Click to Call Text Us
Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

 Get Directions

Month: August 2019

Managing Growth

Posted on by cvargas

Growth can sneak up on us.  Whether it’s your family or your business, one day you realize you’ve grown larger than when you started. 

  • Two cars when once there was one.
  • Five employees when previously you had two. 
  • A new spouse when you once lived alone. 

Growth is a good thing, it’s the keeping-up-with-growth that’s difficult.  Unless you’re organized and prepared, then growing becomes easy-peasy.

One area we often overlook, when growth occurs is whether it sneaks up on us or we prepare for it, is with our insurance.

Here’s where your Independent Insurance Agent comes in. We help your growth spurt feel smooth, organized, and best of all, prepared for any happenstance.

We often advocate that our clients undertake an annual review with us to see what coverages best suit their needs with natural changes over time. This helps to ensure quality coverage at an affordable cost whenever possible.

Our facility as your Independent Agent is there for you to advocate and manage when the “growth” word pops up.  Not only can we find the right insurance coverage for your new larger family or business, but we can help you control the costs of that insurance. 

Call us today so we can discuss all of your wonderful growth opportunities and reduce any growing pains so you experience the best possible insurance solutions.

You can reach us by calling 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review. Click here to Visit our Contact Us page.

Read More

Fire Hazards in Your House

Posted on by cvargas

Fire hazards are everywhere. Yet, we often ignore the danger, or, worse, we’re completely unaware of the lurking, imminent threat of fire breaking out.  Fire is a devastating event, inflicting tremendous damage, sever injury and death!  Fire can wreak havoc in a fierce, fast, moment.

Smoke detectors are your primary line of defense to protect your life when a fire breaks out.

But you should take the time to carefully inspect your home for hazards that could easily become a threatening event.

Extension Cords 
Overloaded electrical extension cords cause fire by overheating and exploding in flame. Additionally, they are often near to furniture or draperies that burn rapidly. 

Take time to unburden your electrical outlets from overloaded extension cords.  If you absolutely must increase utilization of a particular outlet in your house, consider hiring an electrician to upgrade the wiring and quality of that outlet. Install of an outlet with a “Ground Fault Interrupt” (GFI) breaker that shuts the outlet off in the event of overloading.  

Consider purchasing a high-quality surge protection power strip with built-in circuit breaker.

Coffee Machines
Does your coffee maker have an “Auto-Off” feature?  We forget to turn off coffee machines; they continue warming the near-empty carafe, ultimately burning off any remaining liquid, thus creating a fire hazard while you’re away from home.

Circuit Breaker Panel Upgrade 
When is the last time you asked a Licensed Electrician to inspect the circuit breaker panel in your house to determine its viability for your current needs?  A simple inspection and potential upgrade of worn or insufficient breakers can go a long way to presenting a first line of defense against fire hazards.

Lightning
Do you have a lightning rod installed on your home?   The lightning rod is a simple metal bar that captures a lightning strike and sends the resulting electrical burst harmlessly away from your roof.

Inspect all electrical outlets
Be sure there’s no furniture, clothing, newspapers or other flammable objects too close to, or obstructing the electrical outlets around your home.  A flimsy fabric accidentally falling on the electrical cord to a lamp can potentially overheat and create an immediate fire situation.

You can find more excellent advice on inspecting and protecting your home at the National Safety Council website.

Call us so we can help you with other claim prevention tips. You can reach us by calling 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review.

Click here to Visit our Contact Us page.

Read More

Monday Morning Motivation Week of August 19

Posted on by cvargas

Last week we discussed strategies to become “the authority” on your topic. Here are a few more strategies to consider.

It’s no surprise that I LOVE starting the week (and everyday) with words of wisdom. Today’s are:

“A lot of times, people don’t know what they want until you show them.”
– Steve Jobs

3. Know Your Audience and Add Real Value

Knowing your audience is the core of the marketing process—without it, you wont know your audience’s pain.

Seek to understand the personal goals, frustrations, and daily struggles of the individuals included in your audience.

What do I mean by being “real”? People think frequently and often, “What’s in it for me?”

 You need to be seen by your clients as something they value and can use. This will aid in making a real connection with them so you can be a reliable resource.

4. Be Consistent

Consistency is a key component to establishing your reputation as an authority and building the trust that comes with the reputation.

5. Engaging With Your Community

Cement your position as an expert in your community by being open and engaging with them.  This doesn’t mean just placing a small sponsor add in an events fundraiser booklet or responding to comments and answering questions.  You need to get out and meet your “tribe” through volunteering at events, community and fundraisers. Additionally, have conversations with them by asking what they need. Most importantly, follow up and through based on your conversations.

6. Build Relationships With Experts and Influencers

Reach out to experts and influencers within your niche and in related niches that target the same audience that is your best customer. These folks are strategic alliances and could be your best referral source.

While it takes time and work to position yourself as an authority in your field, the benefits you receive will be worth the investment.

As the most trusted expert, whether you are a real estate agent, mortgage professional, builder etc., you will be the first choice in the minds when they need to hire someone that provides the services that you offer.  This is because you have not only helped them to know, like and trust you, but you have also clearly demonstrated the expertise that proves you can help them solve their problems or overcome their challenges.

Please review ALL of my Monday Morning Motivation blogs HERE. 

Visit us anytime online for tips and training on how to build your business. Click here!

Read More

Back to School: Children and Insurance

Posted on by cvargas

Getting children prepped and off to school is often a hectic time. 

The last thing you want to think about is insurance. 
So, don’t.  That’s right, don’t think about insurance!

You’ve got too much on your plate, between clothing decisions, book-buying, book-bag purchases and packing. So, no, there’s no time for insurance.

What you can do, on the other hand, as your crazy, zany, busy early school days proceed is be mindful of things happening that could become an insurance event.  Putting your insurance into a “zen-like” part of your busy day can only help you avoid the dreaded-of-all-insurance-situations:
a claim!

Let’s start with young drivers.  They grow up so fast. When they pass their driver’s test, it’s a bittersweet. You have more freedom and they have more independence with getting from point A to point B.

You forgot to remember that she’d be asking to use the car to hang out with friends, attend school events, go shopping. Back to school time is a great time to be mindful, thinking of your young new-driver’s desires, and prepare yourself, and them, for that driving experience. 

It’s important to carefully remind them about safe driving techniques in order to avoid accidents and claims!

Rushing out the door on those first insane days of school can lead to other potentially dangerous situations, the kind that lead to insurance claims.

How about discussing safety measures before they even leave the house to get on the road? Such as, the coffee machine?  Does it have an Auto-Off feature? 

Too many household fires are caused by coffee machines burning through empty coffee carafes for hours on end.

There are other potentially dangerous events you can avoid when you add a small dose of “insurance mindfulness” into your crazy Back-To-School Days. 

Call your Independent Insurance Agent and ask her to help you become a Zen-Master of avoiding calamitous insurance claim events.  We promise that it’ll be better to enjoy watching your children run off to school in the mornings while you sip your coffee in peace.

Call us for a no-obligation, FREE insurance quote to help you determine that you, your family and your business are protected! You can reach us by calling 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review. Click here to Visit our Contact Us page.

Read More

Monday Morning Motivation Week of August 12

Posted on by cvargas

I LOVE starting the week (really everyday) with words of wisdom.
Todays are: 

“When you speak to everyone, you speak to no one.”
~ Meredith Hill

For the last few weeks, we have been talking about niches and niche marketing.

There are so many choices and options today when people are looking to solve a challenge or problem. 

How do they make that choice?

One way is that they find a trusted expert or authority who has built a relationship with them and has proven their expertise on their topic.

When your community needs someone that offers YOUR products or services, will you be TOP OF MIND and  the authority they turn to for assistance?

Here are some strategies to become “the authority” on your topic:

1. Focus on a niche

Don’t be the proverbial “ jack-of-all-trades and master of none”.  If you want people to see you as an authority, specialize in something.  Pick a niche that narrowly focuses on your ideal Customer. With this level of specialization, you can focus on what they need and/or want. You will be better able to personalize your message to speak directly to your ideal client(s) and connect with them emotionally. This is vital to your success in becoming an authority.

Don’t be afraid to experiment until you find the right niche for your business and community.

 2.  Choose the right channels. 

Once you have chosen your niche, you must also select the right channels to share your knowledge and expertise.  You don’t want to waste your time sharing your knowledge in place where your community is not spending their time.

Do you know if they spend their time on Facebook, Twitter, Instagram, LinkedIn, YouTube, or somewhere else?

Knowing this will increase your engagement with your future clients based on your relevant, focused  content.

Next week, stay tuned for item #3: Adding real value by knowing your audience.

Please review ALL OF MY Monday Morning Motivation blogs. Visit us anytime online for tips and training on how to build your business. Click on the link: https://www.vargasinsurance.com/blog/category/monday-motivation

Read More

Why Do I Need an Umbrella Policy?

Posted on by agentinsure

An umbrella policy is an additional layer of liability insurance that protects you and your assets above and beyond the coverage of your home or auto insurance. If you live in or near Dorchester, MA, Vargas & Vargas Insurance has experienced agents who can help to explain the value of an umbrella policy and why it could be right for you. 

If you have any assets at all an umbrella policy is valuable protection. Home insurance and car insurance policies have liability limits that are often not high enough to protect you adequately. If you are found to be at fault or even if you are not ultimately found to be at fault, the legal fees can be quite high.  If the case is not decided in your favor and your insurance liability is not enough to cover the judgment, you may be required to pay the remainder of the money yourself. It could take all of your saving and assets and even your future assets to make that payment.

With an umbrella policy, when the maximum is reached on your home or auto policy, your umbrella policy kicks in and pays up to the maximum amount of the policy. Most umbrella policies are from one to five million dollars. It is easier to sleep at night knowing that you are protected today and into the future. 

You have worked hard to accumulate the assets that you have. Protecting them is important for your peace of mind. At Vargas & Vargas Insurance in Dorchester, MA, our friendly and knowledgeable staff are ready and waiting to help you get the coverage that you need. Give our office a call or stop by and let us help you understand the benefits of this important coverage and get a no-obligation quote. Visit our website for more information.

 

Read More

Christmas In August?

Posted on by cvargas

I hope you’re enjoying an amazing Summer!  The weather has been mostly wonderful: perfect for picnics, beach days, barbecues on the back deck with family and friends. 

Let’s talk about Christmas.  Wait, Christmas?

but, But BUT, it’s August!

Yes, but who doesn’t love Jingle Bells, chestnuts roasting on an open fire, wrapping paper, lights, ornaments and trees!

Talking about Christmas reminds us that we often take time at the end of the year to reflect on the year coming to an end, and to prepare for the New Year.

Why wait until the end of the year?  Let’s feel the way we do during the holiday season now, in August! 

Why not take a few minutes in the next few weeks, maybe 20 minutes here, another 30 minutes there, 10 minutes and so on…and review and plan for our better financial health.  Let’s think about insurance and the effect that your monthly insurance premiums have on your monthly budget.

Budgeting is certainly something we think about before and during the holiday season, right?

Take 10 minutes to consider your monthly budget, the time to assess your monthly insurance costs, is all it takes to know your numbers. 

Take 20 minutes gathering your insurance policies, whether on paper or in electronic format is what you need to prepare for the phone call, the phone call you won’t have to make later in the year…you know, around Christmas time!

Set aside 30 minutes to call your Independent Insurance Agent, review those policies you gathered in front of you, and discuss your monthly premiums as they exist, and how you can both lower those premiums and improve the quality of your insurance coverage.

Give yourself a Christmas present in August! 
Make your budget healthier, improve your quality of insurance coverage and, best of all, eliminate one item from your end of the year “To-Do” list so you can better enjoy your holidays.

And who knows, you may save enough money to get that treasured gift you’ve been thinking about for your loved one.

Our gift to you is the no-obligation FREE insurance quote to help you determine that you, your family and your business are protected!

You can reach us by calling 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review. Click here to Visit our Contact Us page.

Read More

Monday Morning Motivation Week of August 5

Posted on by cvargas

I start each week with words of wisdom, and today’s are:

“Attitude is more important than the past, than education, than money, than circumstances, than what people do or say. It is more important than appearance, giftedness, or skill.”
~ Charles Swindoll

After I gave notice to my “9 to 5” employer, I started working at Prudential with #TheMan as my manager.  Through his teaching, I learned the debit system; but more importantly how to collect, review insurance policies and uncover a new need for life insurance.  I was fairly successful. Though, anyone would have been successful with the training #theMan gave me. 

What’s “fairly successful”? Remember how I quit my “9 to 5” job to join Prudential? Well, I didn’t quit my 9pm to 12am midnight job nor my Saturday and Sunday taxi cab driving job since I didn’t know if I would make it selling life insurance.  But, after a year, I did quit the weekend taxi job. Why? Because I started making more money that both of my parents combined. That’s a quantifiable result right there.

I quickly learned that my “niche” was being present before someone purchased their home. 

You see, I figured out that if I could manage my homeowner insurance clients, there was high probability  that they would buy life insurance to cover their new financial need. I made more money selling life insurance than I did selling home or automobile insurance.

Here’s a book recommendation on how to narrow your niche to increase your responsiveness: 
“Badass Your Brand: The Impatient Entrepreneur’s Guide to Turning Expertise into Profit” BY Pia Silva

Niche selling gets great results! Without creating a niche, you can sell anything to anyone, but that doesn’t mean you should, right?

If you go to the general marketplace with the ”Hey I can help anyone with anything” speech, you’ve got about as much credibility as someone who says, “Hey I can mow lawns and i’ve got this hair re-growth tonic and I’m also a NASA astrophysicist.”

No one takes you seriously when you try to be everything to anyone.
Consider this:

  1. Forget about the “anyone” and the “anything”. 
  2. Pick a “someone” and a “something”.
  3. Find the people with the problem.
  4. Pick one person with one problem and make them one clear promise.

This shifts your beige, general, bland message. Instead of the prospect thinking, “He/she ’s not really talking to me.” to “Hey, this person is talking about people just like me about the sort of problems I’ve got.”

Then, they pay attention and listen. 

Stop being broad, pick a micro-niche for the next 60 days, target it and get better results.

Stay tuned for why I stopped selling life insurance. 

Please review ALL OF MY Monday Morning Motivation blogs. Visit us anytime online for tips and training on how to build your business. Click on the link: https://www.vargasinsurance.com/blog/category/monday-motivation

Read More

Back to School: Finance 101 – Your Children Money

Posted on by cvargas

It’s never too early to talk to your children about money and finances.

Specifically, when was the last time you reviewed your life insurance? 
Life insurance is the safest and most secure way to protect your family and dependents against financial ruin should the family breadwinners die.

Helping Your Children Reach Their Dreams

When was the last time you spoke to your children about money?
About financial planning?

Many families believe that talking about money is taboo. However, if children are raised to fear certain discussions, they may not have the confidence to think and focus clearly on fundamentals to achieve their dreams when the time comes for them to make responsible financial decisions.

Whole life insurance can help give your children a financial head start.
It provides a guaranteed amount of life insurance that also accumulates cash value.

Securing life insurance on your children is a sound strategy to kick start the financial planning your children will appreciate as they enter adulthood. Entering adulthood means having to make tough financial decisions. It’s a right of passage in its own right.

As adults, your children could have the benefit of accessing their policy’s cash value for any reason, including but not limited to:

  • College tuition and expenses
  • Funding a wedding
  • A down payment on a house
  • Starting a business

Never Too Young to Start

Life insurance premiums are based on a number of factors, including a person’s age and health. Premiums are generally lower for children because they are young and healthy. This is one of the basic reasons why this makes sense to help your children structure their own life insurance portfolio.

A Gift They Can’t Outgrow

Children outgrow clothes, toys and other gifts. A whole life policy is different. You can give your children a fully-funded life insurance policy that will provide:

  • Permanent life insurance to one day protect their families.
  • Cash value that can be used to help fund life’s big events.
  • The option to increase their protection as their families grow.

Remember, if you are afraid to discuss money, that will transcend to your children’s belief system too. Give them the gift of financial freedom by way of planning and knowledge.

If you would like to discuss a comprehensive insurance review and any advice that pertains to your kids financial future, please call Jack Carrigg at 617-298-0655 ext 104 or email Jack at jcarrigg@vargasinsurance.com.

Read More

Our Services

Reviews

Partner Carriers

  • Arbella Insurance
  • Commerce
  • Mass Property
  • New London County Mutual
  • Norfolk and Dedham
  • Palomar
  • Pilgrim
  • Plymouth Rock
  • Safety
  • Travelers
  • Vermont Mutual