What Should You Do If Your Term Life Insurance Policy Is About to End?

Posted on August 11, 2020August 4, 2020 by cvargas

Do you have a term life insurance policy? A term life insurance policy is for a specific period of time. It will only provide coverage for a set period of time, such as 10, 15, or 25 years. During this time, if y[...]

What to Do During and After a Hurricane

Posted on August 8, 2020August 7, 2020 by cvargas

Hurricanes can pose a serious hazard for people and properties in the Boston, Massachusetts, area. Floods, heavy winds, and other severe weather factors can cause damage quickly. Read this short guide about how [...]

3 Things to Consider When Choosing Between Whole and Universal Life Insurance

Posted on August 4, 2020July 8, 2020 by cvargas

Whole life and universal life insurance policies have similarities and important distinctions. Both are types of permanent life insurance, which means they provide coverage for your entire life as long as premiu[...]

Let’s Talk About Flood Insurance

Posted on July 31, 2020August 2, 2020 by agentinsure

For Massachusetts property owners looking to protect their investment, Dorchester, Massachusetts-based Vargas & Vargas Insurance is standing by to have a conversation with you about your flood protection insurance op[...]

What Is Personal Property Insurance?

Posted on July 28, 2020July 8, 2020 by cvargas

Personal property insurance is part of a home insurance policy. It provides coverage for the items in your home that are damaged or lost due to events, called named perils, such as fire, lightning, smoke, theft, and[...]

Condo Owners Need More Coverage Than the Master Policy

Posted on July 21, 2020July 8, 2020 by cvargas

Although most new condo owners are added to the property’s master policy upon purchase of the unit, the claim that this policy is all owners need is misleading. You may have been told that your unit’s coverage under[...]

Stay Current on Massachusetts RMV Extensions and Reduced Insurance Rates

Posted on July 14, 2020July 8, 2020 by cvargas

The COVID-19 pandemic has impacted nearly every industry, and new changes continue to roll out. Drivers and car-related industries have experienced some unique challenges. What should you do if your vehicle registra[...]

What You Need to Know About Phase Two of Massachusetts Reopening

Posted on July 7, 2020July 6, 2020 by cvargas

The state of Massachusetts is reopening in phases. On Monday, June 8, Phase Two of the plan was initiated. With the peak of COVID-19 on the decline in the state, Phase Two for many parts of the economy and communiti[...]

Happy “Interdependence” Day 2020

Posted on July 4, 2020 by cvargas

This Fourth of July holiday will be very different this year. I have started calling this year’s Independence Day “Interdependence Day” because we need each other now more than ever! This is the time when we [...]

Protecting Your Most Prized Possessions: How to Insure Your Engagement Ring

Posted on June 30, 2020June 10, 2020 by cvargas

The question has been popped, and now you’re sporting a shiny new rock on your left hand. Congratulations! Before you start hearing church bells and say, “I do,” it’s important that you take the time to protect your[...]

What Can I Do About Forced Place Insurance?

Posted on June 23, 2020June 10, 2020 by cvargas

Forced place insurance is only applied after a homeowner has failed to meet insurance requirements as detailed in their mortgage. So the first step in avoiding the additional cost of this type of insurance is st[...]

How Much Condo Insurance Do You Need?

Posted on June 22, 2020June 17, 2020 by agentinsure

In order to determine how much condo insurance you need in Dorchester MA, you should plan to look at your condo’s association master policy. How Much Dwelling Coverage Do You Need? There are two types of master polic[...]

Happy Fathers Day 2020

Posted on June 21, 2020June 19, 2020 by cvargas

Photo taken in 1992 when Jonathan and I met his brother, Matthew for the first time. Happy Father’s Day. I say that with no exclamation, no sense of a hearty salutation. Not that I want Fathers today to feel un[...]

What You Need to Know About Forced Place Insurance

Posted on June 16, 2020April 15, 2020 by cvargas

Unexpectedly finding yourself paying for forced place insurance can create a significant dent in your monthly budget. This type of insurance is a lender’s response to expired or insufficient insurance, and it co[...]

What You Need to Know About Personal Property Insurance (for Your Home)

Posted on June 9, 2020April 15, 2020 by cvargas

Homeowners insurance in Massachusetts is complicated. That’s why the staff at Vargas & Vargas is creating blogs. We want to help our customers understand the most important insurance topics as they relate to YOU[...]

Working from home

Posted on June 3, 2020June 3, 2020 by cvargas

If there’s anything these uncertain times have taught us, it’s when massive changes come our way, we can adapt. Confronting the global COVID-19 health crisis has brought many changes to our daily routines– in[...]

All About the Circuit Breaker Income Tax Credit for Massachusetts Homeowners and Renters Age 65+

Posted on June 2, 2020April 15, 2020 by cvargas

It’s tax time! At Vargas & Vargas, we’re Massachusetts licensed insurance agents and tax professionals, and we’re ready to help. We want our customers to be aware of the Massachusetts “Circuit Breaker” tax credi[...]

Do I need comprehensive coverage if I have collision

Posted on May 31, 2020June 8, 2020 by agentinsure

Auto insurance is not just one type of insurance. In most cases, you will need to have liability insurance coverage to protect other drivers from you and any mishap you may have. This is mandated by each state an[...]

Progressive vs. Geico Insurance

Posted on May 26, 2020April 15, 2020 by cvargas

All insurers are not created equal, nor are all insurance policies. We’re not here to sling mud or speak badly about any insurance provider! But we are going to explain how every insurance company has an ideal c[...]

What You Need to Know About Liability Insurance for Your Massachusetts Home

Posted on May 19, 2020April 3, 2020 by cvargas

Liability coverage may be the least understood portion of a typical Massachusetts home insurance policy. Other standard home insurance coverages — like dwellings coverage or personal property coverage — protect[...]

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