Prepare Your Home for Hurricane Season

Name: Vargas & Vargas Insurance
Address: 1133 Washington St, Dorchester, MA, 02124
Telephone: 617-298-0655

Posted on May 31, 2018May 22, 2018 by cvargas

It’s the beginning of June, and that can only mean one thing: the beginning of Atlantic Hurricane Season! While we don’t tend to get hit as hard as more southern states, Massachusetts still typically gets hit by a few storms every year, so it’s worth making sure that your home and your loved ones are prepared for any storm that may head our way.

2018 Hurricane Season Predictions

As always, this year’s hurricane season will last from June 1 until November 30. In those six months, there are expected to be 12-18 named storms, 6-11 hurricanes, and 2-5 major hurricanes. This would represent an above average year in terms of hurricane activity.

The hurricane names that will be used this year are as follows: Alberto, Beryl, Chris, Debby, Ernesto, Florence, Gordon, Helene, Isaac, Joyce, Kirk, Leslie, Michael, Nadine, Oscar, Patty, Rafael, Sara, Tony, Valerie, William.

These are the same names that were used in the 2012 season (the names cycle every six years) with the exception of Sara, which replaced Sandy (retired in 2012). If any of these storms are significant enough, their names will be retired and replaced in Spring 2019. Otherwise, these same names will be used in 2024.

Hurricane Emergency Kit

You should always have an emergency kit in your home. Occasionally, though, you need to check to make sure that it is still stocked. The start of hurricane season is a great time to do this. Gather your emergency kit, and make sure that it follows the Red Cross’s guidelines, including:

A two-week supply of food and water for every member of your household.
A flashlight and a radio (both with extra batteries).
A first aid kit.
A multi-purpose tool.
Items for sanitation and hygiene.
Copies of personal documents, emergency contact information, and extra cash.
And more…

When you have an emergency kit with these items, you can rest assured that your household will be ready if you need to hunker down for a few days to wait for a hurricane to pass. Remember to avoid going out until local officials say it is safe to do so.

Evacuation Plan

In rare cases, a hurricane will be threatening enough that officials will suggest or order an evacuation. In case of this situation, it is important to make sure that your car has enough gas well before an evacuation is ordered.

Depending on which direction the hurricane is coming from, you may need to have evacuation plans in several different directions. Talk with the other members of your household about potential destinations, including shelters, hotels, and friends and family members that live in another town.

While evacuating, use routed recommended by local authorities. Remember never to drive through flood waters, and keep an eye out for downed power lines, especially as you return home.

When a Storm Threatens

If and when a hurricane watch or warning is issued, there are a few things you can do right away to make sure that your home suffers as little damage as possible. First, secure anything that could act as a projectile in high winds. This could include lawn furniture, outdoor potted plants, bicycles, etc. Also ensure that damaged trees and limbs are removed so that they won’t snap off during a storm. If you can, secure your windows and other vulnerable areas with plywood so that they are less likely to be hurt during the storm.

Ensure that your cell phone has a full battery well before the power might go out and stay in contact with friends and relatives so that someone knows your plans. It may also be nice to check on elderly neighbors to make sure that they are equipped for the storm.

In Case of an Insurance Claim

If a hurricane hits the Boston area, your home may suffer from damage. If this is the case, you will need to call our agency to begin the claim filing process. Phone lines here can get busy after a big storm, but you can rest assured that we will help you with your claim. In the meantime, please do what you can to prevent further damage to your property.

Speak to one of our Massachusetts home insurance experts to find out what you will need to get the claim process started. Depending on the problem, this could include pictures of the damage or a copy of your home inventory if you have one. Also make sure that you have any accessible policy information ready when you speak to an agent – the more information you have available, the easier the claim process will be.

Home insurance and flood insurance are the only true ways to make sure that you are financially prepared for potential hurricane damage. Call Vargas and Vargas Insurance Agency at 617-298-0655 to speak to an insurance agent. They can tell you if you have enough coverage to get you through the coming hurricane season and beyond. Our agency offers free insurance reviews, so it’s worth your time to talk to your insurance agent and to have them assess your coverage.

Recap: Memorial Day Celebrations

Posted on May 29, 2018May 23, 2018 by cvargas

“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.

Fun in the Sun: Health Safety Tips

Posted on May 28, 2018May 25, 2018 by cvargas

At Vargas and Vargas Insurance Agency, we want to make sure that our clients and friends make the most of the city that we live in while also being as safe as possible. After all, our number one goal is to make sure that you are protected, both through insurance and otherwise. Nowadays, many of you will be spending time outdoors with your families and friends, so we have gathered some tips to help you practice sun safety. Fun in the sun is great, but we want to make sure that it doesn’t haunt you later in life.

The Importance of Sunscreen

Sunscreen is one of the best ways you can protect yourself from the sun’s harmful UV rays. Using sunscreen when you’re at the beach or the pool (or any day that you’re going to be spending more than a few minutes outdoors) can help prevent certain types of skin cancer.

When choosing a sunscreen, make sure that you take note of their SPF – Sun Protection Factor. The SPF measures the fraction of UV rays that reach the skin, so in SPF 25 sunblock, 1/25 (4%) of UV rays reach the skin. When wearing sunscreen, it is important to reapply the lotion or spray as directed, typically every two hours.

When You’re in the Sun

In addition to applying sunscreen, there are other things that you should do when spending time outdoors to ensure that you stay healthy and protect your skin:

Sunblock is effective against the sun’s harmful rays but cannot protect your eyes. Wear sunglasses that block UV light whenever you are outside, including in the car.
Your face is hard to fully protect with sunscreen, so consider adding an extra layer of protection with a hat. Make sure to choose something with a brim that blocks the sun from your face.
The best way to protect skin from the sun is to cover it. It may seem illogical in the heat but covering up with a shirt and pants can prevent sunburn.
When you are spending the day outside (whether at the beach, pool, park, or otherwise) take regular breaks in the shade to cool down. Also try to avoid the time of day when the sun is strongest, typically between 10 am and 4 pm.
When you and your family are out playing in the outdoors, make sure that you stay hydrated. It’s easy to forget to drink, but it’s imperative – especially in warmer temperatures.

Follow these tips and you will be much less likely to suffer from a sunburn. Unfortunately burns will still occasionally happen. If they do, continue reading to find out what you can do to treat a sunburn.

Treating Sunburns

If you or a loved one is afflicted with a sunburn, there are a few things that you can do to help. Apply a cool wet compress to the affected area or take a cool bath. Aloe vera gel is helpful and is available in most drugstores. Taking a pain reliever like ibuprofen or acetaminophen can also help.

To relieve itching, use moisturizing cream or hydrocortisone cream. If a sunburn blisters do not scratch or pick at them – it could cause the blister to get infected. For serious burns, or if you suspect infection see a doctor right away.

Early Signs of Skin Cancer

Checking yourself for potential signs of skin cancer only takes a few minutes, and it is very easy. Every month, look at your entire body (you will need a mirror) and notice your moles – you are looking for the “ABCDE”s, as follows:

A – Asymmetry: Moles should be symmetrical. If you were to draw a line down the middle and the sides wouldn’t match, that could be a red flag.
B – Border: “Good” moles usually have smooth and even borders. If you spot a mole with an uneven border, have it checked.
C – Color: Moles with a variety of colors can be a warning sign: healthy moles are often one even color, specifically a shade of tan, brown, or black. Moles that are white, red, or blue should also be checked.
D – Diameter: Nearly everyone has small moles, but larger moles might cause an issue. Moles larger than ¼ inch in diameter (about the size of a standard pencil’s eraser) might be malignant.
E – Evolution: If a mole changes in any way, have it looked at by a doctor. This could be a change in size or color, or a mole that starts to bleed or itch.

Also look for “Ugly Ducklings,” the name given to moles that don’t fit in with their surrounding skin and markings.

Every member of your family should do this. Make sure that you help younger children and teach them about the importance of proper skin care. If you notice any abnormalities, talk to a doctor right away.

For more tips to ensure that your fun time is both enjoyable and safe, stay tuned to the Vargas and Vargas Insurance blog. We love to share useful tips and insurance content that will keep you coming back for more. We also want you to know that our agents are always available to help you with your Massachusetts insurance needs. Just call 617-298-0655 the next time you have a question or need an insurance quote for your home, car, business, and more.

Recap: Better Work Habits

Posted on May 25, 2018May 23, 2018 by cvargas

“If you spend too much time thinking about a thing, you’ll never get it done.”~ Bruce Lee

Many employees feel like they’re just ‘phoning it in’ when they’re working. Want to be more productive at work? Who doesn’t! Here are four things that you can try in order to form better habits in the workplace, from our blog post last week:

Channel a positive attitude as you walk in to the office. You will help improve the culture and improve your mood.
Do your best to avoid doing work just to appear busy. Busy work helps no one, and you should be focusing on more important tasks.
If a project looks intimidating, practice breaking it into several more manageable chunks. Tackle these one at a time and your task won’t seem so impossible.
Take a break during the day to let your brain recharge. Have lunch with coworkers, or just browse the internet and take your mind off work for a few minutes. Then you can go back to work refreshed and lessen the chance of burning out.

If you’re the owner of a Massachusetts small business, call Vargas and Vargas Insurance Agency for a free review of your business insurance policy. We can make sure that your business is covered and that your employees are motivated by great health coverage and workers compensation insurance.

Getting Married? Update Your Insurance Policies!

Posted on May 24, 2018May 18, 2018 by cvargas

Summertime is a very popular time for weddings across the country, but especially here in the Boston area where chilly temperatures affect a good portion of the year. If you’re planning a wedding, or if someone that you know is getting married, remember that after a wedding is the perfect time to review your insurance policies with your Vargas and Vargas Insurance Agency agent!

Home Insurance or Renter’s Insurance

If now is the first time that you and your new spouse are officially living together you will need to update your home or renter’s insurance policy to add the new occupant. This is also a great time to review your home inventory, whether you’re creating something new from scratch, or just adding the details and value of your wedding gifts to your spreadsheet. Remember to keep a copy of your home inventory in a safe place outside of your home, either with a loved one or in a safe deposit box, or even in the cloud so that it is accessible anywhere.

There’s one more thing you should add to your renter’s or home insurance policy after your new relationship milestone – your rings! Depending on the value of your jewelry, it may need a special rider in order to be fully covered. Make sure that this is done early so that the rings are covered on your honeymoon!

Car Insurance

Nowadays, most young people have their own car. If you’re going to be a two-car household, talk to your insurance agent about the best way to combine your auto policies. Insuring two cars on the same policies will almost always save you money on your premiums, and you could save even more if you bundle your auto insurance with your home or renter’s insurance.

Life Insurance

There are several major points in a person’s life where they should consider their life insurance policy and getting married is a major one (along with having children). When you say “I Do” you are vowing to take care of your spouse no matter what – and this should include if you pass away unexpectedly. Life insurance is the perfect way to guarantee that your new wife or husband will have the financial means to take care of your final business.

Life insurance may be more affordable than you realize. Talk to a Boston insurance agent about how much of a premium you can expect for the coverage that they would recommend. And if you already have a life insurance policy, ask about updating the beneficiary to be your spouse.

Umbrella Insurance

Getting married is an exciting time in your life, but having a spouse is also a big responsibility. You want to do everything you can to protect them, and one of the best things that you can do is get an umbrella insurance policy. For pennies on the dollar, an umbrella insurance policy can offer you and your husband or wife protection that goes above and beyond your existing insurance policies. For more information about umbrella insurance and what it can offer you and your new family, check out this Vargas and Vargas blog post.

When Should I Buy Life Insurance

Posted on May 24, 2018May 23, 2018 by agentinsure

Most people don’t purchase life insurance right after they are born because many people believe life insurance is about death, but it’s not. The earlier you decide to purchase life insurance the cheaper it typically is. So, buying it as a newborn should be incredibly inexpensive. The independent agents at Vargas & Vargas Insurance in Dorchester, MA can help you secure a life insurance policy for your loved one no matter the age.

Buying Life Insurance for Children

One good reason to purchase life insurance for your child is that it is very affordable. Another reason is that once the policy has matured, the policy can be cashed in. If you were to purchase a whole life insurance policy and pay the entire amount, the amount could be repaid when the child reaches his or her majority.

The Value of Life Insurance

There are two types of life insurance. The first is called term life insurance. It covers a specific period. Generally, it comes in increments of 5, 10, 15, or 20 years. If you die during the term, your insurance will pay your beneficiaries the entire amount of the insurance. This type is usually less expensive than whole life insurance.

Typically, life insurance policies grow in value over time. For a whole life policy, the rate is fixed for the entire length of the policy. The cash value of the policy will mature after 12 to 15 years, as long as the premiums are paid on time. You can cash it in after it has matured and use it to pay off debts, college tuition, or buy a home.

Life Insurance to Protect

For those adults entering the workforce, getting married, and having children, buying life insurance is an excellent way to help remove some of the burdens of the primary household earner. If the head of your household dies suddenly, there will be unexpected expenses that a life insurance policy could cover. Such costs include items for the funeral, utilities, mortgage, and auto loans. In Dorchester, MA, Vargas & Vargas Insurance can get you started on a life insurance policy today.

Recap: Boat Safety and More

Posted on May 22, 2018May 23, 2018 by cvargas

“Solitude is not the same as loneliness. Solitude is a solitary boat floating in a sea of possible companions.” – Robert Fulghum

The first day of Summer isn’t until June 21, and that means one thing for those of you that own a boat – it’s time to start enjoying the water! The window of time during the year is shorter here in the Northeast, so start checking off your to-do list and invite your friends to spend the day on your watercraft. Here are just a few tips to keep you safe when you take a trip out:

Ensure that your boat is equipped with an emergency kit. It should have first aid supplies, as well as water and nonperishable foods. Check the kit once a year to refill anything that has been used, and to replace anything that has expired.
Before you go out, make sure that you verify that the weather will be good. Temperatures and rain forecasts can change on a dime, so it never hurts to be ready. For sunny days, make sure you pack plenty of water and some sunscreen for you and your passengers.
Never drink and boat. As with piloting a vehicle, boat operators must be under a certain blood alcohol level in order to legally drive.

For more tips, check out our full boat insurance post from last week. And remember, Vargas and Vargas Insurance Agency offers five-star boat insurance in Massachusetts. Call 617-298-0655 to speak to one of our agents about how you can review your current watercraft insurance policy or get a quote on a new policy.

Three Crucial Memorial Day Weekend Safety Tips

Posted on May 21, 2018May 17, 2018 by cvargas

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

What is Memorial Day?

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

Break Out the Grill

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

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

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

Know Your Host Responsibility

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

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

Hit the Road

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

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

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

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

Recap: “Must-Have” Apps

Posted on May 18, 2018May 25, 2018 by cvargas

“Technology and social media have brought power back to the people.” – Mark McKinnon

Nowadays, we carry technology around with us everywhere we go. Are you making the most of your cell phone? It can be a huge boost to your productivity if it is used correctly! In last week’s blog post, we suggested several apps that you can download. Visit that post for examples of these apps (and links to their Apple Store and Google Play pages).

Utility apps will make your phone more than just a tool for calling people. They can show you the weather, and help you take and edit photos on the go.
Keep productive and organized with apps like password managers and notes and reminder apps.
There are tons of apps to keep you entertained while you’re out, whether you just want to pass the time with a game or some music or broaden your mind with an informative podcast.
Stay connected when you’re on the go with apps like an email manager, social media, and instant messengers.

What are your favorite cell phone apps? Are there any that you couldn’t live without? If so, comment on this post and let us know what they are, because here at Vargas and Vargas Insurance we are always looking to leverage technology. To access Vargas and Vargas Insurance while you’re on the go, just use your favorite browser to access our mobile website. You can also always reach out via email or call 617-298-0655.

All about Toastmasters International

Posted on May 17, 2018 by cvargas

The Dorchester Chapter of Toastmasters International meets every Thursday from 12:00 PM to 1:00 PM

At the Blarney Stone Restaurant in Dorchester MA.

Please send any questions you may have to Omar Ortiz .

Build Better Habits at Work

Posted on May 17, 2018May 9, 2018 by cvargas

Everyone occasionally feels like they’re ‘stuck in a rut’ at work. It’s up to you, however, if you let that feeling stick around, or whether you kick it to the curb and take your productivity to the next level! If you’re looking to improve your performance in the workplace (and, let’s face it, who isn’t?) we have some tips that could help you form better workplace habits and boost your efficiency while at the office!

Tips for Employees:

Have you ever noticed yourself dragging as you walk in the office door? The attitude with which you start the day will influence not only yourself, but your coworkers also. Start your work day off the right way by coming in with a more chipper attitude – you may start a trend in your workplace! There are several methods that you can use to put a smile on your face. Try getting a little more sleep, making sure that you are properly hydrated in the morning, or getting your endorphins going with a little exercise.

Once you’ve arrived and settled in to your work routine, you may find yourself doing certain things just to appear busy. This is a bad habit to be in – your goal at work should always be to complete useful tasks. In today’s work environment, this can be a little difficult to get used to, since many employers value those that appear busy. Just remember that at the end of the day, you will have more to show if you complete your more important tasks in a way that is both timely and high quality.

One great way to improve your work is to break your tasks into smaller chunks. A big project may seem impossible when you look at the entire thing. Next time you’re feeling overwhelmed, try this: break the looming assignment into as many small chunks as you can – the smaller the better. Then, not only will each piece of the puzzle feel more manageable, but you will also get a sense of accomplishment when you make progress!

Again, workplaces nowadays can fall into the trap of wanting workers to look busy, rather than valuing finished products. The problem is that, to get ahead, workers will prioritize working over their mental state. It turns out that workers who are constantly “full steam ahead” aren’t as productive as those who take a few small breaks through the day. So next time you are tempted to work through lunch, make yourself sit in the break room and socialize (or just surf the web at your desk) so that you can refresh your mind and get back to work with increased productivity.

Prioritize your tasks and complete the ones that will create the most value for you and your organization. If you can, hand off the things that don’t matter as much (or that you don’t do well) to others that can help you. Asking for help shouldn’t be viewed as a sign of weakness! Instead, ask for help to encourage collaboration in the workplace, as well as to improve relationships with your coworkers.

It’s also worth noting that many of these tips can be used to be more productive outside of the workplace also. Practice having a good attitude, focusing on completing small tasks, and asking for help anytime you need a boost.

Tips for Business Owners:

The tips above will work for just about any Massachusetts employee. But what about for those of you that own a Boston small business? Because business owners have more control over what happens in their workplace, it’s up to you to create an atmosphere where employees want to succeed. Here are just a few examples of things that you can do to improve your workplace.

First, make sure that you are promoting a workplace that values employee’s quality of work – not just the quantity of work that they do. It also helps to encourage employees to participate in and foster a collaborative atmosphere, where asking for and giving help is encouraged.

As an employer, one of the most critical parts of your job is motivating and appreciating your employees. For some great ideas on employee appreciation, check out our Employee Appreciation Day blog post. You’ve got a lot on your plate as a business owner but taking a few minutes out of your day to recognize good work or notice an employee building better working habits can make a huge improvement in your business’s culture.

If you are a Massachusetts small business owner, you can also motivate your employees through your insurance policy offerings! Many studies say that employees who are offered top of the line health insurance and worker’s compensation policies are more motivated, so call Vargas and Vargas Insurance Agency at 617-298-0655 to talk about your business insurance policies – we can help you update your insurance to motivate your employees and therefore improve your business!

Recap: Insuring Teen Drivers

Posted on May 15, 2018May 25, 2018 by cvargas

“Telling a teenager the facts of life is like giving a fish a bath.” – Arnold H. Glasow

Do you have a teenager in your household? At Vargas and Vargas Insurance Agency, we want to help! Unfortunately, we can’t do much to aid your child with their homework, but we can help make sure that they are protected while they’re on the road. As your child gets their first Massachusetts Driver’s License, make sure to call our agency to see if you qualify for auto insurance discounts like the following.

A good student discount is often available for high school and college students with a certain GPA. To verify your student’s GPA, you may be asked to submit a copy of their most recent report card.

Discounts are sometimes offered to teenagers who have invested in their vehicular education. If your child has taken a Driver’s Ed class (either through their school or another source) let your insurance agent know.

Raising a teenager isn’t easy but saving money on your auto insurance policy is simple when you’re a Vargas and Vargas Insurance client! Don’t wait for your teen to clean their room (it may never happen) – instead, pick up the phone and dial 617-298-0655 to talk to your Massachusetts insurance agent about the most painless way to add your new driver to your auto insurance policy.

Boating Tips for Your Summer on the Water

Posted on May 14, 2018May 11, 2018 by cvargas

There’s a buzz in the Vargas and Vargas Insurance Agency office at this time every year. As the temperatures rise here in the greater Boston area, our employees get excited about participating in their favorite outdoor summer activities. Some like to hit the pool, others break out their grill, and many look forward to spending time out on the water.

If you have a boat that you’re preparing to enjoy this summer, here are a few tips that you can use to maintain your watercraft, and to keep your passengers safe so that they can enjoy the waves.

Take Care of Your Watercraft

Here on the Vargas and Vargas Insurance blog, we have a few posts detailing the best ways to keep your car running smoothly. In honor of this post all about boating, we would like to share some similar tips about how to keep your watercraft in tip-top shape:

Wash the boat. This tip may seem overly simple, but it is a key to proper boat maintenance. Especially if you take your boat out into salt water, you need to rinse it thoroughly after every trip out. Otherwise, salt or other compounds may harm your boat’s finish.
Change your boat’s oil. Just like cars, boats need regular oil changes. Make sure to follow your manufacturer’s instructions when it comes to how often to change your oil, and always use a marine grade oil.
Before taking your boat out for the first time each year, you may wish to have it inspected by a licensed professional. Make sure that they check the fuel and electric systems, fluid levels, the hull and propellers, belts, cables, hoses, and more. Once this is done you should feel confident about taking your boat out for a spin.

If you do your best to keep your boat maintained, you should have no problem taking her out on the water this summer.

Tips for Days on the Water

Before you take your boat out for a day of fun in the sun, make sure that everyone that will be on the boat knows and agrees to follow your rules. Here are a few suggestions for rules that you and your passengers should follow.

Know the basic navigational rules. There are lots of rules to follow when you’re driving a car – lanes to follow, and guidelines for who has the right of way. In a boat, these types of things can be a little more complicated on the water, so be sure that you know how to navigate a boat before you cast off.
Check the weather. Here in New England, summertime weather can change without warning. Get in the habit of checking the forecast immediately before you cast off to make sure that you won’t get caught in a storm.
Have an emergency kit. You should already have an emergency kit in your home and in your vehicle. Also add one to your boat so that you are prepared for ‘rough seas’ – both literal and figurative.
Wear a life jacket. Think of life jackets on a boat like a seat belt in a car. You wouldn’t drive or ride in a vehicle without wearing a seatbelt, so make sure that you have a floatation device on when you’re on a boat.
Don’t drink and boat. Make sure that no one that operates the boat has consumed alcohol. You always assign a Designated Driver when hitting the town so that you can drive home safety, and you should do the same for days on the water. Remember, just like driving under the influence, boating under the influence is illegal in the state of Massachusetts.

It is also important to make sure that you have the proper paperwork before you set sail. Persons age 12-17 must complete a basic boating course prior to operating a motorboat or personal watercraft. If you are planning on using your boat to go fishing, check out the Massachusetts fishing license requirements here.

Once everyone agrees to follow these simple rules, you will be able to have a fun and safe day out on your boat.

Massachusetts Boat Insurance Can Help

Similar in many ways to an auto insurance policy, a boat insurance policy can help keep you and your loved ones protected against potential calamities. With the right watercraft insurance, you can rest assured that you will be financially guarded if something happens to you or your boat.

Make sure that you do your due diligence and check many boat insurance providers before choosing a policy. But remember – you don’t have to do all the legwork yourself! One quick call to Vargas and Vargas Insurance Agency at 617-298-0655 will put you in touch with a Massachusetts independent insurance agent who will search several providers and help you choose the watercraft insurance policy with the right coverage based on your needs.

Recap: Gifts for Grads

Posted on May 11, 2018April 27, 2018 by cvargas

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

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

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

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

“Must-Have” Apps for Your Phone

Posted on May 10, 2018May 4, 2018 by cvargas

Remember the days when a cell phone only made calls? Those days are long gone! Now, cell phones are good for so much more. They are tools that we can use to improve our lives, but first we must be able to leverage the possibilities of the tiny computer that we carry with us everywhere we go.

Are you making the most of your cell phone? Check out our app suggestions, and maybe download a couple that you’re interested in trying. We will provide the links to each app for Android and iPhone, so you just have to click and install.

Utilities

Weather: You don’t even have to look outside to know what the day’s weather is going to be with apps like Accuweather (Android/iPhone) and DarkSky (Android/iPhone). Know whether you need an umbrella or a jacket before you leave the house, and without turning on the news and waiting for the ‘every ten minutes’ weather broadcasts of yesteryear.

Photos: It seems like all phones nowadays come with at least one camera. Do you use your phone to take photos? It’s a great way to make memories! What many people don’t know is that there are many alternatives to the default camera app that comes pre-installed on your phone. For more features, try VSCO Cam (Android/iPhone).

Productivity and Organization

Notes and Reminders: Imagine this – you’re out running errands and remember something that you need to do when you get home. What do you do? Thankfully, you can use your phone to organize a to-do list so that you don’t forget the important tasks. Try Todoist (Android/iPhone) or Remember the Milk (Android/iPhone) and see what works for you.

Password Manager: It’s nearly impossible in today’s world to manage the accounts you have across a variety of platforms, especially if you’re trying to follow the recommended password practices of having a unique code for each of your accounts. Instead of fumbling with an infinite amount of papers to keep yourself organized, try a password manager. With Lastpass premium (Android/iPhone), you can even have your account information available on your cell phone. This service also makes it easy to create secure passwords and to share your passwords with others securely.

Entertainment

Music: Not only have cell phones replaced cameras, they have also replaced Walkman’s and iPods. Now, it is easy to play music from your phone with apps like Spotify (Android/iPhone).

Games: If you have a few minutes and need to blow off some steam, a quick mobile game could be the answer. There are new games coming out every day, and there is something for everyone at every skill level. Need a place to start? Check out CNET’s Best Mobile Games of 2018 list.

Podcasts: If you’re looking for mobile entertainment that’s a bit more productive, you need to check out the wide world of Podcasts. These are bite-size episodes that you can download and listen to anywhere, and they are available for people with any interest. Pocket Casts (Android/iPhone) is a favorite player of choice here at the Vargas and Vargas Insurance office. You can find Podcasts about improving yourself both personally and professionally, as well as tons of news aggregates, and casts about any hobby you can think of. There is definitely something available for everyone.

Connectivity

Email: What would you do without access to your email while you’re away from your desk? If you’re an email-aholic (like most of us) then make sure that you’re not missing out on features. There are plenty of upgrades available, depending on your email provider and phone. The possibilities include Airmail, Inbox, Mailbird, and more.

Social Media: Stay connected no matter where you are with social media apps. Everyone knows about apps for Facebook and Twitter, etc. But have you heard of apps like Hootsuite? They allow you to manage all of your Social Media accounts in one place. And let’s face it – the less fragmentation, the better. They even allow you to schedule posts for your social media profiles!

Chat: Text messaging used to be the best way to communicate with others on your phone if you weren’t able to call. Now, some people barely use texts anymore in favor of other chat platforms like Slack (Android/iPhone) or Google Hangouts (Android/iPhone). One of the best parts of having these apps is that they also have computer integration, so you can carry on a seamless conversation whether you’re at home, at work, or on the go.

If you’re looking for insurance information while you’re on the go, you can always visit the Vargas and Vargas Insurance website on your mobile browser. There you will find plenty or resources to answer any questions you may have. And if you have a more specific need and want to talk to a top-notch Massachusetts insurance agent, reach out via email or call 617-298-0655.

Recap: Choosing a Real Estate Agent

Posted on May 8, 2018May 25, 2018 by cvargas

“I still think buying a home is the best investment any individual can make.” – John Paulson

Looking to sell your Massachusetts home? There are lots of great real estate agents here in the Boston area that can help you through the process. If you’re trying to find the right Realtor for the job, look for these qualifications when interviewing potential candidates:

Full time agent – Make sure that your agent is committed to the local real estate market, and sees their job selling your house as more than just a ‘side gig.’
Expert on homes – Some Realtors focus their time on signing as many clients as they can, where they should be focused on helping you do everything you can to get top dollar for your home.
Proactive communication – There isn’t much more frustrating in the home selling process than feeling like you’re constantly in the dark about what’s going on with your home. Find an agent that will communicate early and often about the home selling process.

And remember, if you’re moving within Massachusetts, talk to Vargas and Vargas Insurance Agency about how to insure your new home. As always, we will make sure to get you a home insurance policy that protects you and your loved ones without causing undue stress on your wallet. Our award-winning insurance agency is only a phone call away – just dial 617-298-0655 to speak to an agent!

The Complete Guide to Insuring a Teenage Driver

Posted on May 7, 2018May 1, 2018 by cvargas

It’s understandable that you’re feeling a little nervous about your teenager starting to drive. Operating a vehicle is a huge responsibility, and the only way for your teen to learn how to be a good driver is to practice. Thankfully, Vargas and Vargas Insurance Agency is here to help you and your teen through this process – at least when it comes to your insurance policy.

When you add your teenager to your Massachusetts auto insurance policy, you will notice your premium rise. This is because younger drivers are less experienced when on the road, meaning that they are at a higher risk for being involved in an accident. Thankfully, there are a few ways that you can offset this cost with discounts.

Each insurance provider is different, so talk to your Boston insurance agent about whether or not you qualify for these types of savings on your car insurance policy:

Good Student Discount

Is your teenager a good student? If so, you could save a significant amount on their car insurance policy. Many auto insurance providers offer a discount to teenagers that can prove academic success. How this is done is based on the insurer, but often involves a certain GPA, a highly ranking standardized test score, or inclusion on the honor roll or Dean’s List. These good student discounts are available to both high school and college students and may extend past a student’s teenage years. Ask your insurance agent to find out more about the requirements.

Drivers Education

Teenagers are expensive to insure. One of the biggest reasons for this is their increased risk. Because teenagers are still learning to drive, they have not yet mastered the rules of the road and are therefore more prone to being involved in accidents.

However, insurance providers know that teenagers with formal driving education are less of a risk on the road. That’s why many offer a rate reduction to those teens that pass Driver’s Education, whether it’s as a school class or offered elsewhere through a driving school. As you probably know, this is a requirement for receiving a Driver’s License in Massachusetts, so remember to tell your insurance agent once this is complete to see if it will result in a discount on your auto policy.

Vehicle Safety Features

If you are going to get your teenager their own car, you have a tradeoff to consider. Older cars are generally worth less, and therefore cost less to insure. On the other hand, you want to make sure that the car your teen drives has plenty of safety features in case of an accident. Some of these safety features can also earn you a discount on your car insurance. If you’re in the market for a new car, ask your agent about which features mean the most to insurance providers, and make sure to include them in your vehicle. Most often, this includes extra airbags to protect you in case of an accident, as well as anti-lock brakes and anti-theft devices.

Safety features are important but be careful of how many bells and whistles you allow your new driver to use. Distracted driving is an increasing problem as our cars get smarter, and teenagers can be especially susceptible to taking their eyes off the road and getting into an accident. For more information about the dangers of distracted driving, as well as the increase of dangerous ‘infotainment’ systems, read our blog post from December entitled “New Cars Causing an Increase in Distracted Driving.”

Harness Technology

There is a recent emergence in automobile technology that can help save you money as the parent of a teenage driver. With many insurance providers, you can choose to install a small device under the dash of your car that will monitor the way that your vehicle is driven, including the distance covered, times driven, speed, and hard braking.

It’s important to know, though, that this technology has its limits. You are able to view driving stats from your home computer (some of these services also have apps) but you can’t differentiate between drivers. Also, this technology can help safe drivers save money, but it probably won’t do you much good if the insurance provider’s algorithm doesn’t judge you as a good driver.

Other Money Saving Tips

It’s important to remember that you don’t need a teenager to save money on your auto insurance policy. At Vargas and Vargas Insurance Agency, we use many methods to help our clients save on their auto insurance, including adjusting premiums and coverage, and much more!

So, let us ask you this: Are you receiving all the auto insurance discounts that you can for your teenage driver? If you’re not sure, just call Vargas and Vargas Insurance Agency at 617-298-0655. We can review your current auto insurance policy and see if there are any additional discounts for which you qualify.

Recap: Backyard Improvements

Posted on May 4, 2018May 25, 2018 by cvargas

“I feel a responsibility to my backyard. I want it to be taken care of and protected.” – Annie Leibovitz

In our blog post from last week, we shared several ways that you can make your backyard summer-ready. Have you started on any of the projects that we suggested? If you need to refresh your memory, here is a quick recap of a few of the backyard improvement suggestions we made:

Make the grill the centerpiece of your backyard.
Prepare your pool for Summer use or think about adding one to your yard.
Turn a corner of your yard into a relaxation place where you can enjoy peace and quiet and a cold drink.
Throwing a cookout? Take inspiration from a cookout and add some fun yard games to entertain your guests.
Build a fire pit to fend off the evening chills of Spring, Summer, and Fall.
A deck or porch is a great way to enjoy the outdoors while minimizing the effect of the elements.

If you make any improvements to your home that change its value or your liability risk, make sure that you speak with your Massachusetts home insurance agent about whether you need a home insurance update. One quick call to Vargas and Vargas Insurance Agency at 617-298-0655 and we will answer all of your insurance questions!

Gift Ideas for Graduates

Posted on May 3, 2018April 27, 2018 by cvargas

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

Children

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

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

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

Teenagers

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

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

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

Young Adults

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

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

Older Adults

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

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

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

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

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

Recap: What to Do After Closing on a Home

Posted on May 1, 2018May 25, 2018 by cvargas

“The American dream is still to own your home.” – Barry Sternlicht

Congratulations! You’ve just closed on a home in the Boston area, and are wondering what to do next. Thankfully, the Boston home insurance experts here at Vargas and Vargas Insurance Agency are here to help you. After closing is complete, your ‘to-do’ list should include the following tasks:

Change the locks around the house – this should be your first priority since you never know how many copies of the old key are floating around with the old owner’s family and friends.
Usually, the seller will clean the home to a reasonable degree before moving out, but this is your chance to do a deep clean without any furniture in the home. You can take on the task of doing it yourself or hire a professional cleaning crew for a one-time job.
Again, since there’s no furniture or boxes in the house yet, now is the perfect time to take on projects like painting or resurfacing floors.

And to make sure that your new home is fully insured, place a call to Vargas and Vargas Insurance Agency at 617-298-0655. We will review your needs and match you with a home insurance policy that fits the needs of you and your family. Our agents are always happy to answer questions and provide free home insurance quotes, so don’t hesitate to call when you’re on the road to homeownership.

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