Terms and Conditions

These Terms & Conditions govern your use of the Vargas & Vargas Insurance website and any services, information, or resources provided through it. By using this website, you agree to these Terms. If you do not agree, discontinue use immediately.

About Vargas & Vargas Insurance

Vargas & Vargas Insurance is an independent insurance agency based in Dorchester, Massachusetts. We serve individuals, families, and businesses across the state and work with multiple carriers to offer a wide range of insurance solutions, including home, auto, renters, condo, commercial, life, umbrella, and specialty policies.

Information on this website is intended for Massachusetts residents unless stated otherwise.

Use of the Website

You may use this website only for lawful purposes. You agree not to:

 • Use the site in any manner that violates local, state, or federal law
• Attempt to gain unauthorized access to systems, data, accounts, or networks
• Interfere with or disrupt website performance
• Copy or extract website content for commercial use without permission

We may restrict or terminate access if these Terms are violated.

No Professional Advice or Guaranteed Coverage

All information on this website—including articles, FAQs, blog posts, and educational content—is for general informational purposes only.
Nothing on this site constitutes:

 • Legal advice
• Financial advice
• Professional insurance advice
• A binding offer of coverage

Policies become effective only after underwriting approval, payment (where applicable), and the issuance of a policy by a licensed carrier.

Quotes, Applications, and Coverage

Insurance quotes provided through this website, email, phone, or text are estimates only. All quotes are subject to:

 • Underwriting review
• Eligibility requirements
• Regulatory guidelines
• Verification of information
• Carrier rating structures

Submitting a quote request does not bind coverage. Only a carrier can finalize and issue a policy.

Accuracy of Information You Provide

You agree that all information you submit—whether through contact forms, quote requests, emails, or conversations—is truthful and complete.
Failure to provide accurate information may result in:

 • Incorrect quote estimates
• Changes in premiums
• Coverage denial
• Policy cancellation or voiding

You are responsible for reviewing your policy documents for accuracy.

Communication Consent

By contacting us through the website, phone, text, or email, you consent to receive communications related to:

 • Quotes and applications
• Policy updates and renewal information
• Required documentation
• Claims-related guidance
• Service notifications
• SMS messages (if opted in)

You may opt out of promotional communications at any time.

Intellectual Property

All content on this website—including text, graphics, logos, images, videos, and layout—is the property of Vargas & Vargas Insurance or its content providers.
You may not:

 • Copy or reproduce content
• Distribute or modify materials
• Use content for commercial purposes without written permission

Third-Party Links

This website may include links to third-party sites or insurance carriers. Vargas & Vargas Insurance:

 • Does not control third-party sites
• Is not responsible for their content, policies, or security
• Does not guarantee the accuracy of their information

You access third-party websites at your own risk.

Disclaimer of Warranties

This website is provided “as is” and “as available.” We do not warrant:

 • The accuracy or completeness of website content
• Uninterrupted or error-free operation
• Security of data transmission
• Availability of any specific service or product

Use of the website is at your sole risk.

Limitation of Liability

To the fullest extent permitted by Massachusetts law, Vargas & Vargas Insurance is not liable for any damages arising from:

 • Website use or inability to use the site
• Errors, inaccuracies, or omissions in content
• Technical issues, outages, or cyber incidents
• Carrier underwriting decisions or premium changes
• Any actions taken based on website information

This includes direct, indirect, incidental, consequential, punitive, or special damages.

Indemnification

You agree to indemnify and hold harmless Vargas & Vargas Insurance, its owners, employees, and affiliates from any claims or losses arising from:

 • Your use of the website
• Your violation of these Terms
• Your violation of applicable laws
• Your submission of incorrect information

Privacy Policy

Your use of this website is also governed by our Privacy Policy, which explains:

 • What personal information we collect
• How we use it
• How we protect it
• Your rights regarding your data

By using this website, you acknowledge and agree to the Privacy Policy.

Changes to These Terms

We may update these Terms from time to time. Updates take effect immediately when posted. Continued use of the website means you accept the updated Terms.

Governing Law

These Terms & Conditions are governed by the laws of the Commonwealth of Massachusetts. Any disputes will be handled within Massachusetts jurisdiction.

Contact Information

Vargas & Vargas Insurance
1133 Washington Street
Dorchester, Massachusetts 02124

Phone: 617-298-0655
Text: 617-409-0329

Email (Customer Service): hello@vargasinsurance.com
Email (Quotes & New Accounts): quotes@vargasinsurance.com

Contact Information

Call: 617-298-0655

Text: 617-409-0329

Office Address

Address: 1133 Washington Street, Dorchester, Massachusetts 02124, United States

Office Hours

Monday–Friday: 9 AM – 5:30 PM

Evenings & Weekends: By Appointment Only

What Boston neighbors say about our team

Real experiences from Dorchester, South Boston, Quincy, and Cambridge clients appear here to help you feel confident about choosing Vargas & Vargas Insurance. See how our local agents handle same-day ID cards, clear coverage explanations, and responsive help by phone or text when it matters most. You can read our reviews to explore recent feedback and ratings from Massachusetts policyholders.