Recap: End of the School Year

“Do what you have to do until you can do what you want to do.”

– Oprah Winfrey

Now that it’s nearly April, it’s time to help your kids focus on getting to the finish line that is the last day of the school year. In case you missed our full blog last week, here is a quick recap of the tips that we gave to help you stay sane for the last few months before summer vacation begins:

  • Once spring break ends, it can be hard to get back into your family’s normal school routine – but this routine is the key to many children’s success.
  • Having a goal (with an accompanying reward) can help children keep on pace to finish out the year strong.
  • Does your kid need any new school supplies? Replace anything that’s falling apart and clean out their backpack for good measure.
  • Keep an organized calendar so that you can help your kids stay on top of end of the year parties, award ceremonies, etc.

And remember, take advantage of the fact that your kids are still in school by using your time to talk to your Vargas and Vargas Insurance agent about your insurance portfolio. Now is a great time for an insurance check-up for your house, car, business, and more – and you can get all this done by calling our office at 617-298-0655. Don’t wait until the insanity of summer vacation begins! Call now!

Indoor Activities for Rainy Days

Spring has sprung here in Boston, and we’ll bet that you’re ready for the warm, sunshiny days ahead. As in life, however, not all days can have sunshine. Sometimes you need to be prepared for days with rain. The best way to deal with a rainy day is to make the best of it and enjoy the indoors, especially if you have children that need entertainment (and to burn off a little energy). Pick out an activity (or several) from the following suggestions and see if you can’t make a rainy day great!

A Perfect Time for Arts and Crafts

If it’s grey and rainy outside, it’s the perfect time to break out some arts and crafts in an attempt to get your creative juices flowing! Don’t have a project in mind? That’s ok! There are hundreds of online tutorials with project ideas for kids and adults alike. The best part is that you probably already have the supplies on hand – paper, scissors, glue, and other crafty staples will get you hours of fun with your kiddos.

If you’re in a pinch for a fun crafty activity, there are even websites that allow you to print out coloring pages and activity books from your home printer. Find something with a fun pattern or your child’s favorite characters and go to town… they’ll forget about the rain in no time!

Cozy Up with a Good Book

Rain is naturally relaxing, making it perfect weather for reading! If you don’t currently have a book in progress you can go to the nearest branch of the Boston Public Library for access to books, eBooks, audiobooks, and much more. Also check the library’s calendar – they often offer free classes and activities for kids!

For older kids, encourage them to get a head start on next year’s summer reading list, if you know what books are going to be included. Sometimes, these books are old enough to be available in eBook format for free on Project Gutenberg – a site that provides free copies of books with expired copyrights.

Spend Some Time in the Kitchen

It can be hard to find time to teach kids basic life skills – especially when the sunshine beckons. Take advantage of the rain and let the kids help with some meal preparation. Depending on the age of the kids in question, they can help measure and add ingredients, mix things, chop, or even make something by themselves (with some guidance).

Kids are also much more likely to try new foods and flavors when they are involved in preparation – so pick out something new and different to encourage your kids to try new things! They will feel a wonderful sense of pride at having produced the meal and be excited to share it with the family. You can make it an even more special occasion by inviting someone special over to enjoy the meal – like a member of your extended family or your children’s friends.

Games and Cards and Puzzles – Oh My!

Board games, card games, and puzzles are a great way to spend some quality time with your family when the weather refuses to cooperate. Odds are that you have several of these in your closet already, so there is no cost associated with the hours of fun provided by these activities.

Card games are a favorite around the Vargas and Vargas Insurance office because a deck of cards is so versatile. There are dozens of different games that you can play with a single deck, so finding something fun and age-appropriate for smaller kiddos isn’t an issue. A quick online search can reveal ideas for new games that you and your loved ones will enjoy for the rainy afternoon.

Unbury Lost Treasures

It’s no secret that kids and adults alike get bored of their toys. Sometimes, however, something can have a fun nostalgia factor after it hasn’t been used in a while. The challenge is to find something that has regained its sense of fun! Give something new life and enjoy it one last time, even if afterword it goes in your ‘donation’ pile.

If you’re desperate to find something for your kids to do on a rainy day, ask them to clean their room – they are almost guaranteed to find something in there to amuse themselves in order to keep from tidying up!

A rainy day is also the perfect day for an insurance review! No need to even pick up an umbrella – Vargas and Vargas Insurance Agency is only a phone call away. Dial 617-298-0655 and talk to a Massachusetts insurance agent about your coverage, and what you can do to ensure that an insurance claim isn’t the cause of a ‘rainy day’ in your future. The rain may even remind you to ask about an umbrella insurance policy – one of the best forms of protection for your peace of mind.

A Parent’s Guide to the End of the School Year

It’s that time of year – kids are starting to see the light at the end of the tunnel. The school year is going to be wrapping up soon, so how will you as a parent help your child or children to buckle down and finish the year off strong, while simultaneously planning activities for summer vacation? Don’t worry – your local independent insurance agency is here to help!

Stick to Your Routine

Many parents complain that once Spring Break is over, kids start to realize that the school year is wrapping up and they want to act like it’s already over by begging for extra treats and later bedtimes. Remind your kids that they still have things to learn in the next few months, so it’s important to stick to your usual school-time routine.

For younger kids, it may help to create a paper countdown chain to show how many days are left until the last day of school – it’s an easy craft that can help children to visualize the length of time until summer vacation starts. Many parents also use this type of craft to count down to other celebrations and major days – for example, the start of a vacation, the first day of school, birthdays, Christmas, and more!

Now is also a great time to teach kids about the importance of goal-setting! Motivate kids by letting them set an ‘end-of-the-year’ goal and choose a reward for completing that goal – for example, finishing out the school year with good grades. This reward could be a new game or toy, a trip to their favorite restaurant (with dessert!) or going with a friend for a day of fun at a local attraction. Get creative and help your kid choose a reward that will motivate them to stay on-task at school and will encourage them to complete tests and projects to the best of their ability.

If you haven’t yet, this is also the perfect opportunity to teach older kids about SMART goals. Sit with them and help them create a goal for the end of the year that is Specific, Measurable, Attainable, Relevant, and Time-bound.

Stay Organized

What is the current state of your child’s school supplies? Sometimes, a few new folders or colorful pencils are all it takes to get kids back on track and excited about finishing out the school year strong. After several months of classes, it may also be time to have kids give their backpacks a thorough cleaning and reorganizing their supplies. Loose papers and inch-long pencils will easily clutter up a backpack and make it nearly impossible to find anything.

The end of the school year is also a time that tends to be chock full of class parties, award ceremonies, banquets, recitals, and more. Stay on top of what events you need to attend and make sure that you put them on your calendar as early as possible so that you don’t overschedule yourself or your kids. Now is also the perfect time to plan ahead so that you know how you’re going to handle a scheduling conflict if one occurs.

Another great way to stay organized at the end of the school year is to ask your child to gather contact information for his or her classmates now, especially if your school doesn’t hand out a class directory. This will help during the summer if your child wants to invite one of their friends out to have fun during the break.

Plan for the Summer

Sometimes, these last few months of school is all about making it to the end. While you use the above tips to keep kids focused on getting to the end of the school year, it’s not a bad idea to let them help with making plans for their summer vacation (as long as it won’t distract them too much from their studies). Whether you’re planning a staycation, a road trip, a cruise, or flying to a new and exciting destination, let your children help with the planning. Younger kids can choose travel activities and get excited about some of the specific places and attractions you will be visiting, and older kids can also learn some money-handling skills by being involved with the budgeting of your trip and helping to prioritize expenses.

While your kids are still in school, take advantage of the temporary peace and quiet to call Vargas and Vargas Insurance Agency and prepare yourself for potential summer shenanigans. Have one of our expert Boston insurance agents perform a free evaluation of your current insurance policies, including your home insurance, car insurance, etc. They will be able to tell you if you have enough coverage, and help you fill any existing gaps. They may even be able to find you a new policy at a great price! Don’t wait until school’s out for summer: call 617-298-0655 today.

Start Planning for Your Summer Vacation

Are you dreaming of summer yet? It’s been a long winter here in the Boston area (despite Punxsutawney Phil predicting an early spring this year) and at Vargas and Vargas Insurance Agency, we’re in vacation planning mode! Here are just a few of the tips that we are using as our agents plan their summer getaways:

Plan Early

If you’re reading this post, then you’re already ahead of the game! One of the best things that you can do to enjoy your summer vacation is to start the planning process as early as possible. This will ensure that you have plenty of time to take advantage of the following tips that we’re going to share!

Determine Your Destination

Where will you go when the world is your drawing board? There is something to be said for almost any destination that you choose:

  • Boston is a lovely city, especially in the summer. Have you seen all of the sights and ‘played tourist’ right here in your own backyard? The history in this city alone makes it one of the most visited destinations in the US, not to mention the savings associated with not paying for travel or accommodations on your vacation!
  • A road trip is a great way to see the sights. Depending on how long you’re willing to spend on the road before arriving at your destination, there are many places within reach of Boston, including anywhere in New England, some very beautiful parts of Canada, and New York City. For some great road trip tips, read our Road Trip blog!
  • If flying is the ‘how’ of your vacation, then you have a lot of options. Will you choose a family friendly destination or somewhere more relaxing or cultured? If you feel overwhelmed with choices, some online sleuthing will probably be a good place to start.

Scout Out Several Activities and Events

No matter where you go, make sure that there is something fun and enjoyable for each member of your travel party. These activities can vary greatly depending on your destination and travel dates, so make sure to consider those carefully when planning. It’s always fun to see if there is a special local event or festival going on during your trip, so don’t forget to search the area’s events calendar before you leave!

Want to do something different and fun next time you’re on vacation, while also soaking up some local color? Look for volunteer opportunities in places that you’re interested in going! This so called “Voluntourism” is a growing industry where people find joy in simultaneously travelling and doing good.

Outline a Rough Budget

Thinking ahead is important when you’re planning a vacation (whether it’s just for you or for your entire family). In addition to considering your activity schedule, sit down and make a rough outline of the costs that you will encounter during your trip. This will vary depending on many factors, but you should generally include four categories: travel, accommodations, food, and activities. Make sure to also set a little extra aside if you plan on purchasing souvenirs or gifts while you’re away. And always plan for a little bit of wiggle room – after all, what is a vacation without some unforeseen expenses?

Start Saving Now

Once you’ve figured out about how much you’re going to spend on your vacation, start setting aside some money. No one should go into debt to go on vacation and paying for whatever you can in full before you leave will help you to relax while you’re away.

There are lots of little tricks that you can use to start putting aside money for your vacation fund. Many places will advocate for skipping your morning drive-thru coffee in favor of making your ‘cuppa’ at home. Going out to eat less and cooking at home will also help you save.

Let Loose and Enjoy Your Trip!

Once all of your planning is done and it’s time to leave, there is one important thing to remember: enjoy your vacation! It’s easy to get stressed about travelling and seeing all that there is to see at your destination, but it’s important to let go and relax so that you can have a good time. Be open to adjusting plans as you go – some of the most fun you have on your getaway will be during the spontaneous activities that you do.

Before you leave on the trip you’ve planned, talk to Vargas and Vargas Insurance Agency about making sure that you’re protected while you’re away. We can help you make sure that your home is ready for any potential issues, your car insurance should be checked before a road trip, and we can even help you with travel insurance if you want some added protection! One call to 617-298-0655 and we will get you all set and ready for your vacation!

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.

Travel

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.

Gifts

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, Bloomberg.com, 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.