Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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Never Get Locked Out Again!

There isn’t much more inconvenient than finding yourself locked out of your own house. It happens to everyone at some point, so make sure that you are prepared when this situation rears its ugly head with these helpful hints:

Think Twice About Your Hiding Spot

Everyone has seen those fake rocks that hide your key in magazines – and that includes potential burglars! Instead of hiding your key somewhere around your front door, hide it somewhere that’s just as convenient but less obvious. Women can hide a spare key in their pocketbook, men can slip a spare between their phone and the phone’s case, or you can use a wall-mounted key box, like this one from Master Lock.

Have a Key Master

One of the most effective ways to ensure that you don’t get sidelined by a lockout is to give a spare key to someone local that you trust. After all, calling up a neighbor to use your spare will be much less of a headache than calling a locksmith!

Be Prepared for the Worst

In case you do get stuck outside your home without access to your spare keys, make sure that you are prepared. Have all the numbers you need stored in your cell phone for easy access, including a reliable locksmith and the local non-emergency police number.

Hopefully with these tips you will be able to avoid a lockout, or at least be prepared if one happens to you. If you want to be even more prepared, talk to me about getting a home insurance review. Often times, I will see people that don’t have the right coverage or people that are paying too much for the coverage they have. If you want to make sure that you have the right homeowners, automobile or business coverage at the right price, just call Vargas and Vargas Insurance Agency at 617-298-0655.

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Spring Cleaning Tips that Everyone Should Know

It’s a ritual here in the US – every spring, millions of Americans begin to clean their houses with an annual vigor. Did you know that this custom of “Spring Cleaning” may have come from Iranian, Jewish, and Chinese origins? Regardless of the reason for this custom, here are some tips that you can use to ensure that your Spring Cleaning is successful:

  • Work on your home from the top to the bottom and from one side to the other. Finishing rooms one at a time will give you a sense of accomplishment, and will also ensure that you aren’t carrying dirt or clutter between rooms.
  • If you can, multi-task. Run the washing machine or the dishwasher while you scrub or dust so that you can knock out two birds with one stone.
  • While you clean and organize, make a pile of things to donate – it will help you get rid of clutter, and can help benefit the community!
  • Go at your own pace – take breaks often to rest and rehydrate. Split big jobs into several smaller chunks so that you don’t get overwhelmed. Also, make sure that you know your limits, and hire a professional if necessary.

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.

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What to Do After a Break-In

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It’s a nightmare come true for every homeowner – you come in from being away only to find that your home has been broken into. Once the initial shock wears off, what should you do? Here are four steps that you can take to start down the road to normalcy:

Immediately Call the Police

The first thing that you should do is immediately call the police. Wait outside or at a neighbor’s home for the police to arrive, and do not touch anything in your home until the police are able to investigate. File a police report, and keep a copy for insurance purposes.

Talk to Your Insurance Agent

Your insurance provider will want to know about the break in right away, and may want to send an adjuster to assess the damage. They will likely need a copy of the police report, as well as a list of the items that were stolen or damaged.

Begin the Cleaning and Repairs

It can be very emotional to have your home invaded. When you finally need to start the process of cleaning up, consider rearranging the furniture or painting the walls to make the space feel fresh and new. This could help you and your family overcome some of the bitter emotions that often come with this kind of event.

Evaluate Your Home’s Security

If your home security system could use an upgrade, now is the perfect time to do so. Your local insurance agent may be able to help you get a discount on your home insurance policy if you have certain security features installed, such as a monitored security system and video surveillance.

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