The city of Boston has been destroyed by large blazes multiple times. The first devastation of fire occurred in 1631; just one year after Boston was officially established.
Here are a few tips to keep you from having to file a fire damage claim on your home insurance.
The first thing you should cement in your mind is to never leave a flame burning where it cannot be seen. Enjoying an aromatherapy session with some scented candles? Even if you need to leave the room for just a moment, blow them out. You never know if something will delay or distract you from returning immediately.
Keep pets, especially agile cats, away from lit candles, scented oil burners, and other open flames. They could bump or knock over the materials, causing a fire that could have been avoided. On the same train of thought, teach your children proper fire safety. Flames and the resulting smoke can be very dangerous.
In case a fire does occur, despite your best efforts to handle flames safely, make sure you have up to date insurance in Boston, MA. Boston boasts median home values above $100,000.
Without coverage, how would you repair or rebuild your home after a fire ravaged your property? Avoid this potential financial burden by requesting a free insurance estimate today and putting your coverage in place.
With Vargas & Vargas Insurance, you can get the coverage you need for your home. Click here to contact us today for more information!
Stay safe and protect your home this winter by preventing your pipes from freezing.
Fall may be in full swing, but for Northeasterners, winter weather is already here. This puts homeowners on high alert as lengthy periods of sub-freezing temperatures means an increased risk of pipes freezing and bursting. Damaged pipes are not merely an inconvenience. They can cause serious damage to a home’s integrity. Fortunately, preparing your house for icy weather can prevent these unfortunate scenarios from occurring. Reducing the risk of frozen pipes is just one of the ways to keep your home ready for winter.
Why Are Frozen Pipes Dangerous?
Water expands when it freezes. This puts excess pressure on pipes and can cause them to crack or burst. Preventing pipes from freezing in the first place will keep your pipes intact and protect your home from damage.
How Can You Prevent Pipes From Freezing?
Prevention is the first step. Take these steps to reduce the risk of frozen pipes inside your house and frozen exterior pipes:
Turn off all outside water sources.
Keep your house warm. Program your thermostat and leave it at the same temperature day and night, even when you leave.
Open the cabinets in the bathroom and kitchen to allow warm air to circulate around the piping.
Keep your garage doors closed. Cold drafts and wind increase the likelihood of pipes freezing.
When the weather gets exceptionally cold, let water drip from the faucet. This can relieve pressure in the pipes and keep the water moving.
If you won’t be home for a long period of time, turn off the water supply line to your washing machine.
Cover pipes with insulation or other products meant to insulate them.
Have a friend walk through your home regularly if you will be away for an extended period of time.
Clearly label the water supply line so you can easily identify it later. This can help you turn it off quickly if an emergency ensues and it needs to be turned off.
What Should You Do If Your Pipes Freeze?
If your pipes freeze, there are several steps you can take to minimize the resulting damage. These steps include:
Keep the faucet open. As the ice starts to melt, the flowing water will help the rest of the ice melt.
With a space heater, heating pad, or heated towels, apply warmth to the frozen length of the pipe.
Never use an open flame, such as a blow torch or propane stove, in an attempt to warm the pipes.
If you do experience damage to your home due to a frozen or burst pipe, rest assured that our team at Vargas & Vargas Insurance will be on hand to assist you. Contact us today to learn more about our policies or for help protecting your home.
Our society has become enthralled with the concept of “do it yourself” or “DIY.” So much so that entire industries have grown up around the idea that anyone, anywhere, with access to tools, materials and knowledge, can do just about anything they set their mind to.
This DIY mentality extends to our home. Repairs, renovations and other home improvement projects abound in this mindset.
The traditional craft of repair and renovation has been upended with this modern consumer concept. Imagine you’re an electrician and you’ve entered a Big Box Home Hardware store. As you walk down the aisle filled from floor to ceiling with electrical supplies of all types, you see a person standing in front of a display of electrical outlets. This person clearly is not an electrician, and clearly is struggling with the selection of the appropriate outlet which you’re pretty sure they’re going to attempt to install themselves.
Imagine the horror in your mind as that electrician thinking of the potential visit to the Emergency Room for that person when the wrong wire gets crossed.
And, yet, these traditional industries still thrive. The reason? No amount of online videos, tutorials or DIY books can replace the wisdom that comes from specializing in a task and learning the “tricks of the trade from experienced professionals.
If you have trees on your property, it’s your responsibility to think about the maintenance of those trees to protect your home in the event of a severe storm that could topple in close proximity to your house.
If you’re thinking about trimming, or even taking down trees for that maintenance and protection. Should you do it yourself?
The best way to answer the question is to watch a professional tree-trimming crew in action. You’re likely to very quickly realize that such work…taking down or trimming a tree…is best left in the hands of the experienced professionals.
Those “tricks of the trade” that come from the traditions and wisdom handed down in the craft become very quickly obvious as you watch the crew scale up a tree and easily slice away branches and limbs. And then when they have to take down an entire tree, the process seems at once intricate and yet elegantly simple.
Yes, sometimes it’s really best to not do it yourself and to leave it to the professional.
One of the most FAQs we receive is when a tree falls on your property but doesn’t hit your house or any physical structure, there is no insurance coverage to pay for the removal of the tree.
Call us for any recommendations you may need to help with your home improvement projects.
Most people fall into one of two categories: They either own their home or they rent it.
If you rent your home, you don’t need a homeowner’s insurance policy.
You need what’s called renters insurance. This type of insurance policy will ensure that you have the right coverage when you need it the most.
We’ve outlined below how homeowner’s insurance and renter’s insurance are similar and and how they differ. Here is our quick summary:
Property Protection
When you rent your home, you don’t own the physical property. As a result, you are not responsible for insuring the property. Instead, the insurance policy is the responsibility of the property owner.
This means that if there is damage to any part of the exterior and interior of the property including walls, ceilings, floors, doors, or windows, you are not responsible for filing or paying for an insurance claim.
Coverage for Belongings
Similar to a homeowner’s insurance policy, a renter’s insurance policy provides coverage for your personal belongings. You need to take inventory of your belongings to give an estimate on what it would cost to replace your belongings.
When you make your home inventory, make sure that you include everything that you own, including items like electronics, furniture, clothing, and jewelry. Also include any of your own personal appliances that are not owned by your landlord or apartment complex. That way, all of your stuff will be protected against perils like fire, smoke, theft, water damage, and more.
We recommend keeping the receipts of high valued items. We also recommend storing photos of each of your rooms so you have documentation of your belongings. This will help to ensure that you are covered in case of a total loss, but aren’t overpaying for coverage that you don’t need.
Reimbursed Living Expenses
If something happens to the place where you live, your renter’s insurance typically covers your living expenses for a comparable place until the damage is repaired and your home is once more inhabitable.
If your rental home or apartment is destroyed or deemed uninhabitable, call your insurance agent right away to find out what you should do so that reimbursement is allowed.
Liability Insurance
Another type of coverage that is typically included in both renters and home insurance is liability insurance. With this coverage, you are financially protected from the costs that rise if someone is injured at your home.
Depending on your insurance provider and the policy that you choose, this can include both medical costs and legal costs, which can get very expensive, depending on the injury sustained.
As always, all of the information above depends on your insurance provider and your specific policy.
We search several insurance providers to find the one that will give you the best coverage at a price that works for you and your budget.
Cost?
On average, the cost of a renters insurance policy is $120.00 per year for $10,000 of contents, including loss of use and liability coverage, Click here for more details) in Massachusetts.
If you package your automobile insurance policy with your renter’s insurance, most times, the savings by doing so more than covers the cost of the renter’s policy.
If you have any questions about the coverage included in your current policy, or if you need a new top of the line renters insurance policy quote, please call 617-298-0655 to speak with a representative here at Vargas and Vargas Insurance Agency.
It’s Autumn; you know what that means! “Spring” towards those clocks and “fall back” an hour!
This year, Daylight Savings Time ends at 2 a.m. on November 3rd.
Turning back the clocks is a great reminder for some basic security measures to protect your home.
Smoke Detectors: Do a survey of your smoke detectors to ensure you have sufficient safety coverage around your house. Change the batteries. Generally speaking, smoke detectors should be placed inside bedrooms and in hallways near to sleeping areas. You should also have smoke detectors strategically placed in your basement within a reasonable distance to your furnace.
The more smoke detectors you have, and the better-placed they are, the chances of early warning and survival in the event of a fire increase dramatically.
You might also consider at this time installing carbon monoxide detectors, definitely in your basement near to the furnace area, but also near windows and doors that either lead to indoor garages or face onto close proximity driveways. Car idling can quickly lead to carbon monoxide buildup that seeps through windows and past doorways to cause lethal harm.
Password Review: In our modern technological age, we recommend adding a password review protocol to your “Turn Back Time” routine. In general, you should change passwords more frequently than once a year, but we’re often too busy to accomplish this. So, at least spend some time to update your password security this November 3rd. Check your security challenge questions on websites and definitely consider implementing a Two-Factor authentication.
Annual Insurance Review: We would be remiss if we didn’t mention that this is another great opportunity to consider calling your agent and scheduling an appointment for your annual insurance review. Things change each year with life and with the insurance carriers. It is your responsibility to know how your insurance portfolio is structured.
Once you’ve run around on November 3rd getting all that done, you’ll be exhausted for sure! Not to worry, you’ll get an extra hour of sleep this weekend!
Renter’s insurance is an important thing to have, no matter what stage of life that you are in. There are many misconceptions about renting, and some Dorchester, MA area residents wrongly think that their landlord’s insurance will cover their possessions if anything should happen to their rental unit. The Vargas & Vargas Insurance team is here to help you learn more about the options that are available to you. Renter’s insurance is something you hope you won’t need but are grateful it’s there if you do!
3 Reasons You Need a Renter’s Policy
The landlord’s insurance will only cover damage to the building itself. Damage that occurs within your unit will not be covered by your landlord’s policy, as typically, they only cover the building structure and common areas.
A comprehensive renter’s policy will cover your items from theft, even away from your apartment. A good renter’s policy will protect you from the theft of any covered articles if they are stolen. In many cases, this also includes losses that occur away from your home.
Your belongings may be worth more than you think. Many renters skip insurance because they don’t think that they have anything of value that requires coverage. This is rarely the case, as most people’s electronic devices add up to a healthy amount! Also consider all of your clothing, sports equipment, household items, and furniture. Your belongings may be worth a lot more than you initially thought.
If you are living in a rental unit without insurance, now is a great time to find out more about the options that are available in the greater Dorchester, MA area. Call or stop by Vargas & Vargas Insurance today and meet with one of our helpful and knowledgeable local insurance agents.
There is no doubt that the beauty of the autumnal leaves is a highlight of the season. But such splendor can mask danger.
Those same beautiful leaves can be dangerous once they hit the ground! Fallen leaves can cause slippery conditions because they contain a large amount of water.
Fall is also a time when we experience the first frost,which can add to the slippery surfaces. As the temperature drops, the wet leaves can freeze with a thin layer of ice creating hazardous conditions.
In addition, during the fall, the sun rises later, sets earlier, and often brings foggy days. This limited exposure to sunshine does not allow for wet/frozen leaves to dry out and pathways and walkways are now dim. All can contribute to a greater potential for accidents.
School is in session and children are walking out and about, your postal worker delivering your mail, and of course come Halloween “trick or treaters” will be traversing your property.
These are all potential liability claims should they slip and fall on your property. It only takes one false step to become the victim of a “slip-and-fall”accident.
Avoid any chance of injury to yourself or others by clearing walkways and driveways of all fallen leaves, and ensure that they are well lit. If you currently use landscape lighting on a timer, be sure to reprogram your timers in anticipation of the end of daylight savings time.
Protect your family and yourself against these all too often occurring accidents by reviewing your Massachusetts homeowner’s insurance coverage with your agent today. Call us at 877.550.0025.
Electricity flows all around us, yet we are so inured to the wonders of electricity and the conveniences it brings that we too often take for granted the hazards of electricity.
When we see a video of a lightning strike, we’re amazed, and maybe a little frightened. But that very dangerous electrical connection that can cause bodily harm and property damage is literally all around us, everyday.
Here are five electrical hazards in your home to be aware of and to check and prevent against catastrophe.
Extension Cords. Electricity seems so safe as we go through our days using it. We plug away with nary a thought of the dangers of electrical shock or fire. Extension cords are the best, and worst, example of our thoughtlessness about electricity.
You find yourself in need of an outlet to plug in your phone charger, vacuum cleaner, a lamp, or cordless drill charger. “Oh! There’s an extension cord right here!” Never mind that cord is loaded with other plugs, and the cord is plugged into another extender from one to three outlets back at the wall plate. So much electricity drawn through such a receptacle builds heat very quickly. It’s the heat that causes the fire, not an electrical spark.
Water Hazards. We have electrical devices and connections we’re using very close to water sources all through our homes. In the kitchen, the bathroom, laundry room, in work rooms, outlets and extension cords and appliances in close proximity to water is a recipe for disaster. The Ground Fault Interrupt (GFI) outlet was designed to minimize these hazards. This outlet has a tripping circuit breaker built into it so there is no delay from the moment a hazard/overload is detected and the source of electricity is shut off. That could be the difference between life and death.
Kids and Pets. You can’t control either one. But you can take extraordinary precaution to prevent the hazards associated with rambunctious little ones. Install tamper-resistant outlets and outlet covers to prevent children’s access with sharp point metal objects. Secure extension cords in such a way to prevent pet nibbling access. Use heavier duty extension cords.
Coffee machines and similar appliances. These devices use high heat to brew or cook. Left unattended and with no beverage/food product left in the device can soon lead to overheating and burning and fire. Be sure your coffee machines and other self-cooking appliances have automatic off features.
Battery-Less Smoke Detectors. Smoke detectors save lives! We often recommend you check the batteries at least once a year and replace with fresh batteries. But checking more often can’t hurt, either.
Please check out our other blogs on 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.
Have you ever read an insurance contract? Not many have.
However, this voluminous document has everything you need to know about your insurance coverage and is essential in the event of a claim.
There is a short cut: The Declarations Page.
This document outlines and summarizes your insurance coverage. And it’s easy to read and only a few pages. It’s also key to determining if you have adequate coverage at an affordable price.
Policy Number and Policy Period This is the top of your policy. If you need to speak to your Independent Insurance Agent about your policy, you should direct your attention to this section at the outset of your conversation.
The policy period also helps for you to mark your calendar so you can be reminded of your annual review.
Maybe your credit score is improved or maybe your kids are grown. These are just a couple examples of life events that can occur that warrant an annual insurance review.
In addition to lifestyle changes, there is the likely possibility that insurance carriers have revamped their policies. You may be eligible for new discounts or more competitive pricing.
Coverages and Premiums. The different coverages of your policy are presented line-by-line with the attendant premium in the right column, or in some cases, the discount in a line item, such as a security device.
The coverages are accompanied by the coverage limit. For your homeowner’s policy for example, the dwelling limit will show what your house would cost to be replaced. Notice your liability limit. This coverage limit should never be lower than the value of your home.
Total Annual Premium. Down at the bottom of the page is the TOTAL PREMIUM for your Insurance Policy. Usually this will show as an annual number, although that may be different depending on your payment plan for the policy. You can also see different payment options for your premium; some insurance plans give you discounts depending on the frequency of payments.
These declaration pages will help when it’s time to review with your independent agent. Know your coverage, know your renewal date so you can discuss with your agent if your coverage is maximized and your premiums are competitive.
As Halloween approaches, it’s time to think about what you or your little ones will wear for the big holiday. It’s exciting to wear a costume, but when you’re out shopping, make sure that you follow these costume guidelines so that you and your children can have a sweet and safe holiday:
Make sure that your costume fits properly – When choosing a costume, make sure that you purchase the right size. As with clothing, costumes should be snug without being too tight. Make sure there are no tripping hazards, such as pants or dresses dragging on the ground.
Look for costumes that are flame resistant – Candles are a great way to set a spooky atmosphere, but they are a huge risk when wearing a costume. Ensure a costume is safe by checking to make sure that the outfit is flame-resistant.
Ensure proper visibility – If a costume requires a mask, make sure that they can see properly. This may mean altering the mask so that the eye-holes are larger, or opting for makeup instead of a mask. Remember, though, to always do a patch test on costume makeup before Halloween night.
Wear sturdy and comfortable shoes – It doesn’t matter if you’re trick-or-treating or going to a party, everyone should wear the right shoes for Halloween. Little ones may fight you on this one, but they will be miserable after just a couple of minutes of walking in other shoes. If they insist, bring a pair of comfortable sneakers and socks as a backup.
Avoid dangerous accessories – If there is a sword, broom, or other accessory that goes with your child’s costume, make sure that it is pliable, and will not injure your child if they fall on it. It also helps to make sure that accessories are lightweight and east to carry.
Make sure drivers can see trick-or-treaters – A big part of Halloween safety is making sure that you and your children are visible to drivers while you’re out and about. Children with bright costumes should be easy to spot, but dark costumes may need a little work to make them visible. Have children with dark costumes carry a colorful treat sack, or strategically affix reflective tape to their costumes.
Don’t overlook Halloween weather – Remember, it’s usually pretty chilly in Boston on Halloween night. Historical temperatures show an average high of 56 and a low of 42. Make sure that you and your children don’t feel that chill by choosing warm costumes, or wearing long underwear. Go out earlier to avoid the nightly temperature drop.
When you have all of these tips in mind, picking out a safe costume will be easy. And make sure that you stay tuned to the Vargas and Vargas Insurance Blog throughout the month for more safety tips. Call Vargas and Vargas Insurance for an insurance review at 617-298-0655.
