Recap: Insurance Mistakes

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

Posted on April 17, 2018May 25, 2018 by cvargas

“Each life is made up of mistakes and learning, waiting and growing, practicing patience and being persistent.” – Billy Graham

As the saying goes, “To err is human.” That doesn’t mean, however, that you should be ok with making easily avoidable mistakes. This includes the insurance mistakes that we detailed in our blog post last week! At Vargas and Vargas Insurance Agency, our experienced Massachusetts insurance agents will give you advice and review your insurance policies to ensure that you don’t make common insurance mistakes like these:

Insuring your home for its market value instead of the cost to rebuild.
Not having a home inventory in the event that you suffer a major loss.
Skipping out on policies like flood insurance and umbrella insurance.
Buying only the minimum amount of liability insurance with your auto policy.
Forgetting to weigh in on the premium vs. deductible trade-off.
Paying for unnecessary business insurance policies.
Failing to update your insurance policies regularly.

Want a free and no-obligation insurance review? Just call our agency at 617-298-0655 to talk to a great Boston insurance agent about whether your policies will provide the necessary amount of coverage if you make a claim. Also take a minute to subscribe to our blog so that you don’t miss any of our great upcoming content, including insurance tips and tricks, summertime topics, life in Boston, and much more.

Know More about Your Credit Score

Posted on April 12, 2018April 6, 2018 by cvargas

The credit score – a seemingly ‘all-knowing’ number that will determine your eligibility to get a mortgage or rent an apartment, buy a car, start a business, and more. This little number is a huge part of your life, so you need to do what you can to get it as high as possible. But, you may say, “it seems so arbitrary! What can I do to raise it?”

Never fear, dear reader! The professionals here at Vargas and Vargas Insurance Agency are here to demystify the credit score. Here are the details on many of the most-asked credit score issues:

What is a Credit Score?

When making a decision about whether you’re a good candidate for a loan, institutions want some credit history. Rather than sift through your entire history, though, they quantify your past spending. Credit bureaus take many factors and turn it into a number between (generally) 300 and 850. They pass this number on to the institution you’re looking to borrow from so that a decision can be reached.

What affects Your Credit?

The three credit bureaus (Experian, TransUnion, and Equifax) take many things into account when determining your credit score. Each is slightly different and has differing weights, but generally the things that will affect you the most are:

Whether you pay your bills on time
How much of your available credit is being used.
The types of credit you carry.
The number of active credit accounts you have open.

Establishing Credit

For young people and those that have not previously taken out a loan or owned a credit card, the question of how to establish credit can feel like a Catch-22. Most places want you to have a credit history before they will extend you any additional credit, so starting out is tricky.

Thankfully, there are a few products available to new borrowers. One is a secured credit card – you may open this line of credit by providing a deposit to back the card, and you can reclaim the deposit when the card is closed. You can also open a traditional credit card with a co-signer that has an established credit history.

Another way that many people establish their credit is with a student loan. There are many types of student loans available, so if this is the route you wish to take, do your homework to find the product that best suits your needs.

Improving Your Credit Score

If you’re looking to buy a car or apply for a mortgage, you may want to improve your credit score. There are several ways to raise your credit score. The quickest is to check all three of your credit reports to ensure that there are no mistakes.

Once you have made sure that your credit reports reflect your financial standing, you can move on to other methods of raising your score. Be warned, though, that it will take some time before you see an improvement. To see your credit score increase, you will need a history of on-time payments with a variety of lines of credit that you have carried for a long time.

Remember also that your credit score will take a small hit when you apply for a new line of credit, so if you want to apply for a mortgage in the near future, ask a financial planner whether you should wait to open a new credit account or purchase a new car.

Myths About Credit Scores

Don’t listen to everything you hear when it comes to your credit score. There are lots of myths floating around that aren’t true! Like these:

Your credit score measures how rich or poor you are – People with less income that have established credit and pay their bills on time can have a better score than higher income people with little to no credit and a history of late payments.
It doesn’t matter how much of your available credit that you use – Credit utilization is a key factor when determining your score. Often, people with better credit use far less of their available credit than people with low credit.
Only one person in a relationship has to have good credit – When you apply for a loan or mortgage with your partner, both of your scores will be analyzed.
You have to carry a balance to have a good score – In fact, you can pay off your card(s) in full each month and still have a great score. Paying in full also means that you won’t have to pay any interest!

Does that answer all of your questions about credit scores and how they affect you? If you have more, reach out to us – we can direct you to a professional with the answers.

And if your credit score recently helped you get approved for a home, car, or business loan, call us! We can get you set up with the right insurance policy to protect you. Our quotes and insurance reviews are always free, so you have nothing to lose.

Common Insurance Mistakes (and How to Avoid Them)

Posted on April 9, 2018April 4, 2018 by cvargas

Making mistakes is a part of life. We are all guilty of having faults and making errors, but it’s important to do what you can to minimize your mistakes, especially the ones that could be costly. Insurance is a product meant to help you financially recover if something happens to something you value. That is why it is so important to have the right coverage. The agents here at Vargas and Vargas Insurance Agency want to make sure that you are fully protected, so ensure that these common insurance mistakes don’t apply to you.

Home Insurance Mistakes

Insuring your home for its market value – If your home is destroyed, you will need to rebuild it. This is why most insurance professionals recommend that you insure your home for its rebuilding cost.
Thinking home insurance will always cover you – There are limits on every insurance policy, and home insurance is no different. For complete coverage, you may need to purchase additional riders or policies, like earthquake and flood insurance.
Skipping a home inventory – While we hope that you never have to deal with this, home insurance will cover you if you are ever the victim of a total loss. In that case, you will need to provide a list of possessions when you submit your claim. Wouldn’t it be a lot easier to make this list now, instead of trying to recall everything you own when it’s gone? That’s why we recommend making a home inventory!

If you don’t own a home, you’re not off the hook! Renters insurance and condo insurance are also available to make sure that you are completely covered even if you’re not a homeowner in the traditional sense. And these policies are very important!

Auto Insurance Mistakes

Buying the minimum possible amount of liability protection – As a driver in the state of Massachusetts, you are required to have a certain minimum amount of coverage. Some people buy just that amount, not realizing that they should purchase coverage above and beyond that amount. Talk to a Massachusetts car insurance expert to find out how much coverage they recommend before you scrape by without enough protection.
Ignoring coverage add-ons – When you purchase auto insurance, you will have several options that you can add to your policy. Instead of declining all of them to lower your cost, consider the added protection they will offer and if they make sense for you. Depending on your insurance provider and policy, this could include coverage for car rentals, roadside assistance, and more.
Not considering your deductible – When purchasing car insurance, you will have to consider the common insurance trade-off: deductible vs. premium. If you’re ok with spending a little more when you make a claim, you could have lower monthly payments. On the other hand, spending more on your premium could mean less of a cost when you have an issue.

There is a potential for an accident every time you get behind the wheel, so it’s important to make sure that you’re protected. Getting into a fender-bender or bumping into a neighbor’s mailbox is generally nothing to worry about, but you don’t want to cause a multi-car accident with serious injuries and then find out your underinsured.

Business Insurance Mistakes

Not enough coverage – The most common mistake when it comes to business insurance is simple: most businesses just don’t carry enough coverage. In fact, it’s almost impossible to have “too much” protection. Insurance is very cheap compared to the financial loss you would otherwise face, so talk to your insurance agent and see if you should increase your coverage.
Passing Up Liability Insurance – Did you see our blog post about Liability Insurance (aka Umbrella Insurance)? Having an umbrella over your existing business insurance is critical to ensure complete coverage, so don’t overlook this inexpensive way to add protection for your company.
Paying for unnecessary policies – Here at Vargas and Vargas Insurance Agency, we know that each business is unique. That’s why we take the time to get to know you and your business to determine the types of protection that you need. You need an agent that is experienced in providing unique policies to small businesses.

There is also one general insurance mistake that anyone is capable of: not updating policies. As time goes on, your insurance needs change. This means that you should plan on a chat with your Massachusetts insurance agent at least once a year to make sure that your insurance policies are still tailored to your needs.

If you think that you may be making one of these insurance mistakes, or if you just want an insurance professional to review your policies for gaps in coverage, call Vargas and Vargas Insurance Agency at 617-298-0655. We will do our best to ensure that your coverage is tailored to your needs, and that you will be able to rest easy if you ever need to file a claim on your Massachusetts home insurance, auto insurance, business insurance, or other policy.

Are You Ready for April Showers?

Posted on April 5, 2018March 29, 2018 by cvargas

The first quarter of the year has passed, and April has arrived. Even though temperatures are still struggling to get above 50 degrees here in Boston, we are ready to welcome warmer weather. Unfortunately, as the saying goes, “April Showers Bring May Flowers,” meaning that this month has a history of being on the dreary side.

To help you prepare for the rainy weather associated with the month of April, we have amassed an “April Showers” guide for the rain. Here are tips for dealing with downpours and sprinkles alike:

Storm Preparedness

First and foremost, we have some tips about how to get ready for the storms themselves. In case of a severe storm, you should have an emergency kit in your home (and one in each car). Make sure that these kits include a flashlight and extra batteries! Also include nonperishable foods in case of an extended power outage (and make sure that you have a manual can opener in the house).

Make sure that your home is ready to take on a storm by performing some maintenance, including cleaning your gutters and trimming trees around your property. Here at Vargas and Vargas Insurance, we deal with a lot of Massachusetts home insurance claims related to broken tree limbs. Taking time ahead of spring and summer storms to prune weak branches could save you a headache in the future.

Gardening

It is still definitely chilly, but those of you with green thumbs may want to start planning out your garden soon so that you’re ready for planting season. Soon it will be time to plant seeds for winter harvest (like squash and potatoes) and even some flower and fruit seeds. Just make sure to wait to plant seedlings until it warms up a bit, otherwise you risk them dying due to frost!

Pest Control

The increased amount of rain in April makes it a perfect atmosphere for bugs and critters. Do your part to prevent mosquitoes by ensuring that your property isn’t a magnet for standing water.

Rain also gives you the perfect opportunity to check for leaks. And any place that water can get into your home, a bug can too! Pay special attention to doors and windows, as that is the most common place for a gap. Also check for small holes around electrical outlets.

If you are having a pest problem, a trained Massachusetts pest control professional can help get the issue under control as quickly as possible.

Plumbing

It may sound silly at first, but all of the excess water falling from the sky can put a strain on your home’s plumbing. This is especially true in Massachusetts, where we also have to deal with the yearly snow melt as Spring temperatures arrive.

Pay special attention to your sump pump (if there is one in your home). It is critical that your sump pump works properly so that excess water doesn’t cause mold and mildew, or worse, a flood! Test to ensure that it is working by pouring water into the pit and waiting for the motor to start. Watch to see it pump water out and away from your home. You should also ensure that the pump is free of leaves and debris.

Driving and Vehicle Tips

Some people like the dreariness of rain, and it is relaxing if you’re trying to sleep or want to cozy up and read a good book. On the other hand, though, rain can create treacherous driving conditions. This makes it so important to make sure that your car can handle slick roads – after all, there are over 1 million weather-related vehicle crashes every year, according to the Federal Highway Administration.

Before you drive in the rain, be sure that your tires are ready for the wet roads. They should be properly inflated according to the specifications in your car owner’s manual. The tread on your tires and your car’s brakes should also be checked.

When you are behind the wheel in the rain, you should increase the distance between you and the car that you are following, turn on your car’s headlights (it’s the law in Massachusetts!), and know how to handle your vehicle if you start to hydroplane.

Rain Gear

At some point in the next month or so, you are probably going to get caught in the rain. Now is the perfect time to make sure that you are ready when that moment arrives. After all, you don’t want to be running through a rainstorm thinking, “I should have bought that raincoat!”

A raincoat is a perfect place to start when it comes to buying gear. You should also have some waterproof boots and even a hat (otherwise make sure that your jacket has a hood). Everyone also should plan to have a few umbrellas. One for your home, one for your vehicle, and maybe even an extra for your workplace.

Hopefully this blog has helped you prepare for the rain-filled Spring months ahead. If you want, tell us about some of your favorite Spring activities on our Facebook page. And make sure to stay tuned to the blog for more insurance tips and tricks.

Recap: How to Avoid Auto Accidents

Posted on March 2, 2018February 22, 2018 by cvargas

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.

Six Ways to Avoid Car Accidents

Posted on February 22, 2018February 15, 2018 by cvargas

Most days, we drive to and from work or make shopping trips without a second thought. After all, driving is such a part of life nowadays that it’s easy to forget how dangerous it can be. According to the Insurance Institute for Highway Safety (IIHS), there were 37,461 car accident deaths in 2016, including almost 400 deaths in Massachusetts (2017 statistics have not yet been released).

Here at Vargas and Vargas Insurance, we want to make sure that all of our clients are safe on the road, so we have compiled a list of the most common causes of car accidents, and how you can avoid being involved in a crash.

Speeding

One of the most significant causes of auto accidents is speeding. Approximately 30% of auto collision related deaths involved someone exceeding the speed limit. It’s easy to fall into the trap of wanting to get somewhere a little faster, but the risk of going too fast just isn’t worth the seconds you will save. Speed limits are determined for a reason, so please respect them – it could help you avoid a ticket, as well as possible accidents.

Disobeying Traffic Laws

Many other car accidents each year are caused by drivers disobeying traffic laws. Most common in this category is running red lights, often caused by trying to speed through and “beat” a yellow light. Let’s face it, no one wants to stop and wait for the light to cycle, but it’s worth adding the extra minute or two to your drive to ensure that you cross intersections safely, instead of getting hit by another car or striking a pedestrian or bicyclist.

Impaired Driving

Because of how much we drive in our lives, it may seem like a ‘no big deal’ activity. In fact, driving while impaired is very dangerous. When you drive, you need to make sure that your reaction time is uninhibited, and this means not driving under the influence of substances like alcohol and drugs (both recreation and prescription). If you are impaired for any reason, do not get behind the wheel – stay where you are, or get a friend or taxi to transport you.

Distracted Driving

Nowadays, it seems like everything is in need of our attention. When you’re driving, though, your attention should be focused 100% on the road. Many accidents occur because a driver was focused on their cell phone, their passengers or children, or even just taking a few seconds to fiddle with the radio. It may seem silly to most people, but pulling over (or at least waiting until you are at a full stop) is the only safe way to handle distractions while driving.

Weather Conditions

One thing that drivers have no control over is the weather. On foggy days, visibility is reduced. Rain reduces visibility and causes roads to become slick. In Boston, we also have to deal with snow and ice in the winter, which cause blocked and slick roadways. To avoid the possibility of getting into an accident, try to avoid driving in adverse weather conditions. If it can’t be avoided, practice extreme caution by reducing your speed and increasing your following distance. It may cause your journey to take an extra few minutes, but it is worth it in order to reach your destination safely.

Emotional or Fatigued Driving

Your state of mind is a huge factor in determining how safely you drive. Driving while drowsy or fatigued can lead to decreased focus on both the road and other drivers, and also greatly decreases your reaction time. Equally as dangerous is driving while emotional – getting behind the wheel while sad, angry, or overly stressed can lead to being distracted, or taking unnecessary risks on the road. Before you drive, make sure that you are in a balanced emotional state. Otherwise, wait until you are ready or have someone else do the driving.

Bonus Tip: Wear Your Seatbelt!

An unbuckled seatbelt isn’t a cause for collisions, but it is critical to make sure that you are wearing your seatbelt to avoid injury if you are involved in an accident. According to the National Highway Traffic Safety Administration, “safety belts reduce the fatality risk of front-seat occupants of passenger cars by 45 percent.” Remember, it’s also the law – all drivers and passengers in Massachusetts must wear their seat belts, with very few exceptions.

Follow these tips and you will be much less likely to be involved in an auto accident. Also ensure that you practice defensive driving techniques so that you are aware of other drivers on the road that may not be as cautious. And if you know another driver that could use a reminder of these techniques, please share this post with them!

Also remember that it is critical to make sure that your car is protected so that you don’t encounter a financial speed bump if your car is damaged. Call Vargas and Vargas Insurance at 617-298-0655 for a free Massachusetts auto insurance quote, or to review your coverage and find out if it is enough. You should talk to your insurance agent at minimum once a year to update your policies on any changes that you have made in your life, including is there are any new drivers in the house, or if your driving habits have changed.

What Is Liability Coverage, and Why Do You Need It?

Posted on February 19, 2018February 22, 2018 by cvargas

When talking about insurance, there are many ‘buzzwords’ used that many people don’t know the meaning of. One example of this type of term is ‘liability’ – many policies have liability protection built in, but do you know precisely what it is that this type of coverage protects you from?

This is a quick guide on Massachusetts liability insurance, including the definition of the coverage, explanations of the liability coverage you probably already have as a part of your current insurance products, and an easy way to get added liability protection.

What is Liability Insurance?

Liability insurance is the critical coverage that offers financial protection if you are sued or held legally liable for damages to another person, such as property damage, injury or negligence.

Let’s face it; we live in a litigious society where getting sued is more a right of passage than something that will never happen to you. What’s more is that being involved in a lawsuit is expensive. No one wants to have an unexpected outlay of that much cash, thankfully that’s what insurance is for! Liability protection will ensure that being involved in a lawsuit doesn’t ruin your financial future.

Depending on the details of your policy, liability insurance will often cover legal costs, and will also cover restitution including damages and/or the injured party’s medical bills, pain and suffering, lost wages, or death benefits.

Home Insurance and Renter’s Insurance Liability Coverage

When thinking of the coverage offered by a renter’s or home insurance policy, most people will immediately jump to coverage offered to fix things that are broken or damaged – but that’s not all that these policies include!

Home and Renter’s insurance often also includes liability coverage to protect against injury and damage to others in your home for which you are held liable. For example, this usually includes situations where someone falls or otherwise injures themselves on your property.

Massachusetts Auto Insurance Liability Coverage

Most states (including Massachusetts) require that a driver have a certain minimum amount of auto insurance coverage. This is to ensure that you will be covered if you are involved in an accident.

In Massachusetts, there are four required types of coverage when purchasing auto insurance:

Bodily Injury to others: $20,000 per person, $40,000 per accident
Personal Injury Protection (PIP): $8,000 per person, per accident
Bodily Injury Caused by an Uninsured Auto: $20,000 per person, $40,000 per accident
Damage to Someone Else’s Property: $5,000 per accident

Some of this coverage is to ensure that you are able to cover medical bills and property damage to another party if they are involved in an accident that is legally deemed to be ‘your fault.’ While we certainly never plan to be involved in an accident, it’s impossible to know when one will occur. More so, we don’t know whether our next accident will be a small fender bender or something more serious – that’s why the agents at Vargas and Vargas Insurance Agency often recommend that you carry more auto insurance protection than what is required by the state of Massachusetts.

Commercial Liability Insurance in Massachusetts

Businesses have a lot of moving parts. Whether you own a big or small business in Massachusetts, there is a potential that you will be held liable for damages by an employee, or even a customer. Thankfully, your business insurance will have built-in liability coverage for these situations as a part of your business insurance policy.

When speaking to your commercial insurance agent, make sure to ask about additional types of liability protection that your business may need, including EPLI, Product Liability Insurance, Indemnity Insurance, Directors and Officers (D&O) Liability Insurance, Errors and Omissions (E&O) Insurance, Cyber Liability and Data Breach, and more.

Get Umbrella Coverage for “Above and Beyond” Protection

So, how much liability protection do you need? There is no right answer, but the expert insurance agents here at Vargas and Vargas Insurance Agency agree: there’s no such thing as too much liability coverage. Thankfully, there’s an easy way to get this protection without increasing the coverage on each of your policies: get an umbrella insurance policy.

As discussed above, most policies have a liability component. The truth is that these are limited by the dollar amount set in the policy. Thankfully, umbrella insurance offers extra coverage that is very affordable. It offers a liability ‘umbrella’ on top of all of your existing policies. This means that if your costs or damages go above the original insurance policy’s limit, your umbrella coverage will kick in and ensure that you have added protection. This type of policy is available for both individuals and businesses, and the added protection is well worth the cost.

To talk to an experienced Massachusetts insurance agent about your liability protection, and to find out about our great deals on umbrella insurance policies, just call Vargas and Vargas Insurance Agency at 617-298-0655. We can get you a free umbrella insurance quote, or let you know where your liability coverage could use a little padding to ensure that your family or business is financially secure.

Hacks to Clean Your Car’s Interior

Posted on January 25, 2018January 19, 2018 by cvargas

It’s winter in Boston, and that means your car’s exterior is probably looking pretty dingy between all of the ice and salt that’s being thrown around. While this won’t change for another few months, nothing says that you can’t do something to make the interior of your car look new again.

Often, cleaning the interior of a car means a quick vacuum and not much else. This time, though, take an extra few minutes and use some of these hacks to go above and beyond your normal cleaning routine:

Your car’s air vents and dash console are probably pretty dusty. Grab a brush and a vacuum with a long hose attachment, and suck up the dust as you clean to prevent it from settling elsewhere.
If you have a pet, there is likely stray fluff on your seats. This is easy to remove with cheap squeegee!
Really want to get in the nooks and crannies? Use a toothbrush for dirt embedded in vinyl or to remove crumbs from the seams of your seats.
Often, floor mats get dirty quickly. Shake out as much dirt as you can, then throw them in the washing machine and let it do most of the work for you. You can also clean these mats with upholstery cleaner, it just requires a bit more elbow grease.

To further protect your car, call Vargas and Vargas Insurance Agency at 617-298-0655. We can review your Massachusetts auto insurance policy to make sure that you will be covered if anything happens to your (newly sparkling) vehicle.

Start Budgeting for Your New Addition

Posted on January 22, 2018January 19, 2018 by cvargas

Here at Vargas and Vargas Insurance Agency, we have clients in all stages of life – from new drivers to newlyweds to retirees, and everywhere in between. This article is for those of you that are growing your family tree. Children are a blessing, and it’s so important to be well prepared for their arrival. Here is some food for thought on budgeting for children of any age:

Babies and Toddlers: Babies can be expensive. In addition to the recurring expenses like groceries and diapers, you will have several one-time purchases including a crib, stroller, car seat, and more – especially if this is your first child.
Children: Kids grow quickly, so be ready to start a consistent flow of clothing. In addition, kids need to be entertained and enriched, so be ready to pay for field trips, summer camps, sports teams, music lessons, and more. This is also the time to start thinking about a college fund, if you haven’t already.
Teenagers: As children grow into teenagers, their toys only become more expensive. Buying them phones, tablets, and/or laptops isn’t cheap, but thankfully Vargas and Vargas Insurance is here for you to help with car insurance once they get a learner’s permit!

And remember, adding a child to your household is an event in your life worthy of a chat with your insurance agent. You will need health insurance for the child, and should probably increase or establish life insurance policies for the child’s providers. Call 617-298-0655 to speak with a Vargas and Vargas Insurance agent about how to get your insurance policies ready for your new bundle of joy.

Snow Safety: A Complete Guide

Posted on January 4, 2018January 2, 2018 by cvargas

Now that the New Year has arrived, we must face the fact that the snow isn’t going away any time soon. For the next few months, you need to make sure that you and your loved ones stay safe in the frigid Massachusetts temperatures. Here are links to a few blogs that we’ve posted over the years that can help make sure of that:

Prepare for Winter Storms – We see a few major storms every winter here in the Boston area. When one threatens, make sure that you are prepared by following these guidelines.
How to Shovel Snow Safely – Shoveling snow isn’t a coveted task, but if you get stuck with the chore make sure you perform it safely with these tips.
Tips for Driving in the Snow – You’ve probably got plenty of practice driving in the ‘white stuff,’ but there’s no harm in a little refresher. Brush up now, and forward the link along to a new driver you know!
The Potential Dangers of Melting Snow – It always seems like the snow will stick around forever, but one day the temperatures will warm up enough to start the yearly melt. Be ready for the risks of melting snow with a flood insurance policy.

And there’s one more bonus blog for you in this guide – Free Activities for Snow Days! There are days where snowfall and freezing temperatures make going to work (and school) impossible, so make sure that your family has a plan for the inevitable upcoming snow days.

Here’s the bottom line. Be safe in the snow, and make sure that you have the right Massachusetts insurance policies in place just in case you have to make a claim. To check on your home or renters insurance, auto insurance, and flood insurance policies, just call Vargas and Vargas Insurance Agency at 617-298-0655.

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