Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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Is It Time for a Home Insurance Review​?

Spring is a time for new projects. It’s also an excellent time to review your current home insurance policies to make sure they are working for you. If you live in the Dorchester, MA area, Vargas & Vargas Insurance is here to help you every step of the way. 

Home Insurance is Often a Requirement

If you are like many homeowners, you know that you need insurance to protect your home. Almost all financial institutions require that a homeowner have such insurance if they issue a mortgage on your home. However, even if your home is entirely paid off or the financial institution that you deal with does not require you to have insurance on your home, it is still a good idea to do so.

Why is it a Good Idea to Have Home Insurance? 

Your home is probably going to be the largest purchase you ever make in your life. It makes sense that you should protect it to the best of your ability. Having it insured protects your financial situation if something catastrophic should happen. If you are like most people, you don’t have several hundred thousand dollars sitting around that you can tap into should you have to replace your home unexpectedly. That’s what home insurance is for. 

Home Insurance Review

It’s a good idea to undertake a review of your home insurance at least once a year with a representative from Vargas & Vargas Insurance. With a variety of ways to contact us via text, phone call, and email, you can also head to our office at 1133 Washington Street in Dorchester, MA. There, the friendly and knowledgeable staff will carefully go over your current home insurance policy with you to determine if your needs are being met. If they are not, you’ll learn about the many different options that can be added to your policy to offer you the coverage you need.

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Recap: Boston Spring Events

Last week was the official beginning of Spring here in the Northern Hemisphere. As we prepare to feel the higher temperatures (not to mention firing up the grill and preparing to dive in to a swimming pool) we are marking our calendars for some of the great events going on in Boston over the next few months. Are you attending any of these?

  • Easter EggStravaganza! on March 31
  • Taste of Dorchester on April 26
  • Neponset River Cleanup on April 28
  • The Sound of Music from May 1-13
  • Dorchester Day on June 3

These are just a few of the events we covered in our full blog last week. Go to that post for the full details, as well as links to the events.

As the weather improves, we are starting that time of year when we leave our homes more and enjoy all that our wonderful city has to offer. Whether you’re taking a vacation or a day trip, make sure that you brush up on the following safety tips.

When you go out, make sure that someone knows where you are and has a way to contact you. If you’re taking children out with you, make sure they know what to do if they get lost, including how to contact a responsible adult.

So what types of events are you looking forward to attending this Spring? If we missed one, let us know on Facebook. And remember – Vargas and Vargas Insurance is here to help with all of your Massachusetts insurance needs!

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Need a Contractor for Your Home Remodel?

If you need some work done on your Massachusetts home, you will need to hire a reputable contractor to oversee the project. A general contractor is the person who will provide labor, equipment, and materials for your project, and will be responsible for hiring subcontractors for the specialized parts of the job. The general contractor will often be the key piece when a home is being remodeled or gaining an addition.

When you’ve never hired a contractor, though, the thought of choosing the right one can be daunting. The types of projects that require a contractor are often large jobs, and you want to make sure that you have the right person in charge. Here are a few tips that can help to ensure that you find the right contractor for your needs:

  • Communication is Key: You want to be updated on the status of your project often, so make sure that you hire a contractor that will communicate with you. You may wish to schedule a recurring weekly meeting with the foreman so that you can get updates and ask questions to your heart’s content.
  • The Lowest Bid Isn’t Always the Best Bid: When it comes to contractors, be wary of accepting the lowest bid on your project. With such an involved task, it’s important to get it done right the first time. And, after all, the saying “You get what you pay for” exists for a reason – you don’t want to hire a contractor that is going to cut corners.
  • Ask for Credentials: It is essential to make sure that your contractor is licensed, bonded, and insured. A contractor should carry up-to-date personal liability insurance, worker’s comp, and property damage coverage. Also check to see if they are a part of any trade organizations like the AGCMA or ABC. And did you know that you can check a construction supervisor license on Mass.gov? You may also want to ask for a list of the contractor’s previous clients that had similar work done, and make sure that you check other reviews.
  • Get a Written Contract: When you think you’ve found the right contractor, make sure that you go over the proposed contract with a fine-tooth comb. The final document should include detailed time-frames and costs, as well as how payment will be handled. Don’t hesitate to ask for clarifications or changes – after all, it’s your home that’s being worked on, and you should be satisfied with what is done.

Once you’ve chosen a contractor and you’re ready for work to begin, it’s important to consider just a few more tips from your favorite Massachusetts insurance agency:

  • Avoid Potential Loss and Damage: Remove breakables and valuables in any area where workers will be.
  • Make Space: It may be helpful for you to make some room for workers to store their tools on-site. Work may be completed faster and more efficiently if workers are able to be organized.
  • Have Answers: At some point, you will likely need to make choices. This could be picking a paint color or flooring, etc. Make your decision in plenty of time so that you don’t inhibit the productivity of the crew.
  • Keep Detailed Records: It never hurts to be thorough, especially when dealing with such a complicated matter. Have a record of all contracts, correspondence, and payment receipts for the job. This will come in handy if there is ever a discrepancy, and at tax time. Also make sure that you get all the warranties for materials and workmanship on the project.
  • Respect Your Neighbors: Make sure that workers know where your property lines are so that they don’t accidentally park vehicles or store items on your neighbor’s territory. It may also be nice to let neighbors know the timeline of your remodel so that they are prepared for how long the construction will last. A baked good or bottle of wine for putting up with the disturbance is also never a bad idea.
  • Focus on the Finish: Often, large and complicated projects like a home remodel can be stressful. It’s important to remember that all of the stress will be worth it in the end.

As a Boston insurance agency, Vargas and Vargas Insurance works with several contractors in the local area, and we would be happy to give you a referral! Call 617-298-0655 and tell us about the project in question, and we can give you the contact information of a contractor in the area that we think will be a great fit for you. You can also request a referral via our Email an Agent page on the website.

While you speak to a Vargas and Vargas Insurance agent about hiring a contractor, ask about a quick and no-cost review of your home insurance policy. We can ensure that your coverage is ready for the remodel or addition that you are planning, and make sure that you are protected against any liability risks presented by workers on your property.

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Happy Spring! Do You Keep Waiting For Flowers To Bloom?

I hope that you are as excited as I am about today, today is the first day of Spring!

With all of this winters storms, this day is so much more special.

I know that it is just a date on the calendar, but it gives us reason to hope that the weather will be changing really soon.

I like to start my week with some words of wisdom,

“You’re frustrated because you keep waiting for the blooming of flowers of which you have yet to sow the seeds.” -Steve Maraboli

Do you have a stack of “stuff” that you intend to let go or get to, but never do?
 
I swear that my wife Kathy is the master of getting things done. She hates to see “stuff” stacked up anywhere. It’s a mindset. I have said before, she is super organized, she has a plan and is amazingly detailed on what she wants and does not want. It’s an addiction for her. Our son Matthew is just like Kathy, Jonathan and I are the exact opposites.
 
Stop Letting Things Pile Up
I have a silent little secret. It’s books, specifically the buying of books. I have decided that I am not going to buy any more books until I read (or given away) the ones that I have piled up. I’ve purchased many books thinking that they would be great reads, or that I would get some great ideas from them, but some have not even been looked at.
 
I have started taking notes on all the ideas that I think are useful and want to incorporate into my business and personal life from the books that I am reading. I am using Evernote to keep track of these ideas.  I will work on implementing these new ideas as hard as I work to read the book.
 
I want you to do the same. I bet you’re subscribed to too many newsletters. Unsubscribe from the ones that are not serving you. And I mean MY Monday Morning Message and our connection, too. If you do not find my writing interesting, or useful, click Unsubscribe at the bottom of the email, or unfollow me on Linkedin. It won’t hurt my feelings at all.
 
You see, I am a believer in the philosophy of “out of everyone you meet, 25% will automatically take a liking to you, 25% will automatically hate you and the other 50% is undecided.” I write these messages for the 25% that like me and the 50% that are still undecided.
 
Stop Adding “Stuff” to Your Life
Are you one of those people who has a plan, not really following it, and so you start looking for a new plan? You may be thinking that you’re not the problem in this equation. You are. And I am too, sometimes.
 
Work on ONE plan. Give it all your effort. Execute that plan. THEN, if it’s not working you can abandon it and try another. You are better off having learned from this failure rather than never having tried it.
 
But neither you nor I have permission to think, “Hmm, I’m not actually doing this anyway, so I’ll go find something else to not do.” Give it your 100% or abandon it completely: half-hearted efforts are a total waste of your time. You won’t be helped by doing this… that’s last year’s mentality.
 
One at a Time
Setting habits is like farming – you need to plant the right seed, tend to it, water it, and with the right amount of sun, air, and fertilizer, you will soon be harvesting the benefits of your hard work. You can’t just throw your seeds into the fertile soil of your business and expect them all to sprout. They’ll choke each other out, be encroached on by weeds or be eaten by the birds (your competitors). It’s a waste of time, effort, and treasure!
 
Plant one seed variety at a time. Nurture it. See the results. And then grow.
 
Spring is here
Start cleaning now. Clean out the sources of information you’re no longer using. Clean out the abundance of half-started plans in your world. And work on what resonates with the one goal you need to work on FIRST.
 
It’s time to shut off the spigot of knowledge and ideas and drink what we have poured. Get into a more measured approach. Choose a path and let that guide you forward.
 
If you need some help elevating your business to the next level, I may be able to help. I have worked with some amazing people who needed help, and I have room to coach a couple of local business people. Just reply to this message and we can set up a time to meet so I can learn about you and your business and see if we are a good fit!
 
Have a great week!

Carlos

PS If you or a client, coworker, family member or a friend who would benefit from our high level of attention to service and competitive rates we provided, I would sincerely appreciate your recommendations.Please text our agency at 617-409-0329 or Click here

PPS What I learned today, “What was Leonardo Da Vinci’s real name” Click here to read more.

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Recap: Update Your Insurance After These Life Events

There are many family, friends, and loved ones that you would call after a major life event. Have you ever considered adding your insurance agent to that list? It may seem silly at first, but it turns out that you should talk to your insurance agent about many types of life events, including:

  • Buying a Home or Renting an Apartment
  • Getting Married or Divorced
  • Having Your Home Renovated
  • Acquiring New Valuables like Furniture, Antiques, and Electronics
  • Having or Adopting a Child
  • Letting Your Child Get Their Driver’s License
  • Achieving Retirement

Wondering why some of these may require a chat with your favorite independent insurance agent? It turns out that these events may cause a change in your insurance needs. Check out our full blog post from last week to see why you may need to update your home, auto, and life insurance policies!

If any of these have happened to you recently (or even if it has just been a while since you last called) talk to your insurance agent today! One quick call to 617-298-0655 can update all of your policies in order to make sure that you are fully covered by your insurance policies.

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Spring Has Sprung! Boston Events Calendar

It may not feel like it based on the weather we’ve been having recently, but tomorrow, March 20, is the first official day of Spring. That means the cold weather will soon be a thing of the past (the employees here at the Vargas and Vargas Insurance offices are thrilled about that, to be sure) and you can look forward to taking place in many springtime activities here in the Greater Boston Area.

Take the time to add a few events and holidays to your calendar now! Here are just a few of the ones happening around town. Click on the name of the event for more helpful information.

  • NCAA March Madness East Regional Games – TD Garden – March 23 and 25
    Love College Basketball? Don’t miss the opportunity to see your favorite teams play right here in Boston! The East region this year includes teams like (1) Villanova, (2) Purdue, (3) Texas Tech, and (4) Wichita State.
  • 8th Annual Easter EggStravaganza! – Riverside Press Park, Cambridge – March 31, 10 am
    In addition to an Easter Egg Hunt, activities include face painting, raffles, carnival games, and more! This event is sure to be fun for all ages.
  • Trailblazers: Women Who Challenged the Status Quo – Forest Hills Cemetery, Jamaica Plain – April 8, 2 pm
    Join local history enthusiasts to learn about the trailblazing women of the area. Guest lecturer is author and historian Dee Morris.
  • Taste of Dorchester – 25 Local Restaurants, Dorchester – April 26, 6 pm
    It’s the Taste of Dorchester 10th anniversary, and we’re in for a treat! Sponsored in part by Vargas and Vargas Insurance, this event will highlight dozens of our favorite local restaurants.
  • Neponset River Cleanup – Quincy, Milton & Dorchester – April 28, 9 am
    Keep our community beautiful with the Neponset River Watershed Association and the Department of Conservation and Recreation. There are many locations that need volunteers, so register today!
  • The Sound of Music – Wang Theater, Boston – May 1-13
    A classic musical that is suitable for all ages. Follow the von Trapp family as they thrill Boston audiences in the first two weeks of May.
  • Dorchester Day – Dorchester – June 3, 12 pm
    It’s almost here! Dorchester Day is celebrated on the first Sunday in June each year, and wouldn’t be complete without lots of festivities, including the famous Parade!
  • Take a Tour of the City – Several Locations – Offered Daily
    Often, it’s the residents of a city that have seen the fewest tourist attractions and hotspots. We live in a city with lots of history and culture, so be a tourist for a day! Explore on your own or book a guided tour. There are many tours available depending on your interests, including historical walking tours, movie tours, and even chocolate tours! If you’re a history buff, don’t miss the Freedom Trail – it’s a favorite among the Vargas Insurance staff.

So, which of these festivities will you and your family be taking part in? Wherever you go, keep an eye out for members of the Vargas and Vargas staff. We’re always out and about, and we would love to say hello!

Remember to be safe when you go out, even if it’s just for an afternoon. Make sure that someone knows where you are going, and has a way to contact you. You should make sure to have a fully charged cell phone, and a back-up ride home (even if it’s a ride from Lyft or Uber). If you plan to drink, make sure that you do so responsibly, and that you have a designated driver.

If you’re taking children out for a day trip, there are several safety tips you should know, including:

  • Make sure that your child knows their Name, Address, and an adult’s Phone Number. It is also important to make sure that they know who to share this information with (security guards, police officers, teachers, etc).
  • Children should know how important it is to stay within eyesight when out and about. They should never walk off on their own.
  • If a child does get lost, they should find an appropriate person nearby to help. They should never leave the area or the building.
  • Before eating anything, your child should get your permission. As soon as they are old enough, teach them not to accept food from strangers. Food is an especially significant problem for children with severe allergies, so it’s better to be safe than sorry.

Our friendly and knowledgeable insurance agents are also available to help with all of your insurance needs this Spring. If you need to clean up your insurance portfolio, make a call to Vargas and Vargas Insurance Agency at 617-298-0655. We are happy to help you check this ‘to-do’ off your list, and maybe even save you some money on your insurance policies in the process! Also stay tuned to our insurance blog this Spring for more helpful tips about insurance, safety tips, and much more.

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Recap: Daylight Saving Time

Daylight Saving Time started on Sunday, Match 11. Did you turn back your clocks? Here at Vargas and Vargas Insurance Agency, we have been enjoying the start of Summer Time, and look forward to having daylight further into the evening (and the temperature rise that will accompany it).

Did you take our suggestion to perform any home maintenance tasks while you were updating your clocks? If you need a quick reminder, here are some of the bi-annual tasks that we suggested:

  • Change the batteries in your smoke alarms and carbon monoxide detectors.
  • Test your home’s security system.
  • Clean carpets and rugs, shower curtains, and your pantry and fridge.
  • Flip the mattresses in your home.
  • Restock your home’s emergency kit according to the recommendations on Ready.gov.

And make sure that you check out the original Daylight Saving Time blog post for additional history and fun facts about DST that you can share with your family and friends.

We would love to heat about which of these chores you got checked off your list! And remember, Vargas and Vargas Insurance agents are always available to help with all of your insurance needs, whether it’s Standard Time or Saving Time – just call our office at 617-298-0655 to speak with a Massachusetts insurance expert.

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Recap: Bicycle Safety

Did you see our post from last week about how bicycles are an increasingly popular form of transportation here in Massachusetts? As Spring arrives and you brush the snow off of your bike, make sure to consider these tips from your favorite local insurance agency:

  • Ensure that you are visible when you ride, especially at night.
  • Be aware of your surroundings, don’t wear headphones while cycling.
  • Know the rules of the road before you take your bike out for a spin.
  • Secure your bike when you’re not riding it – always have it locked in a garage or with a U-lock.
  • Avoid being targeted by thieves; vary the location where you lock up your bike.
  • List your bike and its accessories on your home inventory for insurance purposes.
  • Sign up for the National Bike Registry.

Not sure if biking is right for you? Boston has a bike rental program called Hubway where you can rent a bike for a day or get an annual pass for unlimited rentals.

If you have any questions or concerns about insuring your bicycle or its accessories, just talk to a Massachusetts insurance expert at Vargas and Vargas Insurance Agency. We are available from Monday-Friday 8:30am – 5:30pm by phone at 617-298-0655 or come visit us in person at our office in Dorchester or Stoughton.

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Consider a Strategic Business Alliance to Expand Client Base

 

A business alliance with a company that provides products or services that complement those of your company may help you grow your business.

One reason to consider a business alliance is that it does not have to be a legal partnership requiring contracts and lawyers. You may team up in an informal arrangement with another business, to share customer contacts and marketing strategies. This type of group effort may save both businesses money.

When pooling your resources with that of another company, this may enable both of you to diversify your product and service offerings. This may have the potential of expanding your clientele considerably. You may pool your resources with advertising, internet marketing, participating in local festivals or trade shows, and effectively cut back on expenses.

Before you make a decision on a business alliance, you should do some research on how much business you potential business partner does, what kind of market presence they have. After all, you do not want to partner up with a business that is only waiting for you to send them business and not be reciprocating.

Should you not want to have such a structured framework for your business alliance, you may consider an arrangement in which your company and another company simply refer each other to customers for certain kinds of jobs. Any business expansion may bring with it a need for additional Massachusetts business insurance coverage. You may want to contact your agent to determine any extra policies you may need.*

If you have decided to start such an alliance, it’s important to move slowly and see if in fact you and your partner are really compatible in the “real world”. And many such alliances may make both partners look better.

When you experience business growth, you may want to consider reviewing your Massachusetts business insurance policies in case you need additional financial protection.

Should you have additional questions or wish to learn more about setting up an alliance, please call me at 617-298-0655 ext 101 or leave a message below.

Carlos

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Life Events That Require an Insurance Update

In the words of Ferris Bueller, “Life moves pretty fast. If you don’t stop and look around once in a while, you could miss it.”

These words are so true – it seems sometimes that life flies by. It’s easy to make changes in your life and forget to tell someone: your insurance agent. When the ‘big stuff’ happens, you will probably be excited to tell friends and family, but putting in a call to your favorite Boston insurance agency should also be on your list, since many of life’s changes will affect your need for insurance coverage.

Each of the following events represents a change in your insurance needs. If you experience any of these, call your Vargas and Vargas Insurance agent to update your insurance policies so that you remain fully covered.

Buying a Home or Renting an Apartment: For every change in your housing situation, there should be an equal change in your insurance policies. Every home or apartment is different – that’s why it is so important to have a customized insurance policy for your dwelling. Your insurance agent will be able to explain the difference between replacement cost and actual cash value for your policy. And remember, we can also offer you rental property insurance if you purchase a second home and rent it out.

Getting Married or Divorced: Getting married calls for many insurance changes. You may get a discount on your auto insurance for having a two-car family, and it’s also important to reconsider your life insurance needs. Your renters or home insurance may need to be updated to account for new joint possessions (not to mention the new rings and wedding gifts!)

Likewise, divorce requires insurance policies to be updated if your car and home situation changes. You may also want to reduce life insurance coverage or change your beneficiary.

Having Your Home Renovated: Here at Vargas and Vargas Insurance, we want to make sure that our clients are never under-insured. That’s why it is so important to update your home insurance policy after you renovate. Whether you add or just update a room, your home insurance policy needs to be updated in order to reflect the new value of your house in case of a loss. We should also know about any improvements made outside your home, including the addition of a shed, gazebo, swimming pool, etc.

Acquiring New Valuables: You don’t have to call your insurance agent every time you purchase a knick-knack for your home, but every once in a while, you will purchase (or receive) a valuable item that might need a floater or endorsement for full coverage. These items are typically jewelry, collectibles, furniture, antiques, and electronics. Every policy will define ‘valuable’ differently, thankfully your agent is just a phone call away and can tell you whether your home insurance will cover the item as-is, or if an addendum is necessary.

Having a Child: Whether it’s a birth or an adoption, having a new baby in the family requires updates to your policies. Typically, having a baby will necessitate an increase in your life insurance coverage. Also, don’t forget to update your home insurance policy to include all of your baby’s furniture, toys, and clothing – as a new parent, these small items will add up fast!

Letting Your Child Get Their Driver’s License: Whenever a new driver starts to use the family vehicles, your auto insurance policy will need to be updated. You may fear making the call because insuring a teenager is notoriously expensive, but you can rest assured knowing that your Vargas and Vargas Insurance agent will ensure that you get all possible discounts on your auto insurance.

Achieving Retirement: When you are lucky enough to reach retirement, you will have a lot to cover with your Massachusetts insurance agent. Not only are you likely to qualify for senior discounts on your policies, you will need to update the average mileage use on your car, which will likely decrease significantly when you no longer commute during the week. You may also want to speak with your insurance agent about whether or not you should keep your life insurance. While it is often considered a replacement for lost wages, it can be a handy thing to have even after you’ve got no paycheck to replace.

Do you know anyone who has experienced any of these events recently? Forward them the link to this post and tell them how Vargas and Vargas Insurance can help them with their insurance needs and will get them the best price on a new or updated insurance policy.

If it’s been a while since you spoke to your insurance agent, just call us at 617-298-0655. A Vargas and Vargas Insurance representative will be happy to walk you through your current insurance portfolio in order to ensure that your coverage is at the right level for your needs. We offer free, no-obligation insurance quotes and updates, so there is no reason to delay – call now, and make a point to talk to your Massachusetts insurance agent at least once a year to give your policies a thorough check-up.

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Frustration sometimes leads to freedom

 

Happy Monday.

I like to start my week with some words of wisdom,

“Deciding what not to do is as important deciding what to do.”
Jessica Jackley

Most of us are in business (mortgage, real estate, insurance, or law business, or are an entrepreneur or solopreneur) are in a unique situation where we can create the exact business model that we want, start the business that makes us a great living, and do what we are really good at and what we love doing.

I’d like to share with you a concept that I have been using in my business: the “Triad of Awesomeness.”

This came about as a result of my “Frustration sometimes leads to freedom.” presentation.

I look at everything that I do in my business, and if it does not fall into these 3 categories, I either eliminate it or find someone else to do it. The categories are:

  • Things that I love to do
  • Things that I do well
  • Things that pay well

Where these 3 overlap – that is where you should focus your efforts on what you should do. If there is only one thing that meets these criteria, that’s even better.

If you working on something that you love and pays well, but you are terrible at it, you will never get the best results.

f you are working on something that pays well, and you are good at it, but you hate doing it, you will burn out.

If you find something that you are good at and love doing but it pays terribly, you will go broke.

So how do you do find something that lies in the middle of the Venn Diagram above? You learn to delegate all of the other things. Think about everything that comes your way and how it will affect your Triad of Awesomeness.

When I am talking to real estate agents and loan partners about low hanging fruit, they all agree that they need to be calling their past clients a few times a year, but some are not doing it because they don’t have the time, and they are not willing to delegate the task. So, I often ask  “Do you think that it’s better to ignore your past customers than to have someone else call on your behalf?”

Think about it: if a task does not fall into that red zone in your Triad of Awesomeness, but your business would suffer without doing it, delegate it – preferably to someone that will do it well, like doing it, and get paid well for it.

(I was recently reached by a VA (virtual assistant) in the Philipines that did customer service work for a travel agency in CA, his position was phased out when the company he was working for, was bought out. If you have ever thought about hiring a VA, reply to this message and I can answer any questions you may have and connect you with him.)

Know that you are LOVED!

Have a great week!

Carlos

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Recap: DIY Projects for Busy Homeowners

Last week, we posted an article detailing seven easy do-it-yourself projects that homeowners can tackle in a weekend. And you don’t have to be handy or creative to make an improvement to your home – pick something that you are comfortable doing on your own or enlist the help of a friend or neighbor… just make sure you compensate them with lunch at your favorite local restaurant!

If you’re looking to make an impact on your home without committing to a long-term renovation, you should consider these ideas:

  • Improve your home’s curb appeal with plants and furniture.
  • Plant a garden of fruits, vegetables, or flowers this spring.
  • Update or refresh the lighting fixture in your living or dining room.
  • Install crown molding in high traffic rooms for a classy look.
  • Replace cabinet and drawer hardware in your kitchen or bathrooms.
  • Paint an accent wall to get a huge pop of color without breaking the bank.
  • Get creative and make art for your walls, even let your kids in on the fun.

Let us know which of these tasks is next on your to-do list the next time you call Vargas and Vargas Insurance Agency. And remember, we are always available to help with your Massachusetts home insurance needs. Make sure to stay tuned to our blog for more tips and tricks for homeowners.

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The Complete Daylight Saving Time Checklist

This Sunday, March 11, is the beginning of Daylight Saving Time. This means that before you go to bed on Saturday, you should turn your clocks forward one hour, since the 2am – 3am hour on Sunday will be skipped in order to shift the daylight hours into the evening for the Spring and Summer months. It will stay this way until Sunday November 4, 2018 when the 2am hour will be repeated in order to shift daylight earlier once more.

The History of Daylight Saving Time

Twice a year, we change our clocks – Spring Forward and Fall Back, just like we were taught as young kids. Have you ever wondered why this bizarre ritual exists? It turns out that the practice was officially started in World War I in an effort to conserve fuel for the war effort – first in Germany, then in the rest of Europe. The US adopted the practice in 1918 and abandoned it shortly after. During the Energy Crisis, however, the practice was brought back for good. The Emergency Daylight Saving Time Energy Conservation Act was signed by President Nixon in 1973 in order to make the bi-annual shift permanent.

Internationally, only about 40 percent of the world’s countries observe the time change. There are even some states that don’t change their clocks, including Arizona and Hawaii. Overseas territories like American Samoa, Guam, Puerto Rico, and the US Virgin Islands have also opted out of participating in DST.

Fun Facts about DST

  • In 2007, it was extended. Now summer hours last about a month longer. This is at least in part so that the clocks move back in the fall after Halloween, allowing children to trick-or-treat in more daylight. This was proposed by (who else?) the candy industry.
  • There is also a thought that pushing the end of DST to the first Sunday in November will increase voter turnout in elections, since Election Day will now sometimes be during “Summer Hours,” and people could stop to vote on their way home from work while there is still daylight.
  • Although originally enacted in order to save energy, there have been studies that show that little to no energy is actually saved when the clocks shift to Daylight Saving Time.
  • Pay attention to how you write times when you schedule meetings: during the winter, we are in “Standard Time” and during the summer we switch to “Daylight Time.” This means that here in Massachusetts (and along the east coast) we are switching from EST to EDT.
  • Think about those born at the end of DST: in the Fall, the first of a set of twins or multiples could be born prior to 2am, but since the hour is repeated, those born later could have an earlier time on their birth certificate than their “older” siblings.

Chores for Your DST “To-Do” List

The changing of the clocks forward and back is a perfect reminder to perform other bi-annual household chores. So, think about giving yourself a “Daylight Saving Time” checklist, including the following tasks:

The first thing on the DST checklist is obvious: at Daylight Saving Time, you need to change the clocks! In the Spring, the clocks move forward one hour, and in the Fall, they move back an hour. Your cell phone and other electronics will change automatically, but alarm clocks and the time on appliances will likely need to be changed by hand.

Something else that you need to do twice a year is to test and change the batteries in your smoke alarms. It is critical to the safety of your loved ones that these items work properly, so it is recommended to test the batteries at least twice a year so that you’re warned if there is a fire in the house. Also change the batteries in your carbon monoxide detectors and security system, if needed.

There are several items in your home that deserve a bi-annual cleaning. This will vary according to your personal preferences, but often includes carpets and rugs (including under heavy furniture), windows and window treatments, shower curtains and liners, ceiling fans, and a complete cleaning out of the pantry and fridge. And don’t forget to flip or turn your mattress regularly to improve its longevity and your comfort.

Do you have an emergency kit in your home? You should, after all, you never know when you may end up needing it. Take the opportunity to update and restock your emergency kit when you change your clocks. Your emergency kit should include many items, including at least three gallons of water per person in your home, a three day supply of non-perishable food, medications, important documents (like copies of your insurance policies) and a flashlight with fresh batteries. See the entire list of recommendations at Ready.gov.

Remember that you should also schedule a regular meeting with your local independent insurance agent. Whether you do it as a part of your DST checklist, at the beginning of the year, as a part of your Spring Cleaning, or even on your Birthday, it’s a good way to check in on your insurance policies and to make sure that you and your loved ones have enough coverage.

To schedule a meeting with a Vargas and Vargas Insurance agent, just call 617-298-0655 today. We will be happy to review your Massachusetts home insurance, auto insurance, life insurance, and more! It only takes a few minutes to review your insurance policies, so don’t wait – call today.

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Recap: Employee Appreciation Day

As you may remember from our blog last week, the first Friday in March is Employee Appreciation Day. So, how did your business celebrate? Did you bring in treats, or have lunch catered? More importantly, how are you going to ensure that employee appreciation becomes a regular part of your business, and integrated directly into your company’s culture?

You should show your employees that you care about them and their well-being and help them to realize that they are each important parts of the machine that is your business. Here are just a few ways to do this:

  • Occasionally (or regularly) cater lunch or treats for the office, or have a complimentary snack/drink station in the breakroom.
  • Celebrate the milestones of your employees, including birthdays, work anniversaries, and more.
  • Make “Thank you” something that you say often. Write employees a note of thanks, say “Thank you” when they go above and beyond the call of duty, and thank them in a meeting in front of their peers.

Vargas and Vargas Insurance Agency cares for you, your business, and your business’s employees. Make sure all three of these are protected with the best business insurance from our agency. Call 617-298-0655 for a free business insurance quote, or to have your current insurance policy reviewed by one of our business insurance professionals.

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Storm Damage Tips From Vargas & Vargas Insurance

This weekend’s Nor’easter, which is not a storm named by the National Weather Service, produced widespread damage including downed trees, sump pump failures, and power outages. The Vargas & Vargas Insurance team handled dozens of calls throughout the entire weekend and remains available at this time to assist you.

We understand there is great difficulty locating tree removal services and roofers to patch or tarp roof openings. We also note that finding generators and or sump pumps to remove water from basements is a challenge at this time.

Below are some tips should you have suffered any damage:

Tree damage: If there is tree damage to a building or home the first order of business is to ensure everyone’s physical safety. Once that has been completed, contact a licensed tree removal company. Currently, tree removal companies are focusing on calls involving severe damage. We suggest a number of companies be contacted to secure competitive quotes and, if necessary, to get on waiting lists for assistance.

Sump pump failure: Be extremely mindful of entering a flooded basement as water that has risen to certain levels may have caused an electrical short creating a dangerous situation. Elevating personal belongings and removing the water as soon as possible is important. Pumps and generators are in high demand currently and most local hardware and big box home improvement stores are out of stock. Contacting stores within a reasonable driving distance may be good option.

Roof damage: Much like tree removal services, licensed roofers are in high demand after a storm of this size. While likely well-meaning, this will cause individuals without the necessary level of expertise to offer assistance. As we have suggested in the past, please do not let anyone on your roof that you did not contact directly, and please be sure those that do provide help are appropriately licensed and insured.While these are the most common types of losses after a storm of this nature, we recognize these are not the only issues currently being experienced. Please contact Vargas & Vargas Insurance with any questions or concerns you may have.

To report a loss, you can contact us by telephone (617-298-0655), email(customerservice@vargasinsurance.com)
or text (617-409-0329).

If you suffer an emergency that cannot wait until we are open for business, please contact our after-hours claim telephone number  617-322-5289. 

Also, you may find our blog titled, “Home insurance, should you file a claim”, interesting to read, can read it by clicking here.

Sincerely,Carlos

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A Guide to Bicycle Safety and Insurance

Can you feel Spring in the air? When the weather starts to get warmer, people here in Massachusetts can’t wait to get outside and enjoy the fresh air. One spectacular way to do so (while also getting some exercise) is to use a bicycle.

The Increasing Popularity of Bicycles

With the increase in environmental protection and a focus on being healthier, it’s only natural that we would see another “bike boom” here in the US. In the Spring of 2017, it was estimated that there were nearly 70 million bicyclists in the US.

This trend is also seeing an increase due to the emergence of bike sharing services. In Boston, you can rent a Hubway bike for $8 a day or get an annual pass for only $99! Their app will let you know where there is a hub near you.

Safety Tips for Riding

Even the most experienced riders can use a reminder of how to be safe while on a bicycle. Here are some tips for putting safety first:

  • Ride a bike that fits you. Bikes come in all shapes and sizes, so take the time to find one that fits – this will depend on the measurements of both you and the bicycle.
  • Your bike should be ready before you take it anywhere – even just on a quick spin. Take a look to make sure that all parts of the bike are secure and working well.
  • Ensure that you are visible, especially at night. You may wish to purchase accessories for your bike or clothing that is reflective.
  • You should be able to hear your surroundings when you’re riding, so avoid wearing headphones when you cycle. This will make it easier to stay vigilant while you ride and avoid accidents with pedestrians, vehicles, or other cyclists.
  • Last but certainly not least, you should know the rules of the road. When using streets, bicycles are considered vehicles, so look up the Massachusetts rules of riding before your foot ever hits a pedal.

If you know anyone that rides (whether they are a beginner or an advanced bicyclist), share this post with them. You never know who might learn something new!

When You’re Not Riding

Bicycles and their accessories are expensive, so make sure that you take care of your bike even when you’re not riding it.

  • Always keep your bike secure. If you take your bike out for errands or to your workplace, lock it up. As the saying goes, ‘It’s better to be safe than sorry!’
  • Vary the location where you lock up your bike so that you’re not targeted be thieves.
  • When you lock up your bike, make sure you secure it to a fixed, immobile object. It’s also important that you check to make sure that your bike and lock can’t be lifted up and off of the object.
  • The type of lock that you use for you bike is important – there are many good options on the market, but U-locks are generally regarded as the safest option. Lock your bike up high (too low and it’s easy for a thief to break the lock) and always lock to the frame – never to a wheel.

On the off chance your bike is stolen, make sure that you have a picture of the bicycle to aid in the search when you report it as stolen to the police. It helps if you have your name and contact information etched into an inconspicuous location on the bike for proof of ownership. Also consider adding your bike to the National Bike Registry.

Properly Insure Your Cycle

Ok, we’ll admit it – there is not a product called ‘bicycle insurance’ like there is auto insurance or motorcycle insurance, but a bicycle is still a valuable and potentially dangerous object. There are two things you should make sure to properly insure: yourself, and your bike.

First, make sure that your cycle (and all of its upgrades and accessories) are listed in your home inventory. A home inventory is the only way to guarantee that you have a comprehensive list of your belongings in the event of a total loss, and it can be invaluable if you ever need to file a home insurance claim. Owners of particularly expensive bicycles should consider an endorsement for complete coverage.

Second, you need to make sure that you are covered in case of a bicycle accident. If you get sued because you injure someone in a bicycle accident, there should be liability coverage in your homeowner’s insurance or renter’s insurance that will cover you.

To find out more if your insurance policies are ready for your bicycling journeys, talk to your Massachusetts insurance agent at Vargas and Vargas Insurance – just call 617-298-0655. We can review your home insurance to cover your bike and check your liability protection. Make sure to mention to your agent if you’re going to be riding your bike instead of driving your car when you run errands or to commute to work, because less driving could mean a reduction in your auto insurance premium.

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Recap: How to Avoid Auto Accidents

Driving is a part of life. You probably go to and from many places in a week, and don’t think at all about the possibility of getting involved in a collision. Unfortunately, sometimes accidents happen, so make sure that you do your part to avoid damaging your vehicle, as well as avoid injuring yourself and any passengers.

Here are some quick tips that we posted last week on the best ways that you can avoid auto accidents:

  • Obey the speed limit and all traffic laws, and don’t try to “beat” yellow traffic lights.
  • Don’t drive while fatigued, emotional, or otherwise impaired.
  • Avoid distractions from electronics and other sources while you drive.
  • If you can, wait to drive until weather conditions like fog, rain, and snow have passed.

Following these simple tips will help to ensure that you don’t get into an accident. Don’t be afraid to share them with your loved ones to let them know that you care.

Unfortunately, though, sometimes accidents are unavoidable. To make sure that you and your vehicle are protected, call Vargas and Vargas Insurance Agency at 617-298-0655 and ask about getting a quote or review for your Massachusetts auto insurance policy. Our friendly agents will be happy to help you get the right coverage at a price that fits your budget.

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Easy “DIY” Projects You Can Do in One Weekend

Do you ever get the itch to tackle a DIY (do-it-yourself) project? Home improvement tasks don’t have to be complicated or expensive, and there are many simple tasks can make a huge difference to your home. Springtime is also the perfect time to spruce up your home while you recover from the doldrums of winter and prepare for a summer of fun and festivities.

This week, our employees shared some of their favorite easy home projects that make an impact without too much effort:

Improve Curb Appeal

The front of your home is the first thing people see upon arriving, so make sure that it is ready to make a good first impression. When was the last time you cleaned the outside of your front door? Years of ice and pollen can leave residue, and a hard scrubbing can make a big difference. Once it’s clean, take the opportunity to apply touch-up paint, if needed.

Entryways always look more inviting with a little touch of character, so add a wreath or topiary. You can even consider adding a small chair or bench, if there is room, and decorating it with some weather-proof pillows. To go above and beyond sprucing up your front yard, fix any cracks in the driveway and walkways.

Plant a Garden

If your front yard isn’t in need of improvement, maybe the backyard could use some TLC. A garden is a beautiful and useful project that you can benefit from for years to come. Grow flowers for your home or to give to friends or grow herbs and fruits and vegetables that will provide organic produce for your family. A few of the vegetables that grow well in Massachusetts are:

  • Lettuce
  • Sweet Potatoes
  • Tomatoes
  • Snap Peas
  • Broccoli
  • And More

Setting up your garden is a great weekend project, but tending it is a hobby that will keep you busy. Make sure that you do plenty of research and talk to professionals about the best time to plant, and how to care for your garden.

Update a Lighting Fixture

The lighting fixture is one of the most prominent fixtures in a room, and updating it to something new is probably easier than you think. Remember to turn off the power to the fixture on your circuit breaker before you begin, then it’s simple to go down with the old and up with the new (or just take the old one down and give it a new coat of paint). While you’re updating your light, make sure to install an energy efficient bulb in the fixture!

Install Crown Molding

Want to make your home seem more elegant? It’s a tough job, but crown molding is one of the easiest ways to do so. A slightly more advanced DIY project, you will need the ability to cut the molding to the right size and attach it securely to the wall. Make sure that you use paintable caulk when completing this job. Crown molding is subtle, but it can really transform a space, and it’s something that will make an impact on potential buyers if you ever decide to sell your home.

Replace Cabinet and Drawer Hardware

How long have you been using the same hardware in your kitchen and bathroom? These knobs and handles are something you probably interact with several times a day, so changing them to something new can be a refreshing update. Note how many you will need for the room you choose to update, and make sure to buy a few extra, just in case. Then it’s as easy as grabbing a screwdriver to get your new look! Just make sure to get new hardware with the same number of screws (and at the same distance) as the old – otherwise you will need to drill holes in your cabinets, adding to the complexity of the project.

Paint an Accent Wall

An accent wall is a great way to add a pop of color to a room without overstimulating its inhabitants. Choose a small wall – typically one of the first that you see upon entering the room. Estimate the square footage of the wall to ensure that you purchase the right amount of paint, and make sure that you purchase a few drop cloths to protect your carpet and furniture while you do the painting. What’s nice about this project is that the hardest part of painting an accent wall is picking out the color… or maybe moving a few pieces of furniture out of the way. Once you do that, you’re only a few hours away from a transformed space!

Get Creative Making Art

If painting a wall isn’t your cup of tea, you can tackle an even easier project with DIY art. Some paint and a large canvas is all it takes to create a masterpiece for a wall in your home. The best part is that there’s no experience needed – just find a tutorial online and have fun with it. Some projects are even foolproof enough that you can get the kids involved!

As always, make sure that you are confident in your abilities before starting a home improvement project. It is also important to have an experienced professional on speed-dial just in case you need advice or a helping hand.

So, which of these seven projects will you tackle first? Remember, if you complete a DIY project that adds value to your home (like installing a new lighting fixture or molding), you should talk to your Massachusetts insurance agent in order to make sure that the increased home value is reflected in your home insurance policy.

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March National Day’s Calendar

March 1st

  • National Minnesota Day
  • National Dadgum That’s Good Day
  • National Fruit Compote Day
  • National Horse Protection Day
  • National Peanut Butter Lover’s Day
  • National Pig Day

March 2nd

  • National Banana Cream Pie Day
  • National Old Stuff Day
  • National Read Across America Day (Dr. Seuss Day) – If on Weekend, Moves to Closest School Day
  • National Speech and Debate Education Day – By Annual Resolution
  • National Employee Appreciation Day – First Friday in March
  • National Dress in Blue Day – First Friday in March

March 3rd

  • National Soup it Forward Day*
  • National Anthem Day
  • National Cold Cuts Day
  • National I Want You to be Happy Day
  • National Mulled Wine Day

March 4th

  • Finisher’s Medal Day* – First Sunday in March
  • Marching Music Day
  • National Grammar Day
  • National Hug a G.I. Day
  • National Pound Cake Day

March 5th

  • National Absinthe Day
  • National Cheese Doodle Day
  • National Multiple Personality Day

March 6th

  • National Dress Day
  • National Dentist’s Day
  • National Frozen Food Day
  • National Oreo Cookie Day
  • National White Chocolate Cheesecake Day

March 7th

  • National Be Heard  Day
  • National Cereal Day
  • National Crown of Roast Pork Day

March 8th

  • National Oregon Day
  • International
    Women’s Day
  • National Peanut Cluster Day
  • National Proofreading Day

March 9th

  • National Day of Unplugging – Second Friday in March
  • National Barbie Day
  • National Crabmeat Day
  • National Get Over it Day
  • National Meatball Day

March 10th

  • National Blueberry Popover Day
  • National Mario Day
  • National Pack Your Lunch Day
  • National Women and Girls HIV/AIDS Awareness Day

March 11th

  • National Johnny Appleseed Day
  • National Oatmeal Nut Waffles Day
  • National Proposal Day
  • National Worship of Tools Day
  • Daylight Saving Time – Second Sunday in March

March 12th

  • National Girl Scout Day
  • National Plant a Flower Day
  • National Napping Day – Day after Return of Daylight Saving Day

March 13th

  • National Coconut Torte Day
  • National Earmuff Day
  • National Good Samaritan Day
  • National Jewel Day
  • National K9 Veterans Day
  • National Open an Umbrella Indoors Day

March 14th

  • National Write Your Story Day *
  • National Children’s Craft Day
  • National Learn About Butterflies Day
  • National Pi Day
  • National Potato Chip Day
  • National Registered Dietitian Nutritionist Day – Second Wednesday in March

March 15th

  • National Kansas Day
  • National Everything You Think Is Wrong Day
  • National Pears Helene Day
  • National Shoe the World Day

March 16th

  • National Farm Rescuer Day
  • National Artichoke Hearts Day
  • National Everything You Do Is Right Day
  • National Freedom of Information Day
  • National Panda Day

March 17th

  • National Corned Beef and Cabbage Day
  • St. Patrick’s Day
  • National Quilting Day – Third Saturday in March
  • National Corn Dog Day – Changes Annually

March 18th

  • National Awkward Moments Day
  • National Biodiesel Day
  • National Lacy Oatmeal Cookie Day
  • National Sloppy Joe Day
  • National Supreme Sacrifice Day

March 19th

  • National Certified Nurses Day
  • National Chocolate Caramel Day
  • National Let’s Laugh Day
  • National Poultry Day

March 20th

  • National Native HIV/AIDS Awareness Day
  • National Proposal Day
  • National Ravioli Day
  • Spring Begins – Changes Annually March 20, 2018
  • National Ag Day – Changes Annually

March 21st

  • National California Strawberry Day
  • National Common Courtesy Day
  • National Fragrance Day
  • National French Bread Day
  • National Single Parent Day
  • National Kick Butts Day – Changes Annually

March 22nd

  • National West Virginia Day
  • National Bavarian Crepes Day
  • National Goof Off Day

March 23rd

  • National Chia Day
  • National Chip and Dip Day
  • National Near Miss Day
  • National Melba Toast Day
  • National Puppy Day – Typically celebrated  on March 23rd,  however observed on a Friday or Monday when falling on a weekend

March 24th

  • National Chocolate Covered Raisin Day

March 25th

  • National Lobster Newburg Day
  • National Medal of Honor Day
  • National Tolkien Reading Day

March 26th

  • Epilepsy Awareness Day – Purple Day
  • National Nougat Day
  • National Spinach Day

March 27th

  • National Joe Day
  • National Spanish Paella Day
  • National American Diabetes Association Alert Day – Fourth Tuesday in March
  • National Education and Sharing Day – Changes Annually – 11th day of the month of Nisan on the Jewish calendar

March 28th

  • National Black Forest Cake Day
  • National Something on a Stick Day
  • National Weed Appreciation Day
  • National Little Red Wagon Day – Last Wednesday in March
  • Manatee Appreciation Day – Last Wednesday in March

March 29th

  • National Nevada Day
  • National Vietnam War Veterans Day
  • National Lemon Chiffon Cake Day
  • National Mom and Pop Business Owners Day

March 30th

  • Virtual Vacation Day*
  • National Doctors Day
  • National I Am in Control Day
  • National Pencil Day
  • National Take a Walk in the Park Day
  • National Turkey Neck Soup Day

March 31st

  • National Bunsen Burner Day
  • National Clams on the Half Shell Day
  • National Crayon Day
  • National Prom Day
  • National Tater Day

 

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Recap: What is Liability Coverage?

Did you see our blog last week about liability coverage? In case you missed it, here is a quick recap on what liability insurance is, and why it is such an important part of your insurance portfolio:

Liability insurance is protection to ensure that you are financially protected if you are held liable for damage or injury to someone else, most commonly due to a lawsuit. Liability insurance is almost always a part of insurance that you probably already hold, including home insurance, renter’s insurance, auto insurance, business insurance, and more.

And since you can truly never have too much protection, consider an umbrella insurance policy. One umbrella policy goes above and beyond all of your current liability coverage – meaning that if your costs and damages in a lawsuit exceed the liability limits on your home, renter’s, or auto policy, your umbrella insurance will kick in to extend your coverage. There is even commercial umbrella insurance available for businesses. These types of policies are very inexpensive, especially considering how much protection they offer.

So, have you talked to your Massachusetts insurance agency about how to mitigate liability risks? Call 617-298-0655 to talk to a Vargas and Vargas Insurance agent about your current liability coverage, and whether you should consider purchasing an umbrella insurance policy.

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