How to Handle Insurance When the Kids Go or Come Back from College?

College is an exciting time for any youth. It’s their first step into the real world while getting an education to help improve their lives. Given the costs of education, the last thing anyone wants to worry about is extra expenses. So, how should you handle your insurance policy when your child is off to further his or her education?

When to Remove Your Child from the Policy

A common rule of thumb is that you should drop your child from your insurance if they are attending a school that is more than 100 miles away. This is because a lot of insurers believe anything closer may prompt the child to come home often and drive.

It may also be a good idea to consider dropping the child if he or she is living on campus. This is because the likelihood of driving decreases, depending on the situation. Also, if your child isn’t planning on taking a vehicle to college, there’s really no reason to insure them.

When Should You Keep Your Child On Your Policy?

Perhaps the obvious reason to keep a child on a policy is if he or she is planning to live at home while attending college. But let’s go a bit further than that.

What if your student travels home frequently? What if it’s a common thing for your child to come home on the weekends? This is why it’s common to keep a child on a policy if the school is within a 100-mile radius.

Lastly, a lot of parents will pay some of the child’s bills to help with college expenses, which often includes insurance. It’s just one less thing the child has to worry about besides school work.

What About Returning Home for Extended Periods, Such as Spring Break?

If your child is planning on coming home for extended periods of time, such as breaks or vacations throughout the year, it’s probably a good idea to add them to your policy again.

Usually, the costs for doing so are nominal. For most insurers, it’s not a difficult process for a short-term policy change during those time-off periods.

Can You Drop the Child to an Occasional Driver?

Some insurance policies give you the option to drop someone to an “occasional” driver. This is usually someone who accounts for less than 25% of the vehicle’s annual mileage.

Now, not all insurers have such options available. Those who do also may have their own definitions about what qualifies as an occasional driver.

In any case, it could decrease how much you pay in premiums depending on your policy. How much it decreases is also dependent on the insurer.

Does Your Child Qualify for a “Good Student” Discount?

Something else you could consider is whether your child can qualify for a “good student” discount. In many instances, this depends on a couple of factors:

  • Is your child under the age of 25?
  • Can your child maintain a B average or better?

The better your child does in school, the cheaper the rates. This means you or your child can save money regardless of who pays for the insurance.

However, not all insurers have a “good student” policy available. It’ll be in your best interest to find out if something like this exists. Anything to decrease the monthly bills is going to be a benefit for all involved.

Find the Best Rates for Your College Students

College is a formative point in a child’s life. You want to make sure you or your student doesn’t have to stress too much about auto insurance. Contact us today at Vargas & Vargas Insurance to get a quote that works for you and your family.

We’re happy to further answer any questions you might have about your college student and his or her driving habits.

What Happens if Two People Involved in an Accident Have the Same Insurer?

When an accident occurs, it is often customary to contact an insurance agent. But what happens when two people in an accident have the same insurance company? Well, it’s often handled the same but with a few minor adjustments.

In the end, it usually falls under who is to blame to pay for damages regardless of his or her insurance company. Having the same insurer doesn’t change the bottom line. However, the insurer may take steps to avoid issues among clients.

No Bias in Decisions

In many cases, the insurance company will assign two different adjusters to the separate claims. They may also make adjustments to the claims to avoid a conflict of interest.

It comes down to legally being required to handle claims in an efficient manner regardless of whether both parties have the same insurer or not. This also means that you can expect claims to take roughly the same amount of time.

In some cases, the insurance company can waive any deductibles should both parties use the same vendor. But that is often on a case-by-case basis and greatly depends on the insurer.

In every case, though, the process should be relatively the same. Simply contact your agent and process the claim as you normally would.

Who is Cited for Blame?

To ensure one party is at fault over another, a police report can be filed. In most cases, the officer will attest to which driver is to blame, which can ultimately change how the claims are processed.

While not every accident may require the assistance of a police officer, it can help things move along smoothly. Otherwise, it could be a painstaking process should neither party admit to being at fault.

In the event of both parties agreeing to be at fault, the insurance company may assign percentages of claims to both parties depending on the damages suffered. This will be up to the insurer and usually based on the total damages of both vehicles.

An example of this is in the event of one driver tailgating another. This is when a driver is following a vehicle much too closely. If the front driver immediately slams on his or her breaks, it could cause a rear-end collision. After an investigation and the officer deems both parties as negligent, then both could be at fault.

Of course, in this scenario, it really depends on why the front driver had to slam on the breaks in the first place.

Not Much Really Changes

In the grand scheme of things, not many changes if both parties have the same insurer. Though, a few minor things may change to avoid a conflict of interest or prevent the feeling of “favoritism.” For instance, what if the same agent handles both clients prior to an accident? That’s when a newly assigned adjuster would assist one of the parties.

But generally speaking, the claims are handled in the same fashion as if two different insurance companies were involved.

At Vargas & Vargas Insurance, you can rest easy knowing that we take a fair stance with all of our clients in the event of an accident. If you need auto insurance, contact us today and let us help protect you and your family.

When is Your Home Insurance Denied and What Can You Do?

Home insurance is there to help pick up the pieces in the event of a catastrophe or mishap. From direct damage due to third-party negligence to shielding you from nature’s wrath, being insured is vital. But when can your home insurance get denied by your current carrier? What can you do when you find yourself without proper coverage in the event of an emergency?

The truth of the matter is that there are a lot of things that can cause your carrier to drop you from being insured. It all really centers around the policies and practices of each individual company.

However, there are a few that are almost universal among many carriers. Some of the more common include:

  • If the house becomes in extreme disrepair
  • Non-disclosure of damages to, or the result of, the home
  • Insurance fraud
  • Non-payment of premiums
  • Excessive past claims
  • Missing a filing deadline
  • Criminal record of certain judgments, such as arson
  • Certain types of dog breeds

This is by no means a complete list. The problem is that every insurer has its own guidelines to follow when it comes to the home. However, the above problems are common among many companies and something you should consider when your home insurance is denied.

What about being denied specific claims from your insurer? In many cases, this happens because of a lack of specific coverage. For instance, earthquake and flood protection often require their own insurance plans separate from the home.

Some insurers will still cover you even if you’ve experienced any of the above. However, the premiums you’ll have to pay are usually quite higher. This is because you’ve been established as “high risk.”

If someone or the property is deemed as a high risk, this means that there is a greater chance of the insurer losing money due to damages.

What Can You Do When Home Insurance is Denied?

You could always appeal to the insurance company and plead your case. In some instances, this may prove beneficial, especially if you’ve invested in preemptive measures.

For example, taking the time to make sure the home is up to code and in good condition after a denial may change the mind of an insurer. Especially if you can reinforce the validity of the repairs by having the home inspected.

Your local independent insurance agent is the best way to appeal your case as they have a relationship with the insurance company.

Another thing you can do is spend time looking for an insurer who’ll cover your home. As I said, every insurer is different and some may be willing to overlook specific issues. But that’s when your payments may increase due to being a high risk, as mentioned above.

Bear in mind that the very reason why one insurer dropped or denied you could be why it’ll be difficult to find another. At least not without addressing why you were denied in the first place.

Never Give Up, Proper Protection is Worth the Effort

If you’ve been denied in the past for home coverage, give us a call at Vargas & Vargas Insurance. Contact us today to see if we can help you get the coverage you need to protect your investment as well as your family.

In the worst-case scenario, you don’t want to face disasters and accidents alone. We are able to give you some peace of mind by finding the insurance coverage that you require.

Spring Maintenance for Your Car (To Help Avoid Auto Insurance Claims!)

Keeping up with your car’s maintenance can be a hassle…but we’ve got exciting news for you! By prioritizing the maintenance schedule for your car you can avoid some potential insurance claims!

Does keeping up with my car’s maintenance really make a difference?

We know, it’s draining to try to stay up to date on car maintenance. It seems like there’s always something to fix! Unfortunately, a lot of people avoid taking care of their cars until it is too late. According to research from the National Highway Traffic Safety Administration reported by Fox13, the average amount of car accidents due to poor maintenance tallies in at a whopping 45,000. You definitely don’t want to be a part of that statistic. Read on for some helpful tips to avoid insurance claims and enjoy safe travels!

What should be on my maintenance checklist?

One item you’ll definitely want to include on your checklist is to inspect your tires! Make sure they still have good traction and check to be sure the tire pressure has an ideal PSI. This is something you’ll want to do routinely – not only during springtime!

Other items to include on your auto maintenance checklist:

A few other important things to stay on top of:

  1. Schedule an oil filter change. Oil reduces the friction between moving parts in a running engine. If you don’t have your oil changed you could do serious damage to your engine.
  2. Replace windshield wipers. You don’t want to be caught in rain (or snow) with inadequate wipers! You won’t be able to see what’s in front of you which could result in an accident.
  3. Check your battery. Be proactive about checking your car’s battery! Even if it seems to be working fine, it is always a good idea to have the battery inspected to prevent an unexpected failure.
  4. Check your lights. Even in normal driving conditions, using your headlights anytime you’re driving has been proven to reduce accidents by 5-10%. Why not take it a step further and make sure every light on your car is in good, working condition?

Don’t forget the finishing touch!

As part of your spring auto maintenance schedule, consider having your car detailed. Chances are high that your car looks a little worse for the wear after all of the snow and dirt from this winter. Give your car a spring cleaning that will leave you feeling refreshed and confident in your car. We recommend Neponset Circle Car Wash for all your detailing needs!

Stay up to date and stay safe!

All of the preparation in the world can’t prevent every accident, so make sure your auto coverage is sufficient by referencing this guide.  Now, no matter where you’re headed, you can travel confidently and safely knowing that you’ve stayed up to date on your maintenance! 

Vargas & Vargas Insurance, we can help you customize your auto insurance so that it works best for you. We are one of the premier local independent insurance agencies, and we truly work for our clients, not ourselves. Our team of friendly experts would be happy to answer all of your insurance questions. Contact us today.

Save Money This Summer with AC Maintenance

As we’re nearing the warmer months of the year, it’s time to start thinking about how your air conditioner performs. And I’m talking about both central air and window-based units. With proper AC maintenance, you could save quite a bit of money.

Not only does maintenance help you save on the electricity bill, but it can also prevent accidental fires and other forms of property damage. For example, do you know how much a leaky swamp cooler could cost you in repairs if not dealt with immediately?

So, what are some ways to protect your home and your bank account?

Clean and/or Replace Filters

A clogged filter can cause all kinds of issues for any HVAC system. Even window-mounted air conditioners can form sheets of ice if the filter is clogged. And that causes a completely different problem.

This isn’t to mention how a clogged filter causes the unit to work much harder to cool the home. This, in turn, results in wear-and-tear leading to malfunctions and repair costs much sooner than anticipated.

Make sure all of your filters are either replaced or cleaned, depending on the type of system you have in the home.

Ensure Ductwork and Intakes are Clear of Debris

Over time, ductwork and air intakes for HVAC systems can become filled with dust and various forms of debris. Part of your annual AC maintenance should include ensuring the system has clear access to move air.

This means also going outside and making sure bushes, plants, and other elements are clear of the air conditioner.

In the event of a swamp cooler, it’s probably a good idea to install new pads. Wind can blow all kinds of debris into the wells of the evaporative cooler, which means it will have a harder time pulling air in to cool.

Properly Inspect Power Cords and Electrical Connections

Always ensure your power cords and electrical connections for the HVAC system are properly secured. In some cases, it may be a good idea to call an electrician to verify your power cables don’t pose a threat to the home.

While you’re at it, also make sure you don’t have too much of a load on a single power socket.

A lot of people will use extension cords and power strips to accommodate their electronics. The end result could be a fire caused by an over-taxed power cable trying to draw more power than the strip can handle.

Out of the different forms of ac maintenance, your power consumption is perhaps one of the most important to verify.

Inspect Weather Stripping Along Windows and Doors

Weatherstripping is one of the most important facets of saving money for both heating and cooling needs. This is the fine strip or silicone that lines the edges of windows and doors.

Making sure the strip is in good condition means less cool air escapes to the outside. Thus, your home stays cooler for longer periods of time.

Consider Shades or Blackout Curtains

Sunlight coming into the home can generate a great deal of heat. Depending on where your windows are located, the home could be exposed to a continuous bombardment of sunlight.

Blackout curtains are relatively cheap and can stop the light and heat from the sun.

If you don’t like the idea of sunlight being completely blocked, you can always go with shades or other window dressings that limit how much light comes into the home.

An Ounce of Prevention is Worth a Pound of the Cure

Preventing issues through ac maintenance today can save you a small fortune down the road. And don’t forget, you could always approach the homestead from the perspective of going green. For example, adjusting your thermostat so the AC isn’t constantly running.

After ensuring your cooling systems are running efficiently, give Vargas & Vargas Insurance a call to also make sure your home is protected in the worst-case scenarios. Don’t let accidents this summer cost you. Contact us today for a customized plan and keep your home safe year-round.

How to Have a Great Family Vacation in 2022

As the summer months close in, it’s time to get ready for that perfect family vacation. Depending on where you’re from, the recent pandemic may have put previous plans on hiatus for quite some time.

Today, we’ll go over a few things that can help you enjoy the summer months away from the home.

To Mask, or Not to Mask…

Although mandates are being lifted in various locations, some local governments and facilities are still requiring masks. Always have a mask on hand in the event you visit a location that has such restrictions.

You could also spend a few moments using Google to search the location where you plan to take your family vacation. You may be able to determine which places require a mask so you can better prepare.

Keep in mind that there’s nothing wrong with keeping yourself and your family protected by wearing them. Today, though, it’s more centered around personal preference.

Know the Destination of Your Family Vacation

Before you plan on hitting the road or boarding a flight, take some time to research your destination. Sure, you could follow brochures and “best of” websites. However, you may find some incredible local stores and facilities if you narrow the search on Google.

Perhaps your family loves book stores. Does the location have a unique book store that you don’t have in your area? Instead of visiting a chain store, you could find a unique local experience.

That’s just one example. By exploring the location online, you can get a feel for what’s available and the different venues your family would love to explore.

Are You Covered While Driving?

Many of us will opt to rent a car while on vacation. It’s a way to have freedom of movement instead of waiting for an Uber or Lyft driver. And in many cases, it’s a lot cheaper depending on how much exploring you plan on doing with the family.

Do you plan on getting additional collision coverage?

More than six million car crashes occur every year, with 22% of crashes being weather-related. And because the weather is so unpredictable, it would make sense to make sure your family is covered while traveling.

Keep the Home Safe While On a Family Vacation

Perhaps one of the biggest loads off of your mind while on a family vacation is making sure the home is safe. I’m not merely talking about locking the door and turning off all the appliances.

Although, those are very important things to remember.

If you’re gone for a week, are you absolutely sure your home is secure during the time you’re gone? Before going on vacation, take steps to prevent burglary and other mishaps while you’re away.

The sheer amount of stress relief you’ll feel while on vacation is far worth every moment you’ll spend preparing the home.

What Kind of Family Vacation Are You Planning?

A family vacation is meant to reduce stress while helping to build bonds with those you love. These are moments that will last a lifetime, and you want to make sure everything goes according to plan.

Whether it’s protecting your home while you’re away or protecting your loved ones while on vacation, reducing stress will heighten the experience.

Vargas & Vargas Insurance offers top-rated insurance services that will help keep you and your family protected from unexpected events while you are on vacation! All our clients enjoy customized insurance coverage to match their unique needs, and we offer affordable prices. Contact us today to get a customized plan, or to just get the peace of mind that you desire!

Captive Versus Independent Insurance Agents For Your Automobile and Home Insurance; An Honest Comparison

When you’re shopping for insurance, knowing the different types of insurance agents is important as part of understanding whom you should work with.
 
There are two kinds of insurance agents — captive (who represents one insurance company) and independent (also known as an insurance broker).
 
Many online insurance companies, like State Farm, Allstate, and Liberty Mutual depend exclusively on captive agents, but some like GEICO and Progressive rely on a mixture of captives and independents.
 
Both types of agents can provide the kind of quality expertise you need to make one of life’s important financial decisions. But there are some big differences between the two.
 
Captive agents
 
Captive agents work directly for a single insurance provider and are limited to the products of that company. For example, if you call a captive agent who works for State Farm, he or she will market and try to sell you only State Farm products. How they get paid is set by their insurance company, and they are paid by that one company.
 
On the plus side, these agents are experts in what their insurance companies have to offer. But they cannot help a client who doesn’t need or qualify for their company’s products. And captive agents usually have quotas to hit to keep their job and earn bonuses. Although that’s not terribly different from independent agents, you might feel a bit more pressure to buy car insurance from a captive agent when all you really want is term life.
 
Independent agents 
 
Independent agents, meanwhile, work for themselves and not any one insurance company. They sell policies from a variety of insurance companies, not just one, there is no increase in the premium to work with an independent insurance agent, and make most of their money through sales commissions and bonuses from the carriers.
 
Independent agents can save you some time by getting insurance quotes from a few different insurers, we have 11 insurance carriers that we can provide you with an insurance quote.
 
Which is best?
 
The type of insurance coverage you choose depends on your needs and your budget.
 
If you’re looking for multiple quotes from different companies, an independent insurance agent probably is the way to go. Vargas & Vargas Insurance can save you time and money, reach our agents at 617-298-0655.

Spring Cleaning & Maintenance Checklist to Prevent Home Insurance Claims

Want to maximize your spring cleaning schedule to include maintenance items that can help prevent home insurance claims? Read on for some helpful tips!

Organize and declutter

Go through each room in your home and remove any objects that are not useful or needed anymore. Organize your storage space so that useful items are contained neatly. By preventing clutter from accumulating, you are reducing your fire hazards.

Store chemicals and other dangerous items out of the reach of children and pets

While you are going through your home, keep an eye out for any items that could be a potential source of danger for your children or pets. Look for medicine or cleaning chemicals that need to be stored in safe places. Consider adding child locks to certain cabinets to minimize the danger for children. 

Create a Maintenance Schedule

Come up with a plan to help you prepare your home for general maintenance to help prevent serious issues down the road. Having a maintenance schedule helps you feel less overwhelmed by scheduling different services throughout the year, while also giving you peace of mind that your home will be up to date and as safe as possible.

Some must-include items for your maintenance schedule

  1. Check your carbon monoxide and fire alarms. According to staysafe.org, carbon monoxide poisoning and fires are two of the leading safety hazards for homeowners. Make sure your alarms have fresh batteries and are in working order.
  2. Change the air conditioning filter. Air conditioning filters are meant to sort out harmful particles such as dust and mold. By preventing the spread of mold you are keeping your house safer and your family healthier!
  3. Inspect your roof. Check for missing shingles and clogged gutters. This helps prevent water damage to your home and its foundation.
  4. Check Your Oil Tank. Unwanted oil tank leaks can cause a huge headache, especially because oil tank leaks are rarely covered with home insurance plans

Stay one step ahead of your maintenance needs!

By keeping your house clean and up-to-date on maintenance, you minimize your risks of safety hazards and damages in the future. It’s worth it! Click here to read one of our earlier posts on Spring cleaning.

When you finish cleaning your house, give Vargas and Vargas Insurance Agency a call and we’ll help you clean up your insurance portfolio! One of our friendly and knowledgeable agents can review your home insurance, auto insurance, health insurance, and other insurance policies to make sure that you have all the coverage that you need, and at the right price. Don’t hesitate, call now – 617-298-0655.

Is Your Oil Tank Covered On Your Homeowners Insurance Policy?

Living in Massachusetts has plenty of amazing upsides, but you’re definitely taking a risk if you don’t have your oil tank covered on your homeowner’s insurance policy!

According to state records, over 700,000 homes are warmed by heating oil in Massachusetts, which makes us the second-highest state for residential heating oil consumption.

How Many MA Homes Are Covered If Their Oil Tank Leaks

Despite the heavy use of oil for residential heating, most homes are not covered with their basic homeowners’ policies, sometimes resulting in hundreds of thousands of dollars in costs for homeowners. In one recent story, an oil tank leaked on the property of a MA resident battling COVID-19, costing over $500,000 in damages.

We don’t want this to happen to you, but statistically speaking, you’re likely at risk. Data shows that only about 5% of homes in MA are covered in the case of an oil tank leak.

Given that there are 120 spills a year, we want to make sure you’re prepared in case you find yourself in this unfortunate situation.

How To Get Your Oil Tank Covered

Even though you may not have an oil tank leak on your current homeowners policy, the good news is you can relatively inexpensively add this coverage into your policy.

First, you must comply with the Homeowner Oil Heating System Upgrade and Insurance Law by ensuring your oil tank and valves are safe.

Once you’ve made sure your leak-prevention systems are in place, we can help you add oil leak coverage to your policy that covers you and any neighboring properties contaminated by a leak from your tank.

How To Prevent Oil Leaks In Your Home

Even if you decide to make the wise choice to get oil tank coverage, you can do your best to avoid finding yourself in this situation with regular maintenance checks to your home heating system.

The DEP provides a very useful PDF of Tips for Maintaining Your Heating System that’s free of charge. We’d recommend you print it out and include it in your regular home maintenance tune-up list. Commit to running through these checks regularly so you can spot warning signs and fix small problems before they become a huge ordeal.

We’re Here To Help Find The Right Coverage For Your Situation

Are you missing oil tank coverage on your policy, or are you curious about what else isn’t covered in your homeowners insurance? We’re here to help.

Vargas & Vargas Insurance offers top-rated insurance services that will help keep you and your family protected from unexpected events on your rented property. All our clients enjoy customized insurance coverage to match their unique needs, and we offer affordable prices.Contact us today to get a customized plan, or to just get the peace of mind that you desire!

What A Home Insurance Policy Doesn’t Cover

Is your home insurance policy covering you when you need it most? If you’re like most people on a “standard” home insurance plan, there are several things that aren’t actually covered with your policy!

Don’t worry – you’re about to find out what a home insurance policy doesn’t cover, and how you can quickly make a few updates to your plan to make sure you’ve got the coverage you need.

Before we get into that, take a quick inventory of what you’re hoping is covered in the case an unfortunate event presents itself to you. As we take a deeper dive into what isn’t covered, you’ll be able to quickly identify whether you’ll need extra coverage or if you’re in the clear!

What Doesn’t A Home Insurance Policy Cover?

Most home insurance policies don’t cover the following:

  • In-Home Businesses
  • Floods
  • Earthquakes
  • Vehicles used for business
  • High-value Jewelry.

Take a quick look at each in more detail, and how you can protect yourself.

In-Home Businesses Are Not Covered By Your Homeowners Insurance

Did you join the recent surge of people deciding to jump into at-home work, including freelancing, or even starting a business that’s based in their home? Whether you’ve just started or you’ve been at it for years, many people are unprepared for a sudden loss to their business equipment.

Don’t let that be you!

There are several ways to get your business property covered if you’ve got a home-based business.

According to the Insurance Information Institute (III), you can:

  1. Add a Policy Endorsement to your existing homeowners insurance. This simple endorsement is a simple way to increase your coverage to include business property. If your policy has minimal coverage for business property already (as some policies do), this can be a low-cost way to get the coverage you need.
  2. Add an In-Home Business Policy. This policy is for you if you need more comprehensive coverage for business equipment and have a need for liability coverage for your business. It can be a life-saver if you need to recoup costs beyond simple business property, such as loss of important papers, records, income, etc.
  3. Add a Businessowners Policy (BOP). If you’re a small/mid sized business that operates out of more than one location (including your home), you’ll want to consider the broader coverage offered by a BOP. 

Be Careful: Floods Are Not Covered In Most Home Insurance Policies

This one is slightly tricky, as most people don’t think they live in an area susceptible to flooding.

However, “flooding” can mean many things in your insurance policy. For example, a failed sump pump or water damage due to a clogged drain are generally not covered in a standard home insurance policy.

Many people have been saved by adding a separate flood insurance policy, as there is some gray area in standard policies, and they chose to be safe rather than sorry!

Earthquakes Aren’t Covered

Earthquakes are on the rise, according to data compiled by the National Oceanic and Atmospheric Administration branch of the US Government (and shown in this chart). Despite this, earthquakes are not covered by most home insurance policies.

If the thought of an earthquake hitting your area makes you tremble a little, you may want to consider specific earthquake coverage to be on the safe side.

Vehicles used for business

Not surprisingly, vehicles used for business are not covered in a homeowners policy, even if the damage to the vehicle happens on your property.

High-Value Jewelry

Jewelry-lovers take note! If you’ve got jewelry valued at over $2,000, there’s a good chance your homeowners insurance will not cover these pieces.

To make sure you’re covered, you can easily add on additional coverage into your policy to account for the loss if something should happen to your valuables. 

We’d recommend learning about coverage for commercial auto insurance if you own vehicles used for business, or check with your employer to ensure they have the correct coverage.

We’re Here To Help Find The Right Coverage For Your Situation

Don’t be alarmed if you’re in any of the categories above. Everyone’s situation is unique, and you deserve to be informed about what is – and what isn’t – included in your coverage. 

Let’s talk over your current policy and make sure you’ve got everything you need for your situation. 
Contact us today to get a customized plan, or to just get the peace of mind that you desire!