Click to Call Text Us
Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

 Get Directions

Uncategorized

Top 5 Causes of Winter House Fires

Posted on by cvargas

Winter is just around the corner here in New England. As we all prepare to celebrate the holiday season, your insurance agents here at Vargas and Vargas Insurance Agency want to make sure that all of our clients celebrate safely.

Winter Fires

With all of the extra holiday cheer comes a few extra risks when it comes to your home – specifically, you could be at an increased risk for a house fire. To lower your chance of dealing with a fire this winter, make sure that you’re careful with the following items:

Christmas trees and decorations.

If you’re going to put up a live christmas tree, make sure that you follow all of the proper safety protocol. If your tree starts to dry out, it is a huge matchstick in the middle of your home waiting to be lit. According to the American Christmas Tree Association, Christmas trees alone result in 13 million dollars worth of property damage annually, so check out the safety information on their website to be safe against house fires.

Old or faulty wiring.

There is a lot to plug in during the winter. If your home is older and has worn out wiring, or if you plug too many things into the same outlet, you may be at risk for a fire. Make sure that older homes have their wiring checked occasionally by a professional, and be wary about how much power you draw from each source. Try to distribute your power between outlets.

Unsupervised candles and flames.

Lit candles and fireplaces are a part of the holiday cheer. It’s certainly ok to enjoy these cozy accents, but make sure that you do so safely. Make sure that candles are on even surfaces, and never put anything near a lit fire. Also extinguish all flames when you leave the room – you should never leave flames unattended.

Heating equipment that isn’t properly used.

The weather outside may be frightful, but inside it’s delightful thanks to your home’s heating system and your trusty space heater. Again, using these items is ok as long as you do so safely. Follow all instructions in your equipment’s manual in order to avoid house fires.

Leaving the kitchen while cooking.

Winter is the season of entertaining, and there is one de-facto event of all winter get-togethers: a big meal! If you’re having guests over and cooking a big meal, you should be extra wary of all of the rules of the kitchen that will help you avoid a fire, the most important of which is to never leave your cooking unattended. These rules also apply to all other meals that you make, even if there are no guests involved.

Unfortunately, even if you enact all possible precautions, you are still at a slight risk for a house fire. To make sure that you and your family are financially protected in the event of a loss, make sure that you have your Boston home insurance policy evaluated by a Vargas and Vargas insurance professional.

Photo credit: zeze57 / Foter / CC BY-ND

Read More

The Best Things to Buy Used

Posted on by cvargas

When you need something, it’s up to you to decide whether you want to purchase something brand new, or if it’s ok to save some money and get something that has been owned by someone else. For some things, like food, mattresses, electronics, medical supplies and swimwear, buying new is the only true option. For other items, buying “used” is the way to go.

Buy Used

Here are a few examples of items that you can (and should) save some money on by buying them used or pre-owned:

Books and Entertainment

If you’re looking for something new to play with, you will often find that things you buy used will get you the same experience for less money. This is especially true when it comes to things like books (if you’re still reading the kind that has pages instead of buttons) and games (just make sure that it still has all the necessary pieces and parts).

Bonus tip: If you have an e-reader, you can get many books for free through the internet. Check out websites like Project Gutenberg and the Barnes and Noble Free Ebook page to see if you can find something you want to read, completely free of charge.

Clothing and Jewelry

There is no need to pay the ‘new’ premium for clothing and jewelry. Look in local thrift stores and at yard sales for clothing and accessories that you like – just make sure to check for wear and imperfections before buying. Also ensure that you wash items thoroughly before wearing them. There are a few exceptions to this advice, though: underwear, swimwear, and shoes should all be bought new, for hygiene’s sake.

Pets

Ok, we’ll admit that “Used” is a little bit of a harsh word when it comes to pets, but the premise is solid. Getting a ‘new’ pet from a breeder can be very expensive, and there are probably plenty of dogs and cats at a shelter near you that need a new family. Giving these loveable pets a home is a great thing to do, and it is also significantly cheaper than getting a premium, purebred puppy from a breeder.

Furniture

Want to replace or add a piece of furniture to your home? Don’t pay an arm and a leg at a furniture store – check out thrift stores and yard sales until you find an item that you can buy used that will fit in with your decor.

Houses

Don’t stop at furniture – buy your homes used too! While we understand that some people like the freedom of designing and constructing a new home, buying a pre-existing house can save you approximately 20% of the bottom line – that’s a huge chunk of change when you’re talking about something as expensive as a home!

It’s also important that you remember to give Vargas and Vargas Insurance Agency a call if you purchase a home or a car. We will work on getting you a home insurance policy that will protect your new (or “new to you”) items with premium coverage, and at a low price. Just call 617-298-0655 now for your free and no obligation quote.

Photo credit: reynermedia / Foter / CC BY

Read More

Rental Property Insurance: Being a Landlord

Posted on by cvargas

As experts in rental property insurance, we deal with a lot of landlords here at Vargas and Vargas Insurance Agency. This has lead us to one universal conclusion: not everyone is cut out to be a landlord. Owning a property that you rent out can be a great way to acquire income, but there are some aspects of the title that not every person is suited for.

Rental Property Insurance: Being a Landlord

If you’re thinking of purchasing a property in order to become a landlord, we encourage you to ensure that you’ve done your research before spending your money. Here are some of our tidbits of advice on how to be a successful landlord.

Prepare for the worst.

Being a landlord is not a purely financial transaction. If it were, anyone could do it! Instead, you will need to also invest lots of time and energy into your rental property. Don’t get into the business if you’re not prepared to deal with tenants that constantly have maintenance requests, or don’t pay their rent on time, or generally drive you up a wall with their issues. If you’re up for that, then you may just have what it takes to be a landlord.

Get your finances in order.

If you are ready to buy a property for renting, you need to check and double check your finances. Before you even think about choosing tenants you need to have the following things in order:

  • Accounting and recordkeeping processes
  • Tax information, including interest, mortgage, and expenses
  • Rental property insurance policy (With the help of Vargas and Vargas, of course!)

It is a good idea to recruit the help of a financial professional to ensure that you have all of your financial bases covered, and that you’re not missing anything important.

Formulate your paperwork and policies.

Make sure that you check all of your paperwork over with a lawyer to determine if you are following the proper local, state, and national guidelines. A lawyer can also help you set up an LLC so that you aren’t personally responsible for problems with the property.

You will also need a set of ground rules before you start interviewing potential tenants. Will you charge a late fee for rent? What is your ruling on pets? What hours will you accept phone calls? How often will you be dropping by to check on the property? You can always amend these rules later, but knowing what you will allow and what won’t be tolerated will save you headaches later down the road.

Check on your property.

Later down the road, when you have your property set up and occupied, you need to make sure that you check on it every now and again. This is the only way to know for sure that the tenants aren’t destroying your place or ignoring important maintenance issues. Some landlords prefer to drop by unannounced so that they can see how their tenants live without being able to clean and prepare for a landlord’s visit.

If you’re sold on the idea of becoming a landlord, you need to call 617-298-0655 to speak with a Vargas and Vargas Insurance representative about your rental property insurance policy. We can get you a policy that will protect your new investment without causing you to budget for exorbitant insurance expenditures.

Read More

Medical Insurance: Inclusions and Exclusions

Posted on by cvargas

Do you know what your medical insurance

You know that you need a medical insurance policy, but do you know what your policy covers? Do you know what events and illnesses aren’t covered by your Boston health insurance?

While all policies have slightly different coverage based on the premium amount, the insurance provider, and other factors, the basics of a health insurance policy are typically the same.

What does a typical health insurance policy include?

As you would probably expect, health insurance covers most of your doctor’s visits. The most important of these is your annual physical with your general physician. In addition, your insurance should cover additional visits to other specialty doctors, including a dermatologist, podiatrist, optometrist, and more. The obvious exclusion to this list is your annual (or bi-annual) visit to the dentist, which would be covered by a separate dental insurance policy or dental insurance rider.

A health insurance policy will also typically include coverage for vaccinations. This includes those that you get at the doctor’s office and those given at a drugstore, like the flu shot. Your medications and prescription drugs will also typically be at least partially covered through your insurance policy.

The final coverage included in most Massachusetts health insurance policies is for emergencies. Trips to the emergency room are at least partially covered under nearly all health insurance policies, so rest assured: if you have a medical emergency, you don’t have to worry about your money in addition to your health.

What won’t my medical insurance cover?

Unfortunately, having a health insurance policy doesn’t guarantee you coverage for all health-related expenses. Here are a few examples of things that most policies don’t cover:

Deluxe Hospital Services: Your insurance will probably cover at least some of your surgery, but don’t expect it to cover hospital dry cleaning, or on demand tv while in your recovery room.

Court Ordered Tests: If you are ordered by a court to have a test done (for example, a genetic test) the fee for this test will come out of your own pocket.

Elective Cosmetic Surgery: If you want to get some Botox, a facelift, or a rhinoplasty, your insurance isn’t going to pay for it out of the goodness of their hearts.

Experimental Tests or Procedures: If you want to take part in an experimental treatment for a condition, you’re going to have to do it at your own risk, and on your own dollar.

Artificial Conception: If you’re having trouble conceiving, it’s not really a health risk. Your insurance company won’t pay for any fertility treatments, or artificial conception.

If you would like to know exactly what your Boston medical insurance policy does (or doesn’t) cover, all you have to do is call Vargas and Vargas Insurance Agency at 617-298-0655. An agency representative would be happy to review your policy and tell you what your policy will pay for, and what you should expect to have to pay for out of your own pocket. If you are unhappy with your current coverage, we can also get you a free quote on a better, more comprehensive health insurance policy.

Photo credit: Dr.Farouk / Foter / CC BY

Read More

10 Fun in the Sun Activities

Posted on by cvargas

Summer is a great time to make memories with your family. It’s easy to lounge around watching television for days on end, but make it a point to venture out a few times and have an adventure. The stories and photos that you bring back home will likely last a lifetime.

10 Fun in the Sun Activities

If you need a few ideas for how you can get your family’s escapade started, check out this handy list from the staff at Vargas and Vargas Insurance:

Fun in the Sun Activities:

Enjoy an Outdoor Concert – There are a ton of outdoor concerts in Boston during the summer. Mark your calendars and check one out! They take place all over the city, including at the public library, city hall, and at the Boston Harbor Hotel.

Visit a Fair or Flea Market – When it starts getting warmer, fairs and flea markets start popping up like weeds. Treat your family to a day of fried foods and carnival rides, or snoop out a flea market in your area for specialty shops and artisan crafts.

Host a Barbecue – Bring together your friends and family this summer with a grilling party. You can set up games in your backyard, and serve up a ton of different grilled delights that are sure to please a crowd. Just make sure that you’re prepared before you fire up!

Start a Lemonade Stand – This is an age-old activity that kids love. For only a couple dollars, you can occupy your children for hours. To stretch your activity time, have them decorate their own sign, and make the lemonade from scratch. Also make sure that you ask your neighbors to drop by and support your children!

Exercise Your Green Thumb – Summer is the perfect time to spend starting a garden in your backyard. There are a ton of benefits to growing your own garden, and it’s possible to start a garden in even the smallest of spaces.

Visit a National Park – Did you know that there are 15 national parks in the state of Massachusetts? Take a day trip and visit one with your family. With all of the available choices, you are bound to find something that everyone can enjoy!

Visit the Beach – This summer activity will never go out of style. There’s something for everyone at the beach. Some people love to relax and read a good book, while others would rather swim and play volleyball. Whatever activity you choose, make sure that you protect your skin from the sun’s harsh rays!

Watch the Perseid Meteor Shower – If you’re willing to get up early, you can witness quite a show come August 12th and 13th. Around 4am, our area could see up to 80 meteors an hour thanks to the Perseids – one of the best meteor showers of the year!

Cheer on the Sox at Fenway – In July and August, Fenway Park is set to host the Yankees, the Rats, the Mariners, the Diamondbacks, the Orioles, and the White Sox. With 24 home games over the two month period, there are plenty of opportunities for you and your family to spend a day at the ol’ ball game!

Try out Geocaching – Want to try a new and exciting activity this summer? Geocaching is a hot new fad, and all you need is a smartphone and a sense of direction, and a desire for adventure!

At Vargas and Vargas Insurance, our summer motto is “Work hard, play hard.” We will be enjoying these activities while the weather is nice, but we’ll still be available to help with all of your insurance needs. Just call 877-550-0025 to get an insurance quote, manage your policy, or report a claim.

Read More

Have a Car Accident? Follow These Nine Steps

Posted on by cvargas

There is no way to predict if or when you will get into a car accident. Help to prepare yourself ahead of time by becoming familiar with the steps you need to take if an accident occurs.

Have a Car Accident? Follow These Nine Steps

Many people get flustered or overwhelmed when they are in a car accident. If you’re afraid that this will happen to you, consider printing out this list and keeping it in your car’s glove compartment for easy reference.

1. Identify Injuries

Your first priority when an accident occurs should be seeing if there are any injuries. If anyone involved is injured, call an ambulance as soon as possible.

2. Notify the Police

Once everyone that was involved in the accident has been taken care of, it is time to inform the police of your accident. Later, when you speak to your insurance agency about your accident, you will probably need to have a police report available.

3. Help the Injured

While you wait for police or medical assistance to arrive, do what you can to comfort anyone that was injured in the collision. One common ailments caused by car accidents is shock, which can be helped by keeping the person warm by covering them with a blanket.

4. Survey the Accident Scene

Make sure that you take the necessary steps to protect your vehicle from further damage. If it is safe, move it out of the roadway. If you have them, you can use flares to warn other drivers of your presence. At this point, you may also want to call a tow truck. It often takes tow companies a while to reach you, so starting the process early will cut down your waiting time later.

5. Speak to the Police

Once the police arrive, you will have to provide them with information about yourself and the accident. Try to stay calm, and provide answers to their questions to the best of your ability.

6. Ask About the Accident Report

When the officer’s questions are answered, inquire about how and when you can get a copy of the accident report, as it will be a key piece of your car insurance claim.

7. Get Proper Notes and Documentation

Before you leave the scene of the accident, you need to make sure that you have a few key pieces of information about the accident. This information includes:

  • Names of all drivers involved
  • Their drivers license numbers
  • Their auto insurance IDs
  • License plate numbers of all involved cars
  • Make and model of all cars
  • Names and addresses of any witnesses
  • Name and badge numbers of police officers

8. Make Arrangements for Your Vehicle

If your car needs repairs, have it towed to a repair shop. Remember, though – you shouldn’t have any repairs done until after you speak to your insurance agent! You will likely need to have your vehicle inspected and damages appraised before you can have repairs approved.

9. Call Your Local Insurance Agent

Once all the above steps have been taken care of, it’s time to inform your insurance agency of your accident. If you are a Vargas and Vargas Insurance customer, you can do this by calling us at 877-550-0025 or by filling out our online claim form.

Read More

Why Do We Celebrate The 4th Of July?

Posted on by cvargas

Independence Day isn’t just a great movie – it’s the celebration of the adoption of the Declaration of Independence back in the year 1776. In the first few years of its existence, Independence Day was celebrated by 13 gun salutes, parades, official dinners, and fireworks. 

Why Do We Celebrate The 4th Of July?

Today, not all that much has changed in the way that Americans celebrate the 4th of July. It has been a national holiday since 1870, and at Vargas and Vargas Insurance, our employees will be taking advantage of their day off with picnics and barbecues, red white and blue themed family get-togethers, parades, and (of course) fireworks shows. The week surrounding July 4th is noted as one of the busiest travel periods in the US!

How do you and your family plan to celebrate America’s 237th birthday?

The Massachusetts Firework Law

Some states, including Massachusetts, prohibit the sale and use of fireworks. The Massachusetts Fireworks Law (MGL Chapter 148, S. 39) states: “No person shall sell, or keep or offer for sale, or have in his possession, or under his control, or use, or explode, or cause to explode, any combustible or explosive composition or substance, or any combination of such compositions or substances, or any other article, which was prepared for the purpose of producing a visible or audible effect by combustion, explosion, deflagration, or detonation.”

The fireworks law also states that possession or use of fireworks will be punishable with confiscation of the fireworks, and a fine of $10-$100. This includes fireworks that were purchased lawfully in states like Connecticut or New Hampshire and brought over Massachusetts state lines illegally.

Firework Displays in the Area

Don’t risk the consequences of backyard fireworks – just the potential of a home insurance claim isn’t worth the trouble. Fireworks set off at home have been known to cause fires in dry, grassy areas, and can also sometimes veer off course and start a blaze in or around nearby homes.

Even with a backyard fireworks show out of the question, there are plenty of professional displays in our area that you can attend. If you want to find a display in your area, check out this list of events courtesy of bostoncentral.com.

Also, don’t forget about the Boston Pops Firework Spectacular! This year marks the 40th of their July 4th Spectaculars, and the show promises to be fun for the whole family. If you can’t make it to the show live, it will be broadcast locally on WBZ-TV for your viewing pleasure.

Independence Day Activities for Kids

For our readers with children, there are many activities that you can do with them on July 4th. Here are five fun and creative ideas to get you started:

As you can see, there are many great options on how you can celebrate Independence Day this year in the Boston area. Whatever you and your family decide to do, remember to be safe and have fun!

Remember to give us a call at 877.550.0025 for your insurance questions and needs.

Read More

Four Steps to Financial Success

Posted on by cvargas

Everyone wants to be smarter with their money. It is one of the most common New Year’s resolutions, and (just like exercise and weight loss) is often abandoned in no time flat. 

Four Great Steps to Financial Success

While there is no true outline of exactly how you can succeed at spending less and saving more of your hard-earned money, here are four great steps that you can follow to get yourself in a financially responsible mindset:

Financial Success – 4 Steps:

1. Figure out your true goals.

Many money goals are very general. While a general goal is a good place to start, it’s important to sit down and take the time to iron out your financial desires. Instead of just saying “I want to save more of my money,” specify what it is you’re saving for, and quantify your goal with a number or percentage. For example:

  • “I should put 5% of my take-home pay into a retirement fund every month.”
  • “I want to save $3,000 for a vacation in two years.”
  • “I need to save $100 every month for my children’s college fund.”
  • “I ought to have nine months to one year’s living expenses in my emergency fund within the next five years.”

When you have a clearly defined goal, your next steps in the process will be easy. 

2. Compare your goals to your lifestyle.

Now that you have a clearly defined goal, it’s time to evaluate what sort of lifestyle changes you need to make in order to achieve it. Take, for example, the vacation goal from above. If you want to sake three thousand dollars in two years, you need to save approximately $175 a month. Take a look at your normal monthly spending and find a few places where you could cut back your spending.

3. Take baby steps toward change.

One of the biggest mistakes that people make when working toward a goal is making too many changes too quickly. Instead of going cold turkey, make changes gradually. 

Instead of fully cutting out your daily premium coffee, limit yourself to a few visits a week to your local barista. As you familiarize yourself with the taste of a home brew, make your caffeine runs less and less frequent over time.

The same principal goes for all money saving habits that you want to implement, including: 

  • Eating out less
  • Quitting smoking
  • Spending less on shopping trips
  • Paring down your entertainment budget
  • Using more coupons

As you slowly develop these money saving habits, you will see yourself come closer and closer to achieving your financial goals!

4. Celebrate your progress!

As with any achievement, it is important that you give yourself a pat on the back once in a while. The sacrifices made in order to become financially responsible aren’t easy, but they will allow you to be more successful in the future.

Reinforce your good financial behavior by celebrating your accomplishments. Share your victories with friends or family, or allow yourself to splurge a bit when you attain your goal.

Also remember – these four steps will help achieve small goals. Sometimes, though, professional assistance is necessary. If you need some more help with your financial planning, please call 877-550-0025 to speak to a professional financial advisor for extra help with estate planning, annuities and stocks, and much more. 

Read More

Are You Ready to Grill this Summer?

Posted on by cvargas

Are You Ready to Grill this Summer?It’s that time of year again, folks! If you didn’t break out your tongs and spatulas for Memorial Day a few weeks ago, the Fourth of July is quickly approaching. Here at Vargas and Vargas Insurance, we love to spend an afternoon outdoors, and it’s a proven fact that all hot summer afternoons are made better by food served hot off the grill. Are you ready to grill this summer?

Try these Delicious Recipes!

If you’re tired of serving up the same hot dogs and hamburgers every time you grill, it might be time to look for some new recipe ideas. Allrecipes.com is a great place to find new and fresh ideas, as it has some great BBQ and grilling recipes. The Food Network website also offers a vast selection of grilling ideas, including a great article about 50 Things to Grill in Foil.

Don’t forget that you can cook your desert on the grill as well! Almost any fruit can be grilled when you follow the right directions – for starters, try out this grilled fruit recipe from NPR!

Grilling Tips and Tricks

  • Marinades help to tenderize meat. If you can, marinade your meat overnight or for a few hours prior to it hitting the grill.
  • Salt draws moisture out of meat, so don’t add salt to your meats until after it is cooked.
  • If you’re grilling up skewers, there’s a trick to getting the correct doneness. If you want well or medium-well, space out your items on your kebab. If you’re looking for a medium or medium-rare doneness, pack your items together.
  • Want to cook the perfect steak? Use this guide to learn how to test your steak’s doneness without having to slice into it!
  • For delicious, juicy meat, always allow it to rest before you serve it. It may be tempting to serve steaks as soon as they’re done grilling, but letting them sit for a few minutes before cutting into them allows their juices to redistribute.
  • Need to clean your grill? Wait until the grates are warm – it’s much easier to clean warn grates than cold ones!
  • Remember – grilling (and cooking in general) is all about trial and error. Experiment until you find flavors that you and your friends love!

Keep Your Friends and Family Safe

Grilling is a great way to bring people together. Just make sure that you are following the right safety procedures when you grill. It doesn’t matter whether you are grilling dinner for two or having a backyard bash for the whole block – safety should be your #1 priority.

  • Do your grilling in a safe location. Make sure that you keep a safe distance (preferably at least 10 feet) between your grill and your home or any trees, or you could have a home insurance claim on your horizon!
  • When you are setting up your grilling area, ensure that you have all of your tools situated before you begin grilling. Also make sure that there is a first aid kit within reach, just in case.
  • Make sure that anything that touches raw meat (hands, utensils, plates, etc.) gets thoroughly washed.
  • In case your grill flares up, always have a spray bottle of water nearby.
  • Never leave meat at room temperature for more than one hour.
  • Check yourself. No one wants to eat undercooked meat, so use a thermometer to ensure that your foods are cooked to the proper temperatures.
  • If there are children present in your cooking area, establish a zone around your grill where they are not allowed to play. If it helps, use a bit of twine or a few jump ropes to establish a physical line that they may not cross.

We hope that you have enjoyed these grilling tips and tricks, and that they will help to make your Fourth of July cookouts more special than ever, and stay tuned to our blog for a Fourth of July fireworks article coming up soon!

Photo credit: Aaron Paxson / Foter.com / CC BY-ND

Read More

Carpenter Ants: America’s #1 Pest

Posted on by cvargas

Carpenter Ants: America's #1 PestDid you know that the third week in June is Carpenter Ant Awareness Week? These troublesome insects have been declared the number one pest in the United States – and for good reason! If your house is home to a nest of carpenter ants, they can cause huge amounts of structural damage before you even realize that they’re there!

Prevent an ant infestation:

Carpenter ants make their nests by burrowing into wood. When wood is moist, it is easier for the ants to make a home in your territory. If you want to deter ants, make sure that you use the following tips:

  • Repair roof and plumbing leaks in a timely manner.
  • Clean gutters regularly to ensure that water does not infiltrate your walls.
  • Tightly seal areas where pipes and wires enter your home, and regularly check your home’s foundation for cracks.
  • Eliminate wood to soil contact in and around your home.
  • If you use firewood, don’t store it directly on dirt (raise it with a nonorganic material like bricks), and always examine it before bringing it indoors.
  • Trim trees and bushes so that they do not touch your home’s roof or siding. Branches can easily serve as an ant’s bridge into your home.

By performing this maintenance around your home on a regular basis, you can help yourself avoid a huge headache in the future. Chores like these can be a little time consuming, but it’s only a fraction of the time that you would spend trying to get rid of a nest of ants that have burrowed into your home!

Keep an eye out for these signs:

Even if you follow all of our preventative tips, there’s a chance that a stubborn bunch of ants may make it into your home. They can hide out in your walls and ceilings for years without being noticed, so keep your eyes peeled for these warning signs:

  • Rustling or crunching sounds in your walls: These sounds are often made when carpenter ants are excavating, and can sometimes be heard through walls and ceilings.
  • Damaged wood in your home: If you find any wood in your home that looks like it has been tunneled by some pests, there’s a good chance that you have a problem.
  • Inexplicable sawdust: Carpenter ants often leave little piles of frass (a material similar to sawdust) around as they burrow into your wood. If you find any frass around, look for the tunnels they may have come from.
  • Winged carpenter ants in your home: The ant’s colonies typically live within your wooden structures, but they will sometimes send out scouts to look for new places to nest.

If you see signs of a possible infestation:

Have you seen any of the warning signs from the list above? If you have, it’s time to consult a professional. Call a local pest control company, and see what they say. They have the experience needed to evaluate your home’s pest situation, and will be able to offer you potential solutions if you do indeed have a problem.

Remember – a carpenter ant problem is not something that you should ignore. They will eat away at your home, and will cause more and more structural damage the longer you allow them to exist, so nip your dilemma in the bud!

Make sure that your home is protected:

Don’t wait until it is too late – make sure that you’re insured in case your home suffers structural damage. Make sure that your home insurance covers these (and other) vermin by calling Vargas and Vargas Insurance at 877-550-0025. We’ll review your policy and ensure that you have the right coverage for life’s potential troubles.

Photo credit: sanchom / Foter.com / CC BY

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