Vargas & Vargas Insurance

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Dorchester, MA 02124

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Your Monthly Home Maintenance Checklist

As a homeowner, it can be a struggle to know exactly what should be on your to-do list to keep everything in your house running smoothly. There are some things that need to be done annually, quarterly, twice yearly, as needed… the list goes on.

If you have trouble keeping track of all these necessary tasks, consider using a task manager or even an adult chore chart to keep yourself organized. Many of these are available, so you only need to try a few and find what works best for you. Some people prefer paper lists, while others like online to do list organizers like todoist or any.do.

Today, we want to focus on the things that you should be checking or doing in your home every month. This list will be different for every home, but the items below are some that will be needed by most Massachusetts homeowners. You can tailor your list as needed. And remember, these tasks may seem like (and let’s face it – they are) chores, but

First, check your home’s HVAC filters. Some people will recommend you change the filters monthly, but we find that a monthly inspection will often do the trick. Look at the filter and see if you’ve used it enough to warrant installing a new one. Homes without pets and without residents with allergies may only need to change the filter every month or two.

Do you have a disposal in your kitchen sink? Every month, clean it by grinding up a few vinegar ice cubes (fill an ice tray with vinegar and let freeze – one tray of cubes will be enough for a few months’ worth of cleanings). The vinegar will freshen your disposal, and ice sharpens the blades!

In addition to cleaning your sink’s disposal, consider cleaning the filter on your range hood. Depending on how often you use the vent, these can get greasy quickly. Soak the filter in a degreaser mixed with hot water, and rinse – it’s that easy!

Do you have a fire extinguisher in your kitchen? Hopefully you never need to use it, but you should check monthly to ensure that the gauge shows that the internal pressure is in the right range, as well as that it is easily accessible in case there is an emergency and you need to grab it in a hurry.

Depending on the composition of the water in your home, your sink’s aerators and your shower heads may need to be cleaned often in order to ensure proper pressure and flow. There are plenty of products on the market that can help with those pesky mineral deposits and buildup, but first try plain white vinegar – you might find that it does the trick without the need for expensive and harmful chemicals.

About once a month, when you have the vacuum out for your normal cleaning routine, take a few extra minutes and clean a few more things around your home. This should include any dust or debris around your HVAC system, as well as the vents connected to the system. If you’re feeling extra ambitious, slide your fridge out from its usual spot (or open the bottom, depending on your model) and give the coils a dusting to keep the system running efficiently.

In addition to these monthly home maintenance tasks, you need to ensure that you are performing less frequent tasks – for example, those that need to be done seasonally. Here on vargasinsurance.com, we often post blogs recommending seasonal maintenance tasks, so stay tuned for our advice on some of the maintenance that your home needs in order to run smoothly. We post seasonal tips all year long, like Surviving Winter in Your Boston Home, Spring Cleaning Tips that Everyone Should Know, Summer Tips for Small Business Owners, and Fall Home Maintenance Tasks, just to highlight a few examples.

Do you ever feel like some of these maintenance tasks are too hard or too time consuming to complete properly? Don’t worry – there are plenty of handymen and maintenance professionals that can help you with any tasks that you need help completing. As always, the agents at Vargas and Vargas Insurance Agency have connections in the community and can connect you to the perfect person for the job. For our recommendation, just contact an agent and ask for a referral.

While it may be an annual home maintenance task, checking your Boston home insurance policy is a critical part of making sure that your home is protected against several types of catastrophes. When was the last time you talked to an insurance agent about whether you have the right levels of coverage? If it’s been more than a year, call 617-298-0655 and speak to a Vargas and Vargas Insurance agent about your home protection. We are always available to give insurance advice and free Massachusetts insurance quotes, so contact us today.

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Morning Motivation – Week of January 7, 2019

You know that I like to start each week with some positive words of wisdom:

While at Christmas Mass, I was thinking about the story of Jesus from a business perspective. He comes along and tells people that huge chunks of what religion and government are doing are all messed up through telling stories. His perspective shakes up everything.

You don’t have to be religious to follow along. Just think about a guy showing up on the scene and saying, “I’m the son of God and you’re doing it all wrong.”

All the Rules Have Changed

The other day, I was on a coaching call with one of my clients and I pointed out that the rules for subject lines on newsletters and blog posts have changed. Instead of simply stuffing in a few keywords, the new rule is to create a subject line that will really grab the reader’s attention and encourage them to click in. What we had originally been taught was wrong!

Everyone tells you to use lots of pictures. I started doing the opposite… (maybe I’m wrong, but my email open rate increased immensely!) This is the big point: lots of things change. Lots and lots of the rules change. You CAN’T adhere to something just because you learned it once.

You Have to Learn Over and Over and Over

When I launched my coaching program, I made sure that what I was coaching still worked. Sometimes, within a very short period, the subject that I’m coaching on has changed. Other times, I’m safe, because what I coach on has worked for me for the last 15 years and for most savvy business people for eons! But some things do change and I have to learn things over and over.

Before I sign off for the week, I want to thank you for your time and attention in 2018. I hope that I continue to add value to your inbox. I’m here any time you want to hit reply – I’m never too busy to talk with you.

I appreciate you.

Carlos

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Recap: Phishing Scams

“At the end of the day, the goals are simple: safety and security.”

– Jodi Rell

Do you ever worry about your electronic security? It seems like nowadays there are hackers around every digital corner, looking to take advantage of users everywhere. The key to avoiding being taken advantage of is to stay vigilant. Here are some tips from our recent blog about how you can avoid being the target of a phishing scam when you are online:

  • Have unique, secure passwords for each of your online accounts. A secure password should include a random assortment of letters, numbers, and special characters.
  • Use two-factor authentication in addition to a password whenever possible, especially on accounts for banking and other sensitive information.
  • Never click on a link or open an attachment when you don’t know who sent you an email. Check URLs to make sure that they are legitimate and not misspelled or using special characters.
  • When browsing the web, be aware if a website is secure and encrypted by checking to see if the URL starts with “https.”

If you’re looking for more than just digital protection, call Vargas and Vargas Insurance Agency for all your Massachusetts insurance needs. We offer many types of insurance policies that will provide you and your loved ones with financial protection for your home, car, business, and much more. One quick and easy call to 617-298-0655 will get you on the road to great insurance protection.

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What Your Home Insurance Does (and Doesn’t) Cover

Everyone knows that when you own a home, it needs to be insured with a great home insurance policy. But what does that mean? What types of protection does a typical Massachusetts home insurance policy cover? While each policy will be slightly different based on the home and the needs of the homeowner, there are certain things that you can safely bet that any home insurance policy will (and won’t) include.

What Is Covered

Your Property

When you purchase home insurance, the most basic type of coverage included in your policy is coverage for the property itself. This should include your walls, windows, floors, roof, and all the basic structural elements of your home. Just be aware that damage due to specific causes or events may not be covered, as noted below.

Personal Property

In addition to covering the structure of your home, most home insurance policies will also cover your personal possessions, up to a stated limit. Thankfully, you can talk to your local insurance agent to adjust this limit to fit your needs and the needs of your family. It is also worth noting that your belongings don’t necessarily need to be in your home in order to be covered – ask your agent whether your coverage includes protection for items stolen out of your car, or a child’s belongings while they are away at college, for example.

Personal Liability

The final type of protection often included in a standard home insurance policy is personal liability protection. This coverage will help to ensure that you are financially protected if you are involved in a lawsuit because, for example, a guest trips and injures themselves on your property and sues you for medial expenses and lost wages. You never know what the future will bring, so while you never expect to be involved in a lawsuit, this insurance coverage is a good safety net to have just in case.

What May Not Be Covered

Flood

Your basic home insurance policy will cover several perils, but flood damage isn’t one of them. To learn more about flood insurance, read our FAQ blog here. One of the most important things to know is that to be a flood, waters must cover at least two square acres of normally dry land and/or affect at least two properties. If you want coverage for flood damage, ask your insurance agent about getting a flood insurance policy to add to your insurance portfolio.

Earthquake

Like floods, earthquake coverage is contained in a separate insurance policy and won’t be included with your home insurance. New England regularly gets hit by smaller magnitude earthquakes, but there is always a chance that a big one will hit. The most famous earthquake to ever hit our area was the 1755 Cape Ann earthquake – at over a 6.0 on the Richter scale, it damaged hundreds of buildings and could be felt all the way from Nova Scotia to South Carolina!

Collectibles and High Value Items

Your home insurance will probably include coverage for your possessions, but you may want to offer special consideration for your high value items. As stated above, policies have limits on the amount of coverage they offer, so adding extra protection for some of your items may be recommended. This is especially true for fine jewelry, antiques, collections, etc. Talk to your Vargas and Vargas Insurance agent about any items that you fear may not be covered under a standard home insurance policy – they will be able to tell you whether you need additional insurance protection for these items as a floater on your home insurance or as a separate policy.

High Risk Items and Situations

Here is another reason that you may want some expert help in reading the small print of your home insurance policy: some high-risk situations and items may not be covered! Every insurance provider is different, but some may not cover, for example, trampolines or offer liability protection for certain breeds of dog. If you have any special needs when it comes to having a high-risk situation like these, an insurance agent can help you select a policy that will offer coverage for you. The most common of these is pool accidents – and even if your policy offers coverage for incidents pertaining to your pool, you may want to consider some extra liability insurance to offset the additional risks associated with it, especially if you will have children or young adults swimming often.

As we mentioned earlier, this blog should not serve as a definitive guide for every home insurance policy. To find out what your unique home insurance policy covers, call Vargas and Vargas Insurance Agency at 617-298-0655. Want to find out what types of coverage we recommend for your Boston home? Call or click for a free home insurance quote from our coverage experts, and have us craft a unique policy tailored to your needs.

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Morning Motivation – Week of December 31, 2018

Hello again, friend!

Are you ready for my last words of wisdom for 2018? Here they are:

Last week, I talked about how it is hard to market your business nowadays because it is so easy for messages to get lost in the crowd. In the old days, it was enough to get a logo, a tagline, some colors and maybe a theme song. That was a brand. But those days are LONG gone.

In 2019, brands are about action and motion and relationship building and connectivity and repetition. (Repetition. Repetition.) And I can bet that you’re not doing NEARLY enough to help your business by creating the relationships and actions necessary for excellent branding.

Here’s what you should be doing to win even be recognized in your space:

  • Show what you do into something memorable
  • Show that you care about your community and other businesses
  • You need to say and do what you’re afraid to express
  • Use your brand to support your friends and customers’ stories

The newest ideas or shiny objects that have worked in the past are not going to take you far in 2019. You have to build something concise, flexible, repeatable, and that connects and serves others (the people we most want to see win).

(Name here), let’s rock this coming year together, and let’s do that by starting with a look at how we are branding ourselves. And make sure that you stay tuned for my first message of 2019 next week!

Happy New Year!
– Carlos

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Recap: New Year’s Success

“Success usually comes to those who are too busy to be looking for it.”

– Henry David Thoreau

Have you decided on a New Year’s resolution for 2019 yet? Many people around the world will be choosing personal and professional goals to work on throughout the year, but statistics show that many of them won’t succeed! Here at Vargas and Vargas Insurance Agency, we want to make sure that you achieve all your goals, so we shared some tips to help you make your New Year’s resolution a reality this year:

  • Choose a goal or two, but don’t overextend yourself by trying to do too many things at once: remember – quality over quantity.
  • Make sure that your goal is well-defined by using the SMART goal guidelines.
  • Hold yourself accountable and do what it takes to ensure success in your endeavor.
  • Treat yourself to small rewards on your journey – they will help motivate you to keep going and make process toward your desired result.

If there is anything our agency can do to help you reach your goals this year, please call us at 617-298-0655. We can review your insurance policies, refer you to a local professional, and much more. Here at Vargas and Vargas Insurance we are passionate about helping our neighbors, so let us know what we can do to help you in 2019 and beyond!

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Avoid Being the Target of a Phishing Scam

At Vargas and Vargas Insurance Agency, we always want to make sure that our clients are safe. Insurance, for example, is a great way to ensure financial security in case of an unexpected loss. If you have the right insurance policies, you can rest easy knowing that you are financially protected.

Another way that we provide safety tips to our clients is through these informative blog posts. We recently read about an upsurge in phishing scams, so we want to make sure that you are well versed on what these cyber attacks are and how you can avoid falling prey to them.

What is Phishing?

No, don’t look for your bait and tackle just yet – we’re talking about phishing, with a ‘ph,’ which is a term for the scam where hackers attempt to attain your personal electronic information via electronic means, often email, phone call, or text message. The information they target can vary but is typically either usernames and passwords or credit card information.

Why is it called ‘phishing,’ you ask? Well, it’s done by lulling the target into a false sense of security and attempting to lure them into giving out sensitive information!

This type of scam has been around for more than a decade. The first lawsuit related to phishing was in 2004 against a California teenager who used an imitation of the AOL website to trick people into entering their credit card numbers.

Unfortunately, hackers are evolving the avenues used for phishing more quickly than cybersecurity experts can defend against them. This means that you must be constantly vigilant about making sure that your information is secure.

What can you do to avoid being targeted?

In today’s world, one of your top priorities is to keep your personal information safe from prying eyes. Thankfully, there are a few basic steps that you can take in order to help ensure that you are protected from those that would take what isn’t theirs.

The first thing you should brush up on is password security. You probably have a lot of online accounts, ranging from the unimportant to the critical. Consider this: how many of these accounts have the same (or very similar) passwords? If a hacker were to somehow obtain the credentials to one of your accounts, would they then have access to many more?

In order to keep your online accounts secure, each one should have a unique password. Preferably something that doesn’t involve names of loved ones or the numbers of your birthday (and please, never use “password123” – it’s the first thing that hackers will try). The best thing that you can do is use a completely random string of letters, numbers, and special characters. To simplify this process, consider using a well-vetted password manager (there are several available) for your password creation and management. Also consider using two-factor authentication on websites that allow it, namely for your banking accounts.

Once you have secure passwords, you need to do your part in making sure that you don’t accidentally give them to hackers. This is easier said than done, as phishing scams are getting more difficult to detect. When you’re in your email, make sure that you only click on links or open attachments from trusted senders. If you ever receive an email that makes you uneasy, remember that it’s better to be safe than sorry – especially when it comes to your personal data. Verify that a website’s URL is correct when clicking a link. Some scammers get crafty and make URLs look authentic by making things seem legitimate, but you may discover that they’re using a special character or adding or omitting letters from your intended destination. Also, before entering your login information on a website, check to make sure that the URL starts with ‘https’ – the ‘s’ means that the website is secure and encrypted, and can be one step in verifying that entering your information is safe.

In addition to being careful in giving out your information, make sure that you and your loved ones are using spam filters and ad blockers when on the web. These can help block out known scams from even being seen on your browser or in your email client.

Remember, the best thing that you can do to keep your information safe is to be very careful about giving it out. If you’re ever in doubt about an email or communication that you get from our agency, just call our office at 617-298-0655 and ask if it is valid. We can help you determine whether we need information from you and get it safely and in a way that doesn’t compromise your online security.

We’re also always available if you need a quote for Boston insurance policies! Call 617-298-0655 for a free consultation on Massachusetts home insurance, auto insurance, business insurance, or any of your current or needed policies.

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Does renter’s insurance pay if I have to relocate?

You had to purchase renter’s insurance to sign the lease. Now, you have to relocate for a period due to matters that are beyond your control. Will your renter’s assurance policy in Dorchester, MA cover the costs associated with such an uprooting? Read on to find out. Contact an agent at Vargas & Vargas Insurance to learn more about renter’s insurance.

What is renter’s insurance?

A renter’s indemnity plan is a financial security net for individuals who lease or rent property. Much like homeowner’s insurance, a renter’s indemnity plan protects your possessions in the event of the apartment flooding and destroying your goods. A plan may also guard against financial turmoil for minor alterations that you make to the interior structure in efforts to make the place feel like your own.

Is assurance required?

There is no state law that mandates every renter obtain an assurance policy if they rent or lease in Dorchester, MA. Some landlords, however, may require that you purchase renter’s insurance so that you do not sue them for recompense should your goods be stolen or damaged while you reside on their property. You should look into renter’s insurance even if buying a policy is completely optional. Why would you want to forgo financial coverage?

Does renter’s insurance pay if I have to relocate?

Your renter’s insurance possibility may not cover relocation expenses. Such is the reason why you should speak with an expert from Vargas & Vargas Insurance to discuss your options and explore the possibilities of coupling umbrella insurance with your renter’s indemnity plan. Contact our office today to begin a quote and start your life of financial security with the added safety net of a good assurance policy!

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Morning Motivation – Week of December 24, 2018

As you know, I love to start the week with some words of wisdom:

How much of what you know you’re “supposed to do” are you actually doing? Where are your paths of resistance? What do you still think is “for the kids?”

People aren’t seeing most of what you offer. You’re sharing sometimes, but not enough. You’re creating marketing and messaging, but often it’s “same as” and getting lost in the weeds. And it gets worse…

Here are the facts:

  • No one has much of an attention span
  • The stream of life moves far too fast
  • Most people are NOT reading much
  • All business needs media attention
  • Your brand needs constant expression
  • Branding today is an all-encompassing packaging effect around the work you do FOR others

Branding is designed to aide with memory, with recognition, with a sense of tribalism built around an experience, of a service or product. The people who think it doesn’t matter are the ones who are forgotten or ignored.

So, what can you do to stand apart from the crowd? That’s another message for another week, so make sure to watch for my next message.

I hope that you had a great holiday!

Carlos

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Recap: 2018 Blogs in Review

“The process for finding, creating, and consuming information has fundamentally changed with the advent of the web and the rise of blogging.” – Ryan Holiday

Here at Vargas and Vargas Insurance Agency, we have put a lot of effort into providing our clients with interesting and informative content all year round. In 2018 alone, we have posted dozens of blogs with varied content – you’re sure to find something of interest to you or your loved ones. Here are just a few examples of posts from the last year:

What was your favorite blog post from 2018? There are so many great ones from which to choose!

We also want to ask that you subscribe or stay tuned to our agency in 2019. We have a lot of exciting plans and we don’t want you to miss a thing! There will be plenty of blogs with tips about insurance, home ownership, automobiles, running a business, and much more.

And, as always, make sure that you call Vargas and Vargas Insurance Agency in 2019 if you have any insurance needs. We will always work hard to make sure that you get the coverage you need, so don’t fret – just call 617-298-0655.

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Set Yourself Up for Success in the New Year

The start of a new year is a great time to evaluate your life. Looking at where you are and determining where you want to be in the future (both personally and professionally) is the first step in setting and achieving your goals!

Choosing a Goal

Do you have something in mind that you want to achieve this year? There are several common personal goals that people set, including eating healthier, exercising more, spending less (or saving more) money, learning a new skill, etc. In addition, some people like to set professional goals, like focusing more on networking, reading more business books, getting a certification, or getting a raise or promotion.

Which of these resonate with you? Don’t overstretch yourself by choosing too many goals, pick the one or two that you want to focus on this year, and save the rest for another time. If you need help choosing a goal for the year, talk to a close friend or mentor about what they think you can do to be a better person (only if you have thick enough skin to handle some criticism, though!)

Defining Success

Choosing a goal for the year is a great first step, but you need to make sure that your resolution is well-defined so that you have a clear finish line to work toward. Take a few minutes and make your resolutions into a SMART goal. Remember, the acronym “SMART” says that your goals should be Specific, Measurable, Actionable, Realistic, and Time-bound. So, instead of “lose weight” try “lose __ pounds by December 31 by exercising twice a week and eating less calories.”

Making a Timeline

Once you have a well-defined goal, you should make a timeline of the steps needed to reach your goal. You have a whole year, so spread out the tasks and give yourself plenty of wiggle room. Monthly mini goals would be a good place to start so that you can measure your progress and make sure that you stay on track.

Holding Yourself Accountable

Accountability is an important trait to have if you’re going to achieve the goals that you set. It is so easy to make excuses, but you’re not going to! Instead, use some of these tricks from the Inc.com list of 8 Habits of Highly Accountable People:

  • Take responsibility for your tasks.
  • Don’t make excuses or blame others if things aren’t going according to plan.
  • Be on time with your mini-goals.
  • Control your own fate with proper planning.
  • Own your feelings and don’t let a bad day (or week or month) derail you.
  • Manage expectations and adjust goals and timelines as needed.
  • Collaborate with others and make the most of all your available resources.
  • Don’t expect praise – satisfaction should come with a job well done.

Which of these habits will you employ to help you with your 2019 New Year’s resolution? We especially like the tip to collaborate with others. Here at Vargas and Vargas Insurance Agency, we have lots of community referral partners that help us achieve our goals.

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In addition, having a friend or loved one that knows about your goal and that has been asked to periodically follow up on your process is a proven accountability technique that helps many people achieve their goals year-round. There are even accountability and goal tracking apps for iPhones and Android phones that will help to keep you honest about whether you are on track and can even add in a financial component to motivate you – automatically transferring money to a person or charity when you don’t meet your goals.

Celebrating Wins

The saying may state that “A job well done is its own reward,” but sometimes you need a little extra motivation to complete your goals or achieve your resolutions. Everyone has their own unique set of rewards that will motivate them, the trick is to decide ahead of time what you will do for yourself and at what point. If you know that you are close to hitting one of your small milestones, you may push yourself in order to earn your reward.

Ask yourself: What would motivate me to work harder toward achieving my goals? Maybe it’s buying something for yourself, some ‘me-time’ or time with the family, or a food treat. Find what motivates you and use it to your advantage.

So, are you ready to make 2019 your best year yet?

Can Vargas and Vargas Insurance Agency help you reach your goals in 2019? Whether you need a referral to a local professional or you want help making sure that you are financially sound in the year to come, all you need to do is call our agency at 617-298-0655 for assistance with your insurance policies. We are always excited to be able to help our neighbors!

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Morning Motivation – Week of December 17, 2018

Are you getting your week off to a good start, friend?

I have a question for you – Do you ever feel like you’re not good enough to do something?

In my message last week, I told you all about how I was encouraged by the state of the independent insurance industry as I was at an IOA conference that I attended recently. At that conference, I also spoke on using video in business.

I told the whole room full of people during my speech that their excuses as to why they weren’t making videos were dumb. I said, “You’re worried that you’re fat. I am fat, and I am definitely not the handsomest guy in the world. You may worry that you are too old, but I am old. The truth is, you are. You’re fat. You’re ugly. You’re old, face these facts and make videos anyway.”

It got laughs. SOME of the people that laughed probably thought, ‘Carlos just called me out on my BS and he’s right. I’ll make a video.’ Other people laughed in that nervous way that showed they were worried I was looking into them.

Here is the point: Sometimes you’re a loser. So what? I am… Still. After all these years. And then I’m a winner. And then I’m too fat. And then sometimes I get the bug to get fit again (feel like it just bitten me again on this last trip to hit the gym).

If I tell you how often to send an email out, great. If you ask me about the mechanics of podcasting, wonderful. But who cares what you’re doing as long as your audience perceives it as valuable?

Here is a hint: no one cares if you’re successful as much as they care that you’re helping them solve a problem in their lives. I mean, they want you to win, want you to be okay, etc. But if you’re connecting with people for your business, it’s not like they’re losing sleep over you.

In all cases, the stories I’ll remember most were the ones where someone was real with me. People who were willing to be vulnerable made me want to reach back and help.

But the ones who I asked how they were doing and they responded “great” and “busy” – not so much!

Thank you for reading!

Carlos

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Recap: Before Buying Business Insurance

“Finance is not merely about making money. It’s about achieving our deepgoals and protecting the fruits of our labor. It’s about stewardship and,therefore, about achieving the good society.” – Robert J. Shiller

Protecting your business is something that you must take seriously. That’s why you need a great business insurance policy. If you’re getting ready to start a new business and purchase your first policy or get a quote for a new policy, read our full blog post about how you should consider some of the following factors:

  • There is a minimum amount of insurance you must carry based on Massachusetts laws.
  • Your business has unique risks that need to be accounted for.
  • You should make sure that you get a great deal on your policy without sacrificing great coverage.
  • When in doubt, get a little extra coverage – the peace of mind is well worth the cost.
  • Once you have a policy, review it with your agent and update as needed – at least once a year.
  • If you need help with your business insurance, ask a Massachusetts insurance expert from our agency.

Want a helping hand in building and choosing your next business insurance policy? Call Vargas and Vargas Insurance Agency at 617-298-0655. One of our agents will get to know your needs and will find the perfect commercial insurance coverage for you. The process doesn’t have to keep you up at night – just get some help from your neighbors here at Vargas and Vargas Insurance!

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Vargas and Vargas Insurance Blog – 2018 in Review

2018 has been a great year here at Vargas and Vargas Insurance Agency. We are proud to say that we help the residents of Boston protect their homes, cars, businesses and beyond, and we look forward to continuing our journey to complete customer protection in 2019. If you’ve been visiting our blog this year, you may be familiar with some of the content we have posted. For those of you that don’t subscribe, however, here is a quick recap of what you may have missed this year. Click on the title of the article to visit the full post!

January – Avoiding and Treating Frozen Pipes

When the outside temperatures drop, so too can the temperature in your home’s water system. Prevent frozen pipes by ensuring that pipes are properly insulated and letting faucets drip on especially cold nights. If your pipes freeze, call a plumbing professional for help.

February – What Is Liability Coverage, and Why Do You Need It?

Many of your insurance policies likely have ‘liability protection’ built in. What does this mean? As our post states, “Liability insurance is the critical coverage that offers financial protection if you are sued or held legally liable for damages to another person, such as property damage, injury or negligence.” This makes it an indispensable coverage for you and your loved ones!

March – 10 Essential (and Easy to Forget) Home Maintenance Tasks

Maintaining a home can be a chore, but there are certain things that need to be done in order to ensure the operation and safety of your things. Check out the link to the full blog post for tips on how to keep your fridge in tip top shape, the importance of testing your smoke and carbon monoxide detectors, extending the life of your clothes dryer, and much more.

April – Common Insurance Mistakes and How to Avoid Them

In this springtime blog post, we covered the top three mistakes made with three of our most popular products: home insurance, car insurance, and business insurance. At Vargas and Vargas Insurance, we always aim to make sure that our customers get superior customer service, and that all these mistakes are avoided when choosing a policy.

May – Build Better Habits at Work

Do you ever wish that you could be a little more productive at work? In this post we shared tips for how employees can make the most out if their days at the office, and how business owners can encourage employees to be at their best.

June – The Ultimate Guide to Road Tripping

Summer is a favorite time of year for Boston families to take road trips, so we published several tips including destinations that would be perfect for a long or short trip, a ‘to-do’ list for before you hit the road, and some ideas to avoid having all your passengers asking, “Are we there yet?”

July – Flood Insurance Frequently Asked Questions

What is flood insurance? Do you need a flood insurance policy? All our most frequently asked questions about flood insurance are in one place! Get answers to “What is federal disaster assistance?” as well as “What is a flood zone?” and much more in this informative post.

August – The Best Apps for Homeowners

Nowadays, there is a smartphone app for everything. We found eight great apps that every homeowner should check out. How many do you have, and are there any on our list that you might find you can’t live without? Includes recommendations for Android phones and iPhones.

September – The Benefits of Having a Virtual Assistant

As a business owner, do you ever wish that you could take certain tasks off your plate? Having a virtual assistant can do just that. Hire someone that can balance your weaknesses and free up your time so that you can focus on more important factors in your business.

October – Savings Account: Critical for Your Financial Success

Do you have enough saved up for a rainy day? It’s estimated that 7 in 10 Americans would struggle financially after losing income for just one month. This blog espouses the importance of compounding interest, as well as gives several tips on how to boost the amount of money that you save.

November – Cancelling Auto Coverage Can Affect Future Rates

If you’re thinking about cancelling your auto insurance policy, make sure that you talk to your Massachusetts auto insurance agent first so that you can discuss potential repercussions, including increased rates on policies in the future.

December – Steps to Take Before Buying Business Insurance

Business insurance doesn’t have to be complicated. With the help of an experienced insurance agent, you can get the coverage that your business needs for a reasonable price. In this post, we highlight a few things that you should think about before purchasing a commercial insurance policy, including your business’s level of risk and the Massachusetts state requirements for coverage.

What did you think of our posts in 2018? We have lots more great content planned for next year, so make sure that you subscribe to the blog! Happy New Year from your friends at Vargas and Vargas Insurance Agency and remember – one call to 617-298-0655 and we will help you get the best possible insurance policies!

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Morning Motivation – Week of December 10, 2018

Did you know that collaboration is one of my favorite activities?

As I mentioned in my earlier posts, I talked about how I was in Michigan speaking at an IAO (independent agency owners) convention. While I was there, I met some amazing young insurance agency owners that give me a great feeling that my industry is not on its deathbed, but that with these rock star owners we may even grow market share!

I got to hang out with these 3 amazing IAO’s – Jason Verlinde from Michigan, Nicholas Ayers from California, and Brandon Smith from Montana. These guys are REAL, they made me love the insurance business even more seeing them in outside their comfort zone, they are so genuinely happy and show it. I spent most of return day doing some one-on-ones with these agents. I came away with some ideas for our business and now that I am waiting for the plane to head back to Boston, I thought that I would put my thoughts to paper.

I started thinking about how many lies I read online about how the independent insurance agency system is broken and that companies like Amazon and Lemonade are coming for us… but I have been hearing these lies for years.

It all started with GEICO, then Google tried selling insurance, but they forget that many consumers still rely on independent insurance agents to shop around for them for the right coverage at the right price. GEICO is still around (although Google got out of the insurance game). GEICO loses almost as much business each year as they write due to their lack of service, or by trying to put aftermarket parts on brand new automobile.

It’s amazing how many times I shook a hand or hugged someone and the person did not ask questions about any insurance-related topics, like:

  • How to make their system better
  • How I have survived 39 years as an IAO and still LOVE every day
  • How they can improve retention, how to connect with today’s consumers and increase sales
  • How the generosity leads to reciprocity system works
  • What is the best way to be part of their communities

You see, part of what I spoke about at the convention was not being a “secret cell.” Instead, I talked about the importance of getting out of the office, rolling up your sleeves and giving back to your local community. As business owners, it is so easy to give our money to worthy causes, but that is only half of it, we always skip the most important part, which is showing up and helping out. That is where the magic happens – when people meet you and start to know you. Then, when they have a need for insurance you are top of mind because of the interactions you have had in the past.

I’m not saying you need to be out there 24/7, but how can we give thousands of dollars to local worthwhile charities and not show up at any of the events? When you’re surrounded by the people that you are helping with your donation, it’s an automatic connection, right? Those connections are a critical part of running a successful independent insurance agency!

Next week, I will continue to talk about my experiences at the IOA convention, so stay tuned for more information that I hope will help you in your business.

Carlos

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Recap: Surviving Winter for Bostonians

“To appreciate the beauty of a snowflake it is necessary to stand out in the cold.” – Aristotle

There are only a few weeks left in the year, and as snowfall becomes a more regular occurrence here in Massachusetts, we want to make sure that our clients stay warm, healthy, and happy throughout the cold winter months. Here is a quick recap of our full blog post with ideas on how to make this winter the best one yet:

  • Be Warm – Keep the freezing temperatures outside of your home by making sure that your windows and doors aren’t drafty. Set your thermostat to 68 degrees for optimal heating and energy consumption, according to ready.gov.
  • Be Healthy – Colds and flus run rampant in the winter, so get a flu shot and wash your hands often. Exercise at your local gym or try a winter sport to stay in shape.
  • Be Happy – Don’t let the cold get you down – there are plenty of wintertime activities in the Boston area! Or, if you would rather stay inside, now is the perfect time to binge watch a new show, read a book, have a family game night, or try a new recipe that you’ve been craving!

When was the last time you reviewed your insurance policies with a Vargas and Vargas Insurance agent? Call 617-298-0655 and we can chat about your home, renters, or condo insurance policy to make sure that it is providing full coverage for you and your loved ones.

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Steps to Take Before Buying Business Insurance

At Vargas and Vargas Insurance Agency, we help Boston residents with many types of insurance needs. We handle home and auto insurance, as well as renters and condo insurance. You should also know that we handle many different types of commercial insurance policies for local businesses! If you’re a business owner and you’re in search of the perfect business insurance policy (and let’s face it; who isn’t?) stop and consider the following seven factors:

Determine your insurance requirements

When purchasing insurance for your business, you should first know what types of coverage you are required to have. Every state is different,so you will need someone in your corner that is familiar with the Massachusetts requirements. In addition, there may be requirements based on your industry, or certain obligations that you have if you rent your business space. Also find out about your workers compensation requirements and stay on top of those as your business grows if you hire new workers.

Thankfully, you don’t have to sift through all the legalese on your own. A qualified Massachusetts business insurance agent can help you navigate the often-murky waters of insurance requirements.

Know the risks in your area of business

At Vargas and Vargas Insurance Agency, we know that every business is different. We want to offer you complete protection, so we will help identify your unique risks to ensure that you get full coverage. For example, a restaurant may need coverage for food spoilage and liquor liability, where a tech-based business could require cyber liability coverage and errors and omissions insurance.

No matter what type of business you own, we’ve got you covered.We insure many types of businesses here in the Greater Boston area, and we are confident that we can craft a policy that is tailored to the special needs and risks of your business.

Focus on your amount of coverage…

Business owners know – bottom line is important, but it’snot the only thing that you should focus on when you make decisions for your business. As you talk to your business insurance agent, don’t fall into the trap of asking for only the bare minimum insurance coverage in order to save money.Your insurance coverage is critical in making sure that you are protected in all kinds of scenarios, so your coverage is not the place to skimp. Just remember – your insurance is what will protect you if there is a lawsuit or a fire or another type of huge disaster, so ask your insurance agent how much coverage they recommend. They will be able to find a coverage amount that suits your needs.

…As well as your deductible

So, we firmly stand by everything we said in the last paragraph…but we know that your bottom line is still important to your business. We want you to have the best of both worlds – a great insurance policy at a price that won’t overburden your budget. That’s why you should use an independent insurance agency when purchasing your policy. We can shop several insurance providers to find you one that will offer the best deal. We will be on the look out for discounts that you qualify for and other savings that you could use.

Err on the side of caution

If you’re faced with a decision of how much coverage to purchase for your business, we recommend that you err on the side of caution.Just remember – you never know when or why your business might be affected by something devastating, so purchase a little bit more coverage, or buy that extra bit of umbrella insurance. You’ll be glad that you did if for some reason you ever need to use it.

Become familiar with your policy

Once you have a commercial insurance policy in place, it is your responsibility to become familiar with it. If you’re brave, you can read over it yourself… if, however, that makes your eyes glaze over (and don’t worry, it happens to everyone) ask your insurance agent to go over the basics of your coverage with you. It is also important to make sure that you review your business insurance coverage at least every year so that you can refresh yourself on the protection that you have, as well as update your policy based on any changes that are happening in your business.

Ask an insurance expert for help

Owning a business is tough, but if you know the right people it doesn’t have to be. Thankfully you have Massachusetts insurance experts in your corner and ready to help with all your insurance questions, concerns, and needs.

Want to talk to a Vargas and Vargas Insurance agent about getting a commercial insurance quote for your business? Don’t put it off any longer – the process is simple. Just call 617-298-0655 to get started and we will have a free quote for you in no time.

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Morning Motivation – Week of December 3, 2018

Can you believe that it is December already? I feel like this year has just barely begun! Let’s start this month of festivity off with some words of wisdom:

Did you read my post last week about using your hands during presentations? This week, I have another point to make along those same lines.

If we have ever been in the same space, you know that I am a “handshaker” and “hugger” and when I shake someone’s hand I will often tap them on the elbow to show my warmth to them. When I do this with my wife present, however, she always warns me that not everyone likes to be touched, Do you mind it if someone you know touches you on the elbow as they shake your hand and say hello?

Now let me ask you this – when you speak to a group of people, are you an anchorperson or a weatherperson?

Let me explain… when we speak, we have a choice between being an “anchorperson” or “weatherperson.”  As we all know from watching the news, an anchorperson sits stock still at a desk, rarely using their hands, while weatherpersons wave their hands and arms about broadly to indicate weather patterns on a map. If you are reading this post it is highly unlikely that you are in sales, are an entrepreneur or solopreneur, that you were auditioned for your position, or that you were hired because of your skills. If instead you were hired on the basis of the personality you presented during your interview and vetting process, then that personality was your natural style and you should stick with it.

Next week I plan to talk about the status of the insurance industry, and how it’s not on its deathbed like some people would have us believe. It’s going to be a good one, so don’t miss it!

Carlos

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Surviving Winter in Your Boston Home or Condominium

Winter is in full swing once again here in the Boston area. What are your favorite winter activities? We want to share some tips for staying warm, healthy and happy this winter in your home, apartment or condo. Choose one or try them all! Hopefully they can make your winter a little more joyous.

How to Stay Warm

The average low temperature in Boston for winter months is easily below freezing, so staying warm can be a challenge. Before you crank up the heat, check to ensure that the cold air is staying outside where it should be. This is best done with energy efficient (and non-draft-prone) windows and doors. See about refitting your home’s windows and doors if you are falling victim to drafts – these will cost you money year-round, cooling your home in the winter and heating it in the summer.

Do you have a programmable thermostat? Setting it to 68 degrees will heat your home while also conserving energy, according to ready.gov. Make sure to lower it by 10 or more degrees at night, though, to save approximately 10% on your heating bill. Also see if you can close the heat vent and shut the door to any unused rooms in your home or condo to cut your heating costs even further. It is also prudent to ensure that you have a back-up heat source in case of a power loss.

How to Stay Healthy

During the winter, more people stay indoors, and this means an increased number of germs in your home, apartment, or condo. Stay healthy by getting a flu shot if you can, and by washing your hands often. Also, regularly disinfect the surfaces of your home that are touched often. Just in case someone in your household falls ill, have the necessary medical supplies on hand so that you don’t have to make a rushed trip to the pharmacy.

Staying healthy in the winter also means finding the opportunity to exercise. Not many people want to go for an outdoor jog in the middle of winter in Boston, but there are plenty of alternatives that will keep you fit until the warm weather returns. Many people will choose to exercise at their local gym, where cardio and weight equipment are available year-round. Some gyms in the area also offer indoor pools and/or fitness classes that can keep your exercise routine fresh and new. There are also plenty of options available for people that would rather exercise at home, and you don’t have to spend a lot of money on expensive equipment.

If you would rather continue to get your exercise out in the fresh air, choose an appropriate wintertime activity. Ice skating can be a great cardio workout, you can also try something more off-the-wall, like cross-country skiing or snowshoeing. Just make sure that you are dressed appropriately, and that you take plenty of breaks from the cold and that you stay hydrated as you work out outside.

How to Stay Happy

As we mentioned, the cold weather of the winter often means spending more time indoors. For some people this can lead to wintertime blues and boredom. Instead of being unhappy that you must spend so much time inside, try to be thankful for the extra time in your cozy home. Get your family together to play a board game, binge watch a tv show that looks interesting, cook up a new recipe, or check something off your reading list.

Need to get out of the house? You’re in luck! There are lots of activities in the Boston area in the winter, so you don’t need to feel like you’re cooped up – even when the city is blanketed in snow! Family activities are especially popular this time of year, including the Holiday Bricktacular at Legoland Discovery Center, Santa Saturdays at the Franklin Park Zoo, and Snowmazing! at the Boston Children’s Museum, among many others.

A few more favorites from the agents here at Vargas and Vargas Insurance Agency include seeing The Nutcracker at the Boston Ballet, catching a Holiday Pops performance at the Boston Symphony Hall, and seeing the Christmas trees at Faneuil Hall and the Boston Common. There are plenty of events happening in the area, so bundle up and have some fun out in the city to ward off the boredom often brought by the cold weather.

We also want to make sure that you know that Vargas and Vargas Insurance Agency is here for all your home, renters, and condo insurance needs this winter (and all year-round). If you want to have a chat about your current insurance policies, or if you have an insurance question, all you have to do is call us at 617-298-0655. One of our friendly and knowledgeable agents will be happy to take care of you!

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Morning Motivation – Week of November 26, 2018

Hello friendsI hope that you had a great weekend and Thanksgiving holiday and that you are ready for an amazing week! Did you enjoy reading my email last week about my ongoing Daily Video project?

You know that I LOVE to start each week with some positive words, and this week’s are:

It’s funny, I read the above quote the week before I was one of the speakers at an independent insurance agents meeting in Michigan, and it sent shivers up my spine.  I practiced my 45 minute presentation for almost a week, and guess what? I still went off script!

Here is something else that I was thinking about before my presentation as I was watching the two speakers on stage after me using their hands to describe their presentation: Many of us talk with our hands, right?

Some people have the tendency to be really dramatic and use their hands to describe in detail what they are saying, and some people don’t use their hands at all. Which camp are you in?

When presenting, I often ask myself “What should I do with my hands?” I have been cautioned against choreography; I’ve seen some presenters attempt to illustrate their talk with specific gestures and wind up tying themselves into knots, or worse, looking weird and fake. I have found that I use my hands and arms how I would naturally, to illustrate what I am saying, it feels natural to me and takes the extra pressure off of me while I am up on stage. I do try to extend my hands and arms periodically, trying to bridge the gap between the audience and me, as AT&T used to say “Reach Out” with your hand in handshake position.

As you watch presentations, do you ever notice how a speaker is using their hands, and whether it’s adding to or detracting from their presentation? I would love to know!

Until next week,

Carlos

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