Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

May 25, 2025

Is the lowest insurance quote always the best one?
What are you  not  getting when you pick the cheapest option?
Let’s talk about why that “great deal” might not be so great when you actually need it.
In this article, you’ll learn what most agencies won’t tell you about coverage, deductibles, and how to truly protect yourself.

Yes, We’ll Show You the Cheapest Option — But That’s Just the Start

When you come to Vargas & Vargas Insurance for a quote, you’ll definitely see  the lowest-price policy . But we won’t stop there — because what you  don’t  see on the quote sheet matters even more.

The cheapest policies often leave out key protections  like:

  • Water backup coverage
  • Adequate liability limits
  • Personal property protection

You could save $100 today, but end up  paying thousands  when the unexpected happens. That’s why we believe it’s better to compare not just the price — but the protection.

Deductibles: Lower Premiums Aren’t Always Worth the Risk

Absolutely — here’s a rewritten version of that paragraph that incorporates your points and keeps the tone clear, helpful, and aligned with the rest of the article

Choosing a $2,500 deductible to save $30 a month might be a smart move for some — but not for everyone.  That’s why we take the time to explain how that trade-off would actually play out in the real world, especially when it comes to filing a claim. We’ll also walk you through  percentage-based deductibles  — what they are, how they work, and why they can be risky in certain situations. You’ll leave the conversation knowing exactly what you’re signing up for, and whether it fits your comfort level and financial reality.

It’s not about cheap — it’s about what’s smart for  you.

We Sell with Honesty, Not Pressure — Every Single Time

We’re not here to upsell or scare you into a pricier policy.
And we’re definitely not here to push a rock-bottom deal that leaves you vulnerable.

Our job is to walk you through all your options — clearly, honestly, and with your best interests in mind.

We’ve served the Boston area for over 45 years, and we’ve seen it all. That’s why we take the time to explain what each quote really means, and why one option might make more sense for your situation than another.

What’s the Smartest Move for Your Insurance? Let’s Talk About It.

At the end of the day, the “cheapest” policy could be the most expensive mistake you make. Especially if it skips key coverage or gives you a deductible you can’t afford.

Now that you know what to look for — and what to ask — it’s time to  get a quote that’s tailored to you.

📞  Call us today at 617-298-0655  or click below to get started online.

You’ll get:

  • Side-by-side comparisons of coverage and cost
  • Clear advice on deductibles that match your comfort level
  • No pressure — just real guidance from local experts

< Older Post

Newer Post >

Does Homeowners Insurance Cover Floods? (The Shocking Truth)

September 7, 2025
Think your homeowners insurance has you covered if a flood hits your neighborhood? What if we told you that it probably doesn’t — and you won’t find out until it’s too late?

Entrepreneurs — Quickly Review Your Commercial Insurance Policy | Blog | Vargas & Vargas Insurance

September 4, 2025
Commercial insurance policies are complicated. At Vargas & Vargas, we know small business owners are focused on running their businesses. You don’t always have the time to pour over commercial insurance policies in detail. Today, we will make a few key points that you should consider as we move forward in 2021.