, you should check with your condo’s association policies to see what the insurance requirements are and what’s already covered by the property owners. Once you know the value of your condo, one of our agents will craft an insurance plan that covers all of your needs. While speaking to a representative, you can expect to be asked specific questions about your living situation – like belongings you own. In Massachusetts, it’s common for insurers to cover computers, entertainment systems, and expensive artwork kept inside the condo. Once you’ve purchased your coverage plan, our agent will explain how you can file an insurance claim when need be. 

Are you interested in hearing quotes? Contact Vargas & Vargas Insurance at 617-298-0655. Our team would be glad to answer any of your questions. 

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Getting your Dorchester area home ready for winter with the right insurance

Vargas & Vargas Insurance is here for the residents of Boston, MA, and the surrounding area. If you are considering a new home purchase or want to make sure that you have the right insurance in place before winter arrives, give our office a call.

Get your home ready for winter with the right insurance

Winters can be disruptive in our area, and it only makes sense to carry the correct type of insurance at the correct policy levels. If it’s been a while since you have reviewed your policy, now is a great time to do so. Home insurance needs can change over time, so it is advisable to review your policy regularly.

In the lead-up to winter, be sure to have your home ready for the weather. Make sure your home policy contains all the coverage you need. Roofs, windows, and outbuildings are often frequent targets of loss and damage. Be sure that your policy covers such items and at the correct amount.

Liability coverage is another part of your policy that is important to review. If someone were to slip and fall on ice located on your property, you could be held financially responsible for any injuries that they sustain. Ensure that your liability is at the correct level and provides the protection you need.

Now is the perfect time to get your home ready for winter!

Give us a call today!

Boston, MA, area residents can turn to the Vargas & Vargas Insurance team for all their insurance needs. We handle all types of insurance, including homeowners. Let us help you ensure that you have the proper protection. Call or stop by today!

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Protect Your Family Assets With Umbrella Insurance in Massachusetts

When you live in Dorchester, MA, it’s essential to have umbrella insurance. This type of insurance can help protect your family assets in case of an accident or lawsuit. Here are some things to consider when choosing umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is liability insurance that can help protect you and your family financially if you are sued or held liable for an accident. It can provide coverage above and beyond your regular homeowner’s or auto insurance policy limits.

Your Vargas & Vargas Insurance Agency can help you understand what you need to know about choosing the right umbrella insurance for you and your family.

Why Do I Need Umbrella Insurance?

Dorchester is a bustling city with a lot of traffic. This can increase your chances of being in an accident. If you are at fault in an accident, your regular insurance policy may not cover all the damage. This is where umbrella insurance can help. It can provide coverage for things like medical expenses, property damage, and legal fees.

As a homeowner, you are also at risk of being sued. If someone has an injury on your property, they may sue you to cover their medical expenses. Umbrella insurance can help protect your assets in this situation. If you have a pool, playground equipment, or other hazards on your property, umbrella insurance is also a good idea for peace of mind.

How Much Umbrella Insurance Do I Need?

The amount of umbrella insurance you need depends on your assets and income. It would help if you considered how much coverage you would need to protect your home, savings, and future earnings. A financial advisor can help you determine the right coverage for your needs.

Talk to your Vargas & Vargas Insurance Agency about umbrella insurance in Dorchester, MA.

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