Recap: Valentine’s Day

“All you need is love. But a little chocolate now and then doesn’t hurt.”

– Charles M. Schulz

Did you all have a good Valentine’s Day? We hope that you were able to show your love to those that you are closest to last week. We also want to take this opportunity to remind you that it’s not too late to show your loved ones that you care by purchasing more than just chocolates and flowers. We’re talking about the gift of insurance! Policies like these are a great way to protect your loved ones:

  • Home Insurance, Renter’s Insurance, and Condo Insurance to protect the place that you call home, as well as your belongings and valuables.
  • Auto Insurance will help you verify that your car is financially covered after an accident, and that anyone who is hurt in an accident can get proper medical care.
  • Health and Life Insurance will help to care for your loved ones when they are ill, and make sure that they have the financial means to continue on if you pass away unexpectedly.

When you’re ready to learn more about how to protect your loved ones with the right Massachusetts insurance policies, call Vargas and Vargas Insurance Agency at 617-298-0655. We will help you review your current policies to make sure that the coverage is right for you and can give you free quotes on new policies for no charge and with no obligation. Don’t wait until next Valentine’s Day – call now!

Happy Valentine’s Day from Our Agency

It’s February, and that means that wherever you look, love is in the air! How are you going to show your loved ones how much you care about them? Traditional gifts include jewelry, sweets, flowers, and stuffed animals, but have you considered adding an insurance check up to your gift this year?

A sweet or cute or shiny present on Valentine’s Day is a great place to start – but why not make sure to also give your sweetheart something that will be a long-term gift? As Massachusetts insurance experts, we will be the first to agree that an insurance policy isn’t a glamorous gift, but there is nothing quite like it to say, “I love you and I want to make sure that you are always protected.”

When you’re reviewing your insurance this Valentine’s Day, make sure to go over the following policies:

Home Insurance

Do you share a place that you call ‘home’ with people that you love? You need to make sure that it is protected with the proper insurance policy. Vargas and Vargas Insurance Agency offers home insurance for homeowners, renters’ insurance for those in apartments or rented homes, and even condo insurance for condo owners with their own unique needs.

You never expect to need to make a claim on your home’s insurance policy, but having the protection makes sure that any issues that you have can be resolved quickly and without massive financial loss.

A home, renters, or condo insurance policy also protects your belongings, including your valuables – this means that if you bought or received a piece of fine jewelry for the holiday, you should make sure to let your insurance agent know. They can help you make sure that the value of your new ‘bling’ is covered in case of loss or damage. Talk to your insurance agent about your valuables, whether it’s fine jewelry, art, collectibles, or something else – they will ensure that your home coverage provides the proper protection for the items.

Auto Insurance

Your car gets you and your loved ones from place to place. This can mean work and errands, but it can also mean fun activities. No matter where you’re driving, you need to make sure that your car is protected so that you can always have a safe and reliable car – that’s where your auto insurance comes in!

If your car is ever involved in an accident, you want it to be fixed without having to empty your bank account. Having the right auto insurance will help in this endeavor! Your Massachusetts car insurance can also help pay medical bills of anyone hurt in an accident that is your fault, as well as provide liability protection if you are involved in a lawsuit due to a car accident.

Health Insurance

A big part of saying “I love you” is meaning that you care about someone’s well-being. Is there a better way to care for someone than making sure that they have a great Boston health insurance policy? Make sure that your sweetheart can get the care that he or she needs when they’re under the weather with a health insurance policy from Vargas and Vargas Insurance Agency.

Nowadays, medical care can be very expensive. No one wants to have to make the hard choice of forgoing care or seeing a doctor and ending up in debt. Talking to a medical insurance professional can ensure that you and your family have coverage that you can afford and that will provide you with the best possible care for your premium.

Life Insurance

One of the best gifts that you can give to the person that you love is peace of mind. Tell them that you want to make sure that they are financially protected in case anything ever happens to you and get a life insurance policy. Often, these policies are very affordable, and they provide a lot of coverage in a ‘worst case’ scenario. The funds received can be used to cover funeral expenses, care for dependents, and much more. Ask your insurance agent whether you should consider term life insurance, whole life insurance, or universal life insurance based on your unique needs.

When you’re ready to talk to a Boston insurance agent about providing protections for your loved ones this Valentine’s Day, simply call Vargas and Vargas Insurance Agency at 617-298-0655. Our agents can provide a free review for all of your insurance policies to ensure that you are carrying the right amount of protection for you and your family.

We would also like to take this opportunity to extend a big ‘thank you’ to all of our clients. We are humbled that you have chosen our agency to provide you with your insurance policies, and we always strive to provide you with the best possible service. Happy Valentine’s Day!

Budgeting for the Holiday Season

It may only be October, but now is the time to start thinking about your end-of-the-year holiday budget. Most Vargas and Vargas Insurance customers that we talk to agree – the holiday season is an expensive time of year (let’s face it – the festivity and merriment don’t come cheap!) Before you even think about picking out the best-looking turkey for Thanksgiving, pick up a pencil and make out a quick budget for the rest of 2018. It doesn’t have to be perfect – any sort of guideline can help make sure that you start the New Year in the black.

Our agency wants to do our part to help! Here are just a few of the categories that you may want to include in your budget, along with a few ways that you can get more bang for your buck this winter:

Holiday Décor

Part of the fun of the holiday season is the festivity and merriment that accompanies it. If you’re one to “deck the halls” then you probably already have most of the decorations that you use every year in storage. Occasionally, though, something will need to be replaced.

Do yourself a favor and save money on the replacement by using the old item one more time (if you can, of course) and purchasing the replacement on a deep discount after the holidays are over.

Food and Entertaining

During the holiday season, many people throw holiday parties or host family events. Whether you are hosting or attending these events, you will need to budget some money for them. Hosting can be costly, but you can cut down on your spending by asking attendees to bring a dish to contribute to the table or buffet – sides and desserts are easy for others to make and bring.

If you are attending an event, offer to bring something to help the host. You could bring food, but alcohol and other hostess gifts may also be appropriate. Many local shops in the Boston area offer a great selection of items that would be perfect to bring to a party.


Around this time of year, many people are making plans to visit their loved ones. Whether you’re going to be there to eat turkey or open presents, you should start making your plans now so that you don’t get stuck paying last-minute prices.

Depending on how far you need to travel and how many people are going with you, taking a road trip may be a cheaper option than flying. Check out our Ultimate Guide to Road Tripping for tips and tricks to travelling by land. If you don’t have the time to travel by car, then flying is your best option. Buy your plane tickets as early as possible to get the best deal and remember when comparing prices to include the cost of extra fees and baggage to your total cost.


If you’re someone that purchases gifts during the holidays, plan now so that you don’t overspend later. Make a list of everyone that you plan to gift to, and how much you will spend. Be as thorough with your list as possible – include family members and friends, as well as neighbors, teachers, your mailman… anyone who will get a present, even if it’s only going to be $10 or less.

When it comes to saving money on gifts, there are many options. For the brave, consider shopping during Black Friday sales to get great gifts at blowout prices. Some people may find Black Friday shopping a little too harrowing of an experience. If that sounds like you, (and you have even a little bit of creative capability) consider making your gifts this year. Often, DIY gifts are less expensive than store-bought, and they can hold extra meaning to the recipient.

As you budget for gifts, remember to also factor in the cost of cards and wrapping paper and bows. These are costly right before the holidays, but you can save money for next year’s presents by purchasing card multi-packs and wrapping paper on clearance and storing it with the rest of your decorations.

Once your holiday budget is complete, do your future self a favor. Take your estimated expenditure amount from this year and divide it by 12. Then you can set up an automatic deposit for that amount into a holiday savings account each month. By this time next year, you won’t have to worry about scrambling to find funds – you will have a lump sum ready to go for all your end of the year spending!

Remember – you can save money on your Massachusetts insurance policies all year ‘round with the help of Vargas and Vargas Insurance Agency. One call to 617-298-0655 and our agents will work hard to make sure that you have home and auto insurance policies that will give you the right amount of coverage without overburdening your bank account.

Recap: Avoiding July 4th Insurance Claims

“Opposites generally create intense chemistry. There are more chances of fireworks when different people are together than similar personalities.” – Sonam Kapoor

The Fourth of July is just one week away! Have you finalized your plans yet? No matter what you’ll be doing, make sure that you do it safely, and avoid having an accident that would necessitate an insurance claim. Here are a few tips from your local insurance experts:

  • Hosting a party? Prepare for guests by removing breakables and valuables from common areas.
  • If anyone is going to be enjoying the pool, make sure that they are safe. Children should be supervised, and everyone should practice safe sun while at the pool or outside during the day. And make sure that everyone stays well hydrated!
  • Fireworks are illegal in Massachusetts (and it’s also illegal to buy fireworks in another state and bring them to Massachusetts), so if you want to see a display you will need to locate a professional firework show in Boston.

Before the festivities start, do your due diligence and check on your home insurance policy. Your experienced insurance agent can review your current policy to make sure that it is as ready for the fireworks as you are. Remember – for any and all of your Massachusetts insurance needs, call Vargas and Vargas Insurance Agency at 617-298-0655.

How to Avoid Fourth of July Insurance Claims

What will you be doing in a few weeks to celebrate Independence Day? This Fourth of July, Americans will be celebrating the 242nd anniversary of the adoption of the Declaration of Independence. There will be parties and gatherings all across the country, as well as plenty of fireworks displays! The staff here at Vargas and Vargas Insurance Agency is looking forward to the holiday, and the plans being made involve plenty of grilling, swimming, and spending time with loved ones.

Throwing a Party?

Independence Day is a great opportunity to gather with your neighbors, friends, and family for some good-spirited celebration. If you’re planning on throwing a party, there are a few things that you will want to think about:

  • It’s all about the good old US of A. Make your party festive with plenty of US flags and red, white, and blue themed decorations. You don’t have to break the bank to add some flair to your get-together – check out these ideas from Good Housekeeping.
  • Food on the Fourth tends to revolve around the grill. If you want to be adventurous, offer more than just hot dogs and hamburgers! Grill up some sides and try grilled fruit for dessert! That smoky flavor is something you just can’t get with any other method of cooking.
  • Before your guests arrive, make sure that you have relocated all of your breakables and valuables that are in common areas. Close off any areas in your home where you don’t want guests to go.
  • If you will be serving alcohol, you need to keep a close eye on how much your guests are drinking. If someone overindulges, offer them a ride home or call a cab. Otherwise, you may wish to have your spare room ready in case someone would rather crash with you until it is safe for them to get behind the wheel.

If hosting or attending a party isn’t something you’re interested in, that’s ok too! There is nothing wrong with having a quiet movie night at home. And there are even several movies appropriate for the holiday – like 1776 or Independence Day!

Enjoying the Water?

The Fourth of July is the perfect holiday to enjoy at the pool or beach. We hope that you have fun enjoying the water, but make sure that you put safety first. Little ones should be coached on the rules of the pool or beach before they don their bathing suits. This includes no running and no diving. Children should be supervised at all times. Make sure that anyone that is in the sun applies (and reapplies) sunscreen, and that they stay properly hydrated.

Also make sure that you are safe if you’re going boating. For more information, read our blog all about Boating Tips!

Seeing Fireworks?

Did you know that fireworks are illegal in the state of Massachusetts? Our state adopted the Model Fireworks Law as promoted by the National Fire Protection Agency, making the sale, purchase, and use of fireworks illegal in our state. It is important to know that even though fireworks are being sold in neighboring states, it is illegal to bring these fireworks into our state, by penalty of confiscation and possible fine.

Because of the fireworks ban, those of you that want to see fireworks this Fourth of July will need to find a display that is being run by licensed professionals.

One of the most popular events in the area is the Boston Pops Fireworks Spectacular. This free event takes place on July 3rd and 4th at 8 pm at the DCR Hatch Shell. The concert on the Third is music only, but if you go on the Fourth you can see the concert at 8 and then the fireworks begin at 10:30. This year, the headliner is a Massachusetts native – Rachel Platten! For those that don’t want to brave the crowds to see the concert and fireworks on the Fourth, the concert will be broadcast on Bloomberg TV, Bloomberg Radio,, and more.

Remember your furry friends this Fourth of July – many animals are afraid of fireworks. If this is the case, ask your veterinarian what can be done to make them more comfortable. They may recommend medications or comfort items that will help your cat or dog remain calm during one of the more stressful days of the year.

No matter what you choose to do to celebrate this Independence Day, the unexpected is always possible, so make sure that your home and family are protected with a home insurance policy from your local Massachusetts insurance agents at Vargas and Vargas Insurance Agency. One call to 617-298-0655 and you can review your insurance or get a free and no-obligation quote.

And remember – this Fourth of July and every holiday – stay safe and have a great time with your loved ones. Happy Fourth!

Recap: Memorial Day Celebrations

“A hero is someone who has given his or her life to something bigger than oneself.” – Joseph Campbell

Another long weekend has come and gone! How did you choose to celebrate your Memorial Day? Hopefully you took a moment to remember and honor the military men and women who died in the line of duty. As the summer continues on, our Memorial Day advice remains applicable.

When grilling, keep a fire extinguisher nearby and always grill on a stable, flat surface away from flammable objects. Keep children and animals away from the grill, and never leave a hot grill unattended.

If you’re hosting a cookout or party, you are responsible for making sure that your guests don’t drive home under the influence of any alcohol that you serve them. Ensure that all guests have a safe way to get home or invite them to stay the night so that they can safely drive the next day.

Summer is a great time for road trips with your loved ones. Before you embark, have your car checked by a professional and ensure that your emergency kit is stocked. Pack plenty of snacks, drinks, and entertainment for all of your passengers.

And any time that you have a question about your insurance coverage or if you want a free insurance quote or review, just call Vargas and Vargas Insurance Agency at 617-298-0655. Our agents will be happy to help you with any and all of your Massachusetts insurance needs.

Three Crucial Memorial Day Weekend Safety Tips

Can you believe that May is almost over? It seems like just yesterday that we were ringing in the New Year! (Speaking of, how are your Resolutions doing?) Because Memorial Day is quickly approaching, we want to honor the holiday and to make sure to remind you of a few simple safety tips that you can follow to keep yourself and your loved ones safe while you enjoy the long weekend.

What is Memorial Day?

Memorial Day is much more than just a long weekend full of warm weather and family reunions. In fact, Memorial Day is meant to be a solemn occasion to honor all of the men and women who died while serving in the US military. While people have been holding tributes to fallen soldiers since the 1860’s, Memorial Day only became an official holiday in 1971, and is observed on the last Monday in May each year.

Break Out the Grill

Many families choose to celebrate Memorial Day weekend with their first cookout of the year. Breaking out the grill is great fun, but should be done with caution, since grills are the cause of many fires and injuries each year. We know that you don’t want to have to call us with a home insurance claim, so make sure to heed these tips:

  • Before you fire up the grill, ensure that it is a safe distance away from your home, and that there isn’t any foliage or overhang that might catch fire. Your grill should be on a stable and flat surface when in use.
  • When the grill is hot, never leave it unattended. Always have a fire extinguisher nearby in case of an emergency. Remember that baking soda should be used for grease fires – never water!
  • Keep children and pets away from the grill.
  • Use a meat thermometer to ensure that your food is cooked to the proper temperature.
  • If you’re using a gas grill, check for leaks before starting it, and stop cooking immediately if you smell gas.
  • After use, clean the grill to remove fat buildup and grease.

And if you want to shake up your grilling lineup by making something besides hot dogs and hamburgers for your cookout, try some of the Vargas and Vargas Insurance favorites like grilled potato salad, grilled jalapenos, and grilled brown sugar pineapple.

Know Your Host Responsibility

If you’re throwing a party or cookout for more than just your own family, you need to know your responsibilities as a host. If one of your guests that has been served alcohol gets behind the wheel and causes an accident, you could be held liable for the damages. To prevent this, keep a sharp eye on your guests and make sure that anyone who consumes alcohol has a safe ride home, or invite them to stay the night so that they are not tempted to drive while intoxicated.

As a host, you should also ask your guests if they have any food allergies. Either exclude any present allergens from your gathering or let guests know which foods they should avoid.

Hit the Road

Since Memorial Day marks a three-day weekend, many families celebrate it by taking a road trip. If you’re planning on hitting the road, make sure that you prepare accordingly. Before you set off, have your car checked by a professional. Tell them that you are going on a trip and want to make sure that everything is looking good before you leave. It’s also important to make sure that your car has an emergency kit. Make sure that it is fully stocked and nothing inside has expired.

Pack as light as you can, and leave plenty of room for souvenirs that you will buy along the way. And make sure that you bring plenty of cash (both bills and quarters) for any tolls that you may encounter along the way! If you have one, check your EZ Pass balance, and ensure that it is set to automatically refresh when you run low on funds. Also make sure that the credit card you have on file hasn’t expired.

The day that you leave, make sure that you get a good night’s sleep so that you are alert while you drive. Have plenty of snacks and stay hydrated (even though it may mean a few extra rest stops). Also have plenty of entertainment for all of your passengers. Depending on the age range of your squad, try audiobooks, podcasts, and car trip games, in addition to lots of music!

No matter how you are planning to celebrate Memorial Day, make sure that you do so safely. And if you plan to take a road trip or host a cookout, you may want to take a minute and call your local Massachusetts insurance agency at 617-298-0655 to check your insurance coverage. Your agent can quickly review your home insurance and auto insurance policies to ensure that you have complete coverage for any activity in which you choose to participate.

Recap: Gifts for Grads

As graduation season approaches, we know that you may be searching for the perfect gift for the graduate in your life. If you’re struggling, we have some ideas to help you!

Nowadays, graduation is celebrated at all levels, so consider getting your little graduate a fun gift to celebrate their favorite activity or take a family trip to one of Boston’s many kid-friendly attractions.

High School and College grads have achieved huge milestones in their lives and deserve to be celebrated. Gift them with a traditional gift like a watch or piece of jewelry or go for a leather good like a high-quality wallet or purse. If you want to be more practical, give something that they can use in their home (a coffee maker, for example) or simply give cash for the grad to spend as they please.

Graduates are also often the recipients of sage wisdom and advice, so make sure to tell the graduates in your life about how important it is to have the right insurance coverage. Sure, most people think it’s a boring topic, but if they ever need to file a claim, they will thank you for making sure that their insurance is up to snuff. Give your graduate the Vargas and Vargas Insurance phone number (617-298-0655) and have them give us a call – we will make sure that they are protected as they take the next steps in their life.

Gift Ideas for Graduates

As Spring begins to transition into summer, we prepare for graduation season. Graduation is an important time in a young person’s life. As they move from one lever of education to the next (or from education into the workforce) it is common for loved ones to acknowledge all the hard work they have accomplished with a gift. If there is a graduate in your life, we have a few ideas for thoughtful gifts that will stand out from the crowd, based on the age of the recipient.


Whether your little one is graduating from Kindergarten, Elementary School, or Middle School, it is up to you to show them how proud you are of them, and how important it is to take pride in their education. Nowadays, many schools even offer graduation ceremonies to these students!

If you want to get these little graduates a gift, focus on an experience that they will remember. Have dinner out as a family to celebrate, or take a day trip to a place that your child will enjoy, like the New England Aquarium or the Boston Children’s Museum.

Want something that you can wrap and put a bow on? Encourage your child’s interests. Get an activity kit revolving around your child’s favorite subject, whether it’s art, science, or even Phys Ed! Alternatively, if your elementary school student is headed to a Middle School that gives out lockers, give him or her some locker decorations to prepare them for the transition.


High School graduation is a huge accomplishment. It signifies the end of ‘required’ schooling, and students have made the decision of whether they will continue their formal education or enter the workforce.

Teens that are going to college will need a lot of stuff. Those moving into a dorm or apartment of their own probably have a wish list full of décor and furniture that provides a great starting point for gift giving – not to mention that cash is always appreciated. They will probably also request a new laptop and/or tablet for their classes.

For those students that will be transitioning to the workforce, a gift that recognizes their new independence could be a good place to start. Watches or jewelry is a traditional graduation gift. Some graduates will take a hiatus from responsibilities to travel – for them, consider a nice camera or some luggage.

Young Adults

Nowadays, graduating from college is a rite of passage, and the point at which many young adults will formally enter the workforce full time. Commemorate this transition into independence with something that celebrates the young person’s metamorphosis.

Most of these young adults are getting ready to move into a more ‘adult’ home now that their undergraduate degree is in hand. You can help them prepare for this with a gift to fit their style – consider a nice coffee maker or slow cooker for their kitchen. You could also give a practical gift in the way of sprucing up their professional wardrobe.

Older Adults

For those who decided to take on post-secondary education, graduation is an even bigger accomplishment. Their education is clearly very important to them, and it takes a massive amount of work to get a diploma at this level.

Commemorate this occasion with a special gift! As we mentioned above, a watch or piece of jewelry is always appropriate, especially something that recognizes that the person has an advanced degree. And if your recipient is sentimental, consider something sweet and thoughtful, like a keepsake box.

Don’t forget – one of the most fun parts of giving and receiving gifts is in the presentation. Whatever gift you may choose, take it to the next level with over-the-top decoration that you will be proud to hand over. There are a ton of cute ideas for making your wrapping festive and fun without needing a degree in design – check out ideas from Hallmark for making your gift resemble a graduation cap or including a tissue paper tassel.

You can even print your own wrapping paper to make your gift extra special. If you’ve chosen to give cash, you’re not out of luck! There are plenty of creative ways to give a cash gift for graduation – here are just a few ideas from Hative.

And, for the adults graduating in your life, make sure that you pass on some of your wisdom: tell them all about how important it is to have the right insurance coverage. If they’re new to buying insurance, tell them that the process doesn’t have to be confusing or scary. Vargas and Vargas Insurance Agency is a top Massachusetts insurance agency that can help them with all of their insurance needs: from home and renter’s insurance to car insurance and more. Have them save our number (617-298-0655) in their phone so that they can continue down the road to success with complete insurance protection for their bright future.

Recap: Earth Day Celebrations

“Earth Day should encourage us to reflect on what we are doing to make our planet a more sustainable and livable place.” – Scott Peters

We celebrated Earth Day on Sunday, April 22. what did you do to make the world a better place? If you haven’t yet had a chance to make an impact on the environment, here is a recap of a few of the suggestions that we gave.

First, everyone should take the opportunity to learn more about the planet, and how we can help it. There are many debates going on in today’s world about what’s harming the Earth, but regardless of your beliefs, there is still an upside to many of the suggestions we have! In addition, you can:

  • Plant a tree to promote clean air or a small garden to provide yourself with food. Planting flowers could aid your local bee population.
  • Cook a meal that is Earth-friendly using local foods from small farms and favoring vegetables over meat.
  • Reduce the waste you produce or recycle more. Start by donating or selling items that you don’t need instead of throwing them out.
  • Use less water and energy in your daily routine. Have you installed a low flow faucet, toilet, or shower head?

If you want to keep the Earth Day celebrations going, try incorporating one (or several) of these into your routine. You could even go one step further and make a bigger impact by starting a campaign at your workplace to recycle or reduce energy usage.