Builder’s risk insurance is a crucial aspect of your project, providing personalized protection for the structure and materials until the project is finished.

Vargas & Vargas Insurance, we’ve assisted countless property owners in safeguarding their homes during construction or renovation with builder’s risk insurance.

Builder’s Risk Insurance Simplified

Builder’s risk insurance is a tailored property insurance designed for buildings in construction, also called ‘course of construction’ insurance. It shields both the property and homeowner from financial losses due to damage or loss of the project’s structure and materials during construction.

These policies are highly specialized, which can make understanding them confusing. We’ll focus on ‘location-specific policies’ in this article, covering individual residential or commercial construction, remodel, or installation projects, like the one you might have for your home.”

Builder’s risk insurance is a tailored property insurance designed for buildings in construction, also called ‘course of construction’ insurance. It shields both the property and homeowner from financial losses due to damage or loss of the project’s structure and materials during construction.

These policies are highly specialized, which can make understanding them confusing. We’ll focus on ‘location-specific policies’ in this article, covering individual residential or commercial construction, remodel, or installation projects, like the one you might have for your home.

What It Covers and Excludes

A builder’s risk policy typically covers the structure under construction, including all materials destined to be a permanent part of it, whether on-site or in transit. The specifics vary between projects due to their unique nature.

In general, these policies commonly cover damages or losses caused by theft, vandalism, fire, lightning, hail, hurricanes, wind, explosions, and vehicles.

Exclusions and Extensions:

Standard exclusions typically include damages due to wear and tear, mechanical breakdown, design flaws, employee theft, earthquakes, water damage, weather-related harm to property left outside, acts of terrorism and war, government actions, contract penalties, and voluntary parting.

Additional exclusions may apply depending on location and project details. For instance, coastal projects might exclude earthquakes, floods, and wind damage, but extensions are often available for purchase to cover these situations.

Beyond the main structure and its materials, policyholders can buy extensions for temporary structures, construction forms, scaffolding, and debris removal.

Builder’s risk insurance also offers optional extensions to mitigate financial impacts from project delays resulting from a loss, such as lost sales or rental income, loan interest, and real estate taxes. Some of these may be included in a standard policy without extra cost.

What Builder’s Risk Insurance Doesn’t Cover:

Builder’s risk insurance does not cover accident and injury liability during construction, requiring separate liability insurance.

It also excludes subcontractors (who need their insurance) and property belonging to others.

Builder’s Risk Insurance Coverage and Terms:

Builder’s risk insurance provides coverage up to the pre-established coverage limit. This limit, determined when purchasing the insurance, usually matches the construction budget, encompassing all materials and labor costs (excluding land value).

Policy terms typically span three, six, or 12 months, depending on the construction timeline. If the construction surpasses the policy term, it can often be extended, usually limited to a single extension.

How Much Does Builders Risk Insurance Cost

A Standard builder’s risk insurance policy typically ranges from 1-4% of the total construction cost.

So for instance, a $400,000 project could cost between $4,000 to $16,000, with the exact amount influenced by policy type and extensions.

To get a quote, your insurance agent will need details like:

• Project address
• Project type
• Budget
• Number of stories
• Square footage
• Public protection class
• Security measures
• Actual cash value of existing structure (for renovations)
• Year built (for renovations)
• Projected structural alterations (for renovations list)

Need More Information Or An Insurance Policy?

Builder’s risk policies are customized for each project, so they can vary significantly. Collaborate closely with your agent to ensure your coverage matches your project’s requirements.

At Vargas & Vargas Insurance, we’ve assisted numerous property owners in obtaining tailored coverage for a wide range of projects, from first homes to summer beach houses and more.

After your project and the builder’s risk policy end, and your project is complete, we can also help you obtain the necessary homeowners policy to protect your new home.

Your Local Independent Insurance Broker

“For over 40 years, Vargas & Vargas Insurance has been dedicated to helping families and individuals. Our team is here to address all your insurance questions, whether about Builders Risk, flood, home, condo, renters, business or auto insurance. Feel free to contact us today at 617-298-0655.”

If you have ever experienced in a total loss of your car, it can be overwhelming. Even experienced drivers can feel panicked when their vehicle is declared a total loss after an accident. Beyond the concerns of injuries and safety, you might have questions about your next steps and the insurance process.

At Vargas & Vargas Insurance, we understand that the aftermath of a car accident is a confusing and uncertain time. Finding out that your car is considered a total loss and won’t be repaired only adds to the stress.

Understanding what “total loss” means and how insurance companies determine it is just one of the many inquiries we receive from clients filing accident claims. We’re here to provide clarity during this challenging period, explaining total loss, how your insurance policy covers it, and the steps you should take afterward.

In this post, we’ll break down when a car is considered a total loss, which coverages come into play, and the necessary actions you should take after experiencing a total loss.

When does a car qualify as a total loss?

If your car sustains significant damage in an accident, your insurance company might label it a total loss. This happens when repairs become impractical or when the vehicle remains unsafe even after fixing it.

Generally, if repair costs surpass your car’s actual cash value, it’s declared a total loss. Instead of repair expenses, you’ll receive compensation based on the car’s value.

Insurers often take possession of totaled vehicles. Ensure you transfer the title, cancel the license plates, and remove the car from your insurance policy to avoid unnecessary charges.

How do insurance companies decide if a car is a total loss?

Your insurance companies assess if a car is a total loss only after conducting their own inspection of the vehicle’s damages.

Most Massachusetts insurance companies employ the total loss formula (TLF) to decide on total loss status. If the cost of repairs plus the salvage value equals or exceeds the car’s actual cash value, it’s declared a total loss.

Keep in mind that variations exist due to your insurer and unique circumstances, so it’s wise to consult your insurance provider about this process.

How is the actual cash value calculate?

The actual cash value (ACV) reflects your car’s present market worth. Insurers calculate it by subtracting depreciation from the initial purchase price.

It’s important to distinguish ACV from replacement cost. Replacement cost provides the full value of a new vehicle without considering depreciation. However, this coverage is usually limited or comes with higher premiums compared to ACV.

Which insurance coverages deal with totaled vehicles?

If another driver is responsible for an accident that totals your car, their insurance policy will cover your vehicle’s actual cash value.

When you’re at fault for the accident, or if the other driver leaves the scene or lacks insurance, you need to file a claim under the appropriate coverage on your policy to get compensation for your car’s ACV.

The specific coverage you should use depends on the accident scenario:

1. Collision Coverage:

• Handles damages caused by colliding with vehicles or objects.
• If you’re at fault for the accident, your ACV reimbursement comes through collision coverage.
• Recommended for all drivers but not mandatory in Massachusetts if you own your vehicle outright.

1. Comprehensive Coverage:

• Addresses damages from non-collision incidents like theft, vandalism, weather, and animal collisions.
• If a non-collision event results in your car being totaled, the comprehensive coverage is used.
• Similar to collision coverage, it’s not required if you own your vehicle and don’t have a loan.

1. Uninsured/Underinsured Motorist Coverage:

• Required in Massachusetts.
• If you’re in an accident with an uninsured or hit-and-run driver, this coverage reimburses your car’s ACV.

It’s important to understand which coverage to use based on your accident scenario. If you’re unsure, consult your insurance provider to ensure you’re properly covered.

What happens if I still have a loan on my vehicle?

What if the money you receive for your totaled vehicle doesn’t cover your outstanding loans? This is where GAP insurance comes in. GAP insurance, or “guaranteed asset protection,” fills the gap between the actual cash value you’re reimbursed for your vehicle and the amount you owe on your loan or lease. Remember, GAP insurance is not included by default – you need to add it to your policy through an endorsement if you’re eligible.

How Much Does GAP Coverage cost?

Adding GAP insurance to your Massachusetts auto insurance will typically cost an additional $25 to $75 per year. If you get this coverage through the dealership or finance company, the cost will vary based on factors like the car’s MSRP, loan duration, financed amount, and APR, generally ranging from $500 to $750.

It’s important to note that many dealers and finance companies might attempt to include GAP insurance in your monthly loan or lease payment by default. Therefore, it’s crucial to inquire about this and clarify before finalizing your paperwork.

What steps should I take if my vehicle is declared a total loss?

Here’s what to do if your vehicle is totaled:

1. File a claim: Contact your insurance agent or provider right away to start the process. Total loss claims are filed like any other claim on your auto policy.
2. Tow your vehicle: Arrange to have your car towed to an auto body shop since you likely can’t drive it anymore.
3. Gather documents: Be proactive and collect documents your insurer will need, such as the car’s title and sales receipt. If leased or financed, your lender/lessor will provide the title.
4. Research car’s value: Look up your car’s current value to get an idea of the reimbursement you might receive.
5. Check loan status: If you have a loan or lease, inform your lender/lessor about the damages and the upcoming settlement.
6. Shop for a new car: You may not get the same car, but you can use the reimbursement for a down payment on a new vehicle.

Pro-Tip

Before you do anything, document the condition of your car with photos and notes. This evidence can support your insurance claim and ensure you get the compensation you deserve. Remember, thorough documentation can make a significant difference in a total loss scenario. Stay prepared, stay protected!

Your Local Independent Insurance Broker

Totaling your car can be unsettling, but being prepared is key. Understand what triggers a total loss and how your insurance covers it. This knowledge lets you know exactly what to do if your car is ever totaled.

For over four decades, Vargas & Vargas Insurance has been assisting individuals, families, and businesses. We’re here to address your questions and find the best coverage at the most competitive rates. Reach out to us at 617-298-0655.

If you’ve purchased a new car or leased one, you might have come across the term “gap insurance.” It’s often mentioned during loan or lease paperwork, and you may have been advised to get it from the dealership. However, the explanation might not have been clear.

At Vargas & Vargas Insurance, we’re here to shed light on gap insurance—what it covers, its costs, and the choice between dealership purchase and adding it to your Massachusetts auto insurance policy. (Yes, you heard that right—we might suggest an alternative source!)

While gap insurance is quite affordable when included in your auto insurance, it tends to be pricier if bought at the dealership. But there are distinctions between the two options. Let’s explore the details!

What is GAP insurance?

When your car is in an auto accident, your Massachusetts auto insurance policy covers the vehicle’s “actual cash value.” Keep in mind it doesn’t replace the car itself. This distinction is crucial.

From the moment you drive your new car away from the dealership, its value depreciates. In the unfortunate event of a total loss or theft, your insurance will reimburse the car’s actual cash value at that time. If this amount falls short of your loan or lease, you could still owe money. This is where GAP (Guaranteed Asset Protection) insurance comes into play – it bridges this gap, covering the difference.

Who Can Purchase GAP Insurance?

GAP insurance can be added to an auto insurance policy within 30 days of purchase of vehicle. But it’s important to note that if you have an accident before that 30 days is up, and you haven’t added the coverage yet, you will not be able to add it after the accident.

You also must have bought the vehicle using a loan or lease, and the vehicle must be 5 years or newer to be eligible.

Is GAP Insurance Mandatory?

While not mandated by the state of Massachusetts, GAP insurance is not a requirement for all drivers. However, if you’re leasing a vehicle, the leasing company might insist on this coverage. Checking your lease agreement will provide clarity on whether it’s necessary. To understand the impact of leasing on your auto insurance, feel free to reach out for more information.

How long do I need to pay for GAP insurance?

The duration of your GAP insurance coverage depends on your individual circumstances. Generally, it’s advisable to have GAP insurance throughout the entire duration of your auto loan or lease. This way, you’re protected in case of a total loss or theft. However, you can consider cancelling the coverage once the gap between your loan/lease balance and the vehicle’s value decreases significantly. To make an informed decision, discuss your situation with your insurance provider.

What Does GAP Insurance Cost?

By including GAP insurance in your Massachusetts auto insurance policy, you’ll likely see an increase of around $25 to $50 in your annual premium.

However, if you opt for dealership or finance company coverage, the cost will fluctuate based on factors such as MSRP, loan duration, financed amount, and APR. Generally, this option might range between $500 and $750.

Be aware that some dealers and finance firms might automatically bundle GAP insurance into your monthly payment. To avoid surprises, make sure to inquire about this before finalizing your paperwork.

Your Local Independent Insurance Broker

Vargas & Vargas Insurance has assisted individuals, families, and businesses for over four decades. We’re here to address your questions and find the best coverage at the most competitive rates. Reach out to us at 617-298-0655.

How does saving thousands of dollars in car repairs sound?

We’re here to share some maintenance tips that may do just that! Check them out below:

Schedule Inspections and Maintenance

To save money on car maintenance, regularly book check-ups and services. Think of it as preventative maintenance to avoid costly repairs later. For instance, replacing brake pads is cheaper than replacing damaged brake discs. How often you should have your car checked depends on how much you drive – more miles mean more frequent check-ups.

Change The Oil – To keep your gasoline-powered vehicle running smoothly, it’s important to regularly change the oil. This typically costs around $60 and should be done every 5,000 miles. Even if you don’t drive much, you should still change the oil at least once a year, according to Consumer Reports.

Keep The Battery Clean – If you don’t keep it clean, it could develop a crack or not function properly. Test your battery twice a year and inspect it for corrosion.

Replace The Brake Pads – Check the brake fluid every time you change the oil. If it’s dark in color, reach out to a mechanic to get your brake fluid changed and see if a new system is needed.

Replace Your Air Filter – Change your air filter every 12 months or 12,000 miles, as using an old air filter can lead to significant – and costly – problems for your air conditioning system.

Lights On For Safety – Keep a close eye on your car’s lights. Make sure your headlights, brake lights, and indicators are functioning properly. Don’t forget to test the brake lights by pressing the pedal or asking for help. Modern cars have a warning light on the dashboard to signal when lights are out. Remember, faulty lights can be dangerous and might lead to fines from the police. Stay safe on the road!

Here’s A Pro-Tip – According to auto mechanic expert Scotty Kilmer, tire rotation for modern cars is an unnecessary expense. He explains that today’s tires are significantly superior to those in the past.

Your Local Independent Insurance Broker.

If you want to ensure that you have the best insurance coverage at the most affordable price, our team is ready to assist you. Simply dial 617-298-0655 to get in touch with us. We will be happy to review your insurance policy and make recommendations to ensure that you are properly insured.

Do you need a new insurance agent or broker? Maybe you’re unsure and looking for advice or wanting to switch agents. It’s important to choose the right one, so it’s wise to do your research and evaluate potential agents. Not all agents and brokers are the same. How can you distinguish a good agent from a bad one?

What are the benefit of changing my agent after having worked with the same one for a long time?

Your insurance agent may not be good even if you’re used to them. You may have outgrown them as your needs change over time. You might be missing out on savings if you’ve been with the same agent for a long time. Switching agents can help you find better deals and stay up to date with industry practices. It’s important to work with an insurance broker who will review your insurance annually, compare quotes, and recommend alternatives when it’s time to switch insurance companies for more favorable rates. At Vargas & Vargas Insurance, we do this for ever client every single year.

What Is An Independent Insurance Brokers

An Independent insurance broker does not work for a single company but instead serve clients in finding coverage from a network of insurers. Unlike agents who are tied to one company, like Allstate, Liberty Mutual, AMICA, GEICO and many others, independent brokers have the flexibility to work with multiple insurance providers to find the best coverage options and rates for you. They have no vested interests in promoting a particular company, so you can trust that their recommendations are based solely on your needs. Whether you need help navigating a life change or simply want advice on switching to a new car insurance provider, independent brokers are there to provide unbiased advice and help you make informed decisions.

What Is A Captive Insurance Agent

Agents who work exclusively for one insurance company are called captive insurance agents. They are obligated to sell their company’s insurance policies, regardless of whether it is the best fit for the customer. If you choose to work with a captive insurance agent, you may not be getting the best possible insurance coverage or rate. This is because they will only offer you rates that are available through their company, and not necessarily the most affordable options. They are not motivated to help you switch to another insurance company, as their commission is tied to providing good customer service for their company. While they may strive to provide excellent customer service, their primary concern is the success of their company, not the satisfaction of their clients.

Buying Insurance Online

If you lack knowledge about insurance, buying your insurance online can be perplexing. And sometimes, there may be some fine print or confusing legal jargon that you might miss. However, if you choose to use an insurance agent, we can assist you in deciphering all of those details. Even though some online companies call center agents, they may not be able to provide personalized service, and you might end up speaking with multiple people. This can be a problem because if you’ve already explained your concerns to one agent, the next agent you speak to may not have that information, and you’ll perhaps have to start from scratch.

Finding The Right Insurance Broker Or Agent For Your Needs

Do your homework. Find a broker or agent who genuinely cares about your interests. With numerous options available, it’s tough to choose, especially when every one of them claims to be the best.

Check out reviews and recommendations. Start by talking to people you know, like, so you can trust their feedback. Who did they have a positive experience with? Who do they advise you to steer clear of? These suggestions matter.

If personal recommendations don’t help, go online. Look for insurance agents’ ratings and reviews on platforms like Google, which can guide potential customers. Additionally, when reviewing online reviews, check if the business responds to its reviews. A business that values its clients and reputation will engage with the feedback they receive.

To learn about the insurance options offered by Vargas & Vargas Insurance, you have a few options. You can reach out to an agent by calling 617-298-0655, visiting their website at vargasinsurance.com/contact-us, or even sending a text to 617-409-0329. The team is ready to assist you with any inquiries or issues you may have.

Having the appropriate replacement coverage is vital when it comes to safeguarding your home, which is likely one of the biggest investments you’ll ever make.

Homeowners face many risks that increase with their home’s value. These risks include supply chain disruptions, high parts and labor costs, and inflation. These factors affect the upkeep and repairs needed to maintain a home. If you have any questions, please contact our office at 617-298-0655 or complete our online quote form.

When it comes to insuring a home, it’s important to consider its valuation and the cost of rebuilding in the event of an unexpected incident. There are several types of home valuations to keep in mind, including market value, appraisal value, assessed value, and replacement cost.

Market value: takes into account factors like location, neighborhood, school system quality and desirability to determine a price a buyer would be willing to pay.

Appraisal value: is determined by lenders to make sure homeowners don’t borrow more than the home is worth.

Assessed value: is set by local municipalities for tax purposes, and it usually lage a few years behind the market vale.

Replacement cost: is the amount an insurance carrier calculates to rebuild a home to its pre-loss condition after a significant event.

To ensure that your insurance aligns with the value of your home, we suggest following these four steps:

Getting a replacement cost valuation: for your home can help you figure out if it’s adequately insured. An agent can guide you through this process. Understanding the precise value of your home is crucial for agents to determine the type and amount of coverage required.

It is important to ensure that every aspect of your house is taken into consideration when determining its replacement cost. If you own a luxurious property with unique building materials, superior artistry and personalized features, the conventional industry tools used for this purpose might not suffice, leading to incomplete coverage.

Once we have determined the value of the client’s home, we will ensure that their insurance policy offers the appropriate coverage to meet their specific requirements, so they don’t have to deal with any unforeseen expenses or high out-of-pocket costs in the event of a loss.

Certain insurance providers provide unrestricted replacement cost coverage for dwellings that have suffered complete damage. This implies that if the homeowner experiences a covered loss, the house will be rebuilt or replaced using materials of equivalent quality and kind, even if the cost is higher than the amount specified on the policy.

Your Local Independent Insurance Broker

To review your current homeowners insurance policy and explore ways to save money, contact Vargas & Vargas Insurance at 617-298-0655 or visit vargasinsurance.com.

You know all about paperwork if you have or are buying a condo. This includes getting a personal condo insurance policy also known as an HO6 that fits with your condo association’s master insurance policy and bylaws.

At Vargas & Vargas Insurance, we can help you navigate through these documents and find the best insurance coverage for you. The master deed is one of the documents you’ll need to look at, which explains what the condo association’s master insurance policy covers.

• To understand common condo charges, you need to have the condo bylaws.
• If you don’t have them, contact your condo association or check the Massachusetts Land Records website.
• There are three important things to look for in the bylaws.

Walls-in vs. all-in

A condo association has an insurance policy that is included in your HOA fees. The policy covers damage to the building, grounds, and outdoor features. The policy could be either a “walls-in” or an “all-in” policy. You should know the difference so you understand what the policy covers and what your responsibility is. An all-in policy covers everything in your condo that you do not own. A walls-in policy does not cover anything within your walls. You should review your condo association’s policy to find out if it is walls-in or all-in. Knowing the type of policy might not be enough.

Review your documents carefully to see what is covered for you. You may wonder why you need to know this if you can’t choose what is covered. But you can actually get extra coverage with your personal condo insurance policy. For example, if your master policy doesn’t cover things like drywall, carpeting, and appliances, you can increase your limits to include them. You can also consider optional coverages like water-backup or flood insurance.

Loss assessment information

Condos have loss assessments that tenants should be aware of. The condo association may ask every tenant to pay a certain amount if a common area is damaged and the master policy doesn’t cover it. This applies to damage and medical liability situations. For example, a tree falling on a commonly owned building or someone getting injured in the property’s swimming pool. To avoid loss assessments, tenants should review their master deed to know which areas are the responsibility of the condo association and which are the unit owner’s responsibility. Tenants should also make sure they have enough coverage on the loss assessment portion of their personal condo insurance policy.

You might have to pay for damages up to the amount stated in your policy. We suggest getting $50,000 in coverage as it’s affordable and worth it. Different insurance companies have different rules, so ask your agent for more information.

Choosing A Deductible

Your master condo insurance has a deductible, which is the amount you need to pay before the insurance company pays for a claim. When selecting coverages for your personal condo insurance policy, you should consider this deductible value. The dwelling coverage portion of your policy covers the deductible you would have to pay on your master policy if a claim resulted in damage to your condo’s building, grounds, or outdoor features.

Master policy deductibles can vary from $5,000 to as much as $50,000 or more. You should ensure that your dwelling coverage is at least the same amount as your master policy deductible.

Include the value of things in your apartment on your dwelling coverage. These things include walls, flooring, carpets, counters, and built-in appliances.

Finally

Your condo association may not provide you with all the information you need when buying a condo. You need to read all the documents, including the fine print, to make informed decisions about your personal condo insurance policy. If this seems overwhelming, we can help. We’ve reviewed condo documents for clients to ensure they make the right insurance choices.

Your Local Independent Insurance Broker

Vargas & Vargas Insurance has been serving clients for more than four decades, making them a trustworthy choice. They can help you find the coverage that suits your needs and answer any questions you may have. Contact them today at 617-298-0655 and let them assist you in finding the ideal policy for your situation.

Backyard swimming pools and hot tubs, whether luxurious in-ground Olympic models or simple inflatable ones for kids, come with safety and insurance considerations. It’s important to be aware of these factors before installation. If you have any inquiries, please don’t hesitate to reach out to our office at 617-298-0655 or submit an online quote form.

It’s important to know what your town considers a “home pool” and what safety and building codes you need to follow. This information can vary based on the size and depth of your pool. To ensure you are meeting the local standards, reach out to your municipality and ask about the relevant regulations. You may need to install a fence of a certain size, locks, decks, and other safety equipment for your pool. By taking these precautions, you can create a safe and enjoyable environment for your family and friends to enjoy.

According to the insurance industry, a pool is deemed an “attractive nuisance.” Although it is a source of pleasure, having a pool increases your liability risk. It is recommended that you get in touch with your insurance agent and review your policy if you own a pool or are thinking of installing one. Homeowners have an obligation to safeguard unsuspecting kids from the potential hazards of an attractive nuisance. If you have a pool, practical steps to take may involve putting in place.

To ensure pool safety, several measures can be taken. These include:

A fence around the pool

Using an automatic safety cover

Using a solid or mesh safety cover

Posting a sign to indicate any potential dangers

Making sure that safety equipment is easily accessible

Your homeowner’s insurance policy covers property damage and liability incidents on your property. Pool owners need more liability coverage due to increased risk. An umbrella policy can protect your assets if damages exceed your primary policy’s limits. Consider umbrella coverage with a pool, as you are responsible for incidents on your property.

Homeowners’ insurance varies depending on the pool type. In-ground pools are usually covered by dwelling or other structures coverage. Above-ground pools may be classified as personal property or other structures if damaged. You should speak to your insurance agent to check if your limits are sufficient to cover above-ground pool repairs or replacement in case of damage.

Your Local Independent Insurance Broker

If you want to know more about the homeowners insurance provided by Vargas & Vargas Insurance, you can either call an agent at 617-298-0655 or visit their website at www.vargasinsurance.com/contact-us. We will be happy to answer any questions or address any concerns you may have.

No matter who you are – single person, a family of three, or a retiree – and you do not own a home or condominium, having renters insurance is a must.

We speak with our customers who rent often and find a lot of confusion around insurance. Some don’t understand why they need it, and the idea of an additional expense turns some off. However, when we get the opportunity to explain why renters insurance is beneficial, there are five points that we always make sure to cover.

Your Landlord’s Insurance Does Not Protect Your Belongings.

Your landlord’s insurance policy covers only what the landlord owns. For example, suppose a fire burns your rental property. In that case, the policy will cover rebuilding the structure and common areas and replacing permanent items such as major appliances and lost rental money. However, it will not cover any of your possessions. Anything you own is your own responsibility.

You May Have More To Lose Than You Realize.

Think how much it would cost to replace your phone, laptop, TV, furniture, and clothing. The bill could easily be over $5,000. A Renters policy would cover the cost if those possessions were stolen, damaged, or destroyed. You would pay a deductible (usually a few hundred dollars) and the insurance company would pay the rest.

This type of policy covers fire, flooding, theft, smoke damage, electrical surges, and water damage from a neighbor’s bathtub overflowing. We recommend clients photograph and inventory their possessions, then price them online or in a store. People are usually surprised by the monetary value of everything they own.

Renters’ Policies Can Protect You From Many Potential Issues.

You threw a party in your apartment. It started small but got bigger as your friends invited their friends. Someone you didn’t know slipped on a spill and went to the hospital. This could put you at risk of a lawsuit and your landlord’s insurance won’t help. A Renters policy would cover legal and settlement costs. You can customize a policy with Animal Liability, Identity Theft Protection, and Extra Personal Property Protection.

Renters Insurance is Very Affordable

The Insurance Information Institute states that the national average cost of Renters insurance is $180 per year. That’s pennies per day for the security it provides.

Getting a Renters policy from the same company through your local independent insurance broker that insures your car may help you save money on Auto insurance. Many insurers offer discounts for customers with multiple policies. This discount could cover the cost of the Renters’ policy.

Your Local Independent Insurance Broker

Vargas & Vargas Insurance is your local independent insurance Independent Agent, we work with you to customize a policy to suit your very specific needs. We understand that everyone’s needs are different, and that’s why we take the time to carefully review your situation and develop a policy that fits your needs perfectly. We’ll also make sure you’re getting all the discounts you’re eligible to receive so that you can save on your premiums.

With over 40 years of experience in the insurance industry, you can rest assured that you’re in good hands with Vargas & Vargas Insurance. We’d be more than happy to answer any questions you may have and provide you with the best coverage possible. So don’t hesitate to call us today at 617-298-0655 and let us help you find the perfect policy for you.

When you hear the term “Big One,” you may think of California or the Pacific Northwest. But the strongest earthquake in the lower 48 states occurred in the heartland. In 1811 and 1812, a series of quakes hit the New Madrid fault near present-day Memphis, Tennessee. It was estimated at 7.7 on the Richter scale and could be felt in New York City.

According to the United States Geological Survey, New England has a low to moderate earthquake hazard. Most earthquakes in New England have been <5.0 magnitude (Mw), but some significant earthquakes >Mw 5.0 occurred in the last few hundred years.

A 2009 study by the Mid-America Earthquake Center at the University of Illinois showed that a quake of this magnitude now could damage more than 700,000 buildings in eight states. The USGS states that earthquakes affect more than half the US population.

Despite this, only 7% of Americans have earthquake insurance. Sales have gone down in recent years because it can be expensive. Premiums may cost hundreds of dollars, and the coverage has some restrictions that make many people not want to buy it.

When it comes to Earthquake insurance, there are a few things to know. Understanding one’s options and what to expect from the policy is important.

Your Homeowners Insurance Does Not Protection Against Earthquake Damage.

A standard Homeowners insurance doesn’t cover damage caused by an earthquake. It may, however, cover damage to the home caused by fires following the quake.

Proper Earthquake insurance is available as a rider on your insurance policy to a standard Homeowners policy. In some areas of the country, coverage is provided by private insurers as a separate insurance policy.

Some Earthquake Coverage Have Limitations

Some home insurance policies can be tailored to provide extra protection for items such as detached garages, pools, jewelry, and firearms. Earthquake insurance may not offer coverage for these extra structures and items and may have less coverage for alternate housing if your home needs repairs or rebuilding.

Earthquake Deductibles Tend To Be High

Earthquake insurance can be expensive, particularly in high-risk areas. Its deductibles are higher than a standard Homeowners policy’s, usually ranging from 5 to 15% of the policy limit. For example, a common Homeowners policy deductible is $500, but a 15% deductible on a $200,000 policy limit would be $30,000. In cases of major damage, this is a welcome tradeoff. However, with minor to moderate damage, an Earthquake insurance claim may not be worth it.

How Much Does Earthquake Insurance Cost?

How much is earthquake insurance? It can cost from $800 to $5,000 a year. The deductible is usually 5-20% of the coverage limit.

We have a policy for our condominium in Dorchester. It’s a rider on our HO6 policy and costs $287 a year. The deductible is 5% if there is a loss from an earthquake. The price can change depending on certain factors.

Your Local Independent Agent Can Assist You In Deciding If Earthquake Insurance Is A Good Fit For You.

Earthquake insurance is often recommended for homeowners who live in high-risk areas, like near a fault. A quake can cause severe damage, so the coverage is important. For homeowners in low-to-moderate risk areas, an independent insurance agent can help compare rates and policies from multiple companies to ensure the policy is adequate.

Vargas & Vargas Insurance can help you decide and compare rates and policies from multiple companies. He or she can help you be confident your policy is up to protecting you financially if the Big One does hit close to home. Call us today at 617-298-0655.

Car enthusiasts! We have some important news to share with you today that’s been causing quite a stir in the world of auto insurance. 🤯 Some major car insurance companies like Allstate and State Farm have recently made changes to their policies regarding Kia and Hyundai vehicles, and this news may have left many of you confused and concerned. That’s why we’re here to shed some light on the situation and provide you with valuable insights.

Kia and Hyundai vehicles have unfortunately become targets for theft due to certain vulnerabilities in their manufacturing. Recently, details on how to hotwire these vehicles have spread across social media, making them more susceptible to theft. As a result, car thefts have skyrocketed, prompting insurance giants like Allstate, Progressive, and State Farm to take action. They have decided to limit the number of new policies they write for these specific vehicles.

However, the story doesn’t end there. Both Kia and Hyundai have swiftly responded to this issue by releasing free software fixes to address the hotwiring vulnerability. They strongly urge all owners of their vehicles to check if their car has received the update. The update is easy to access and install, and can help ensure your car’s safety and security.

It’s important to note that these changes don’t necessarily mean that Kia and Hyundai vehicles are unsafe or unreliable. On the contrary, these companies are doing their best to keep their vehicles up-to-date and secure with the latest technology. It’s simply a matter of being proactive and taking the necessary steps to protect your car and your wallet.

We hope this update has provided some clarity on the situation and given you greater peace of mind. If you have any additional questions or concerns, please don’t hesitate to reach out to us. We’re here to help!”

Vulnerability can pose a challenge when it comes to obtaining coverage from major insurance providers. That’s why our team of dedicated independent agents is here to help. We will work with you to explore the insurance market and find the best coverage plan that meets your needs. We are committed to providing our readers with the most up-to-date information to enable them to make informed decisions about their insurance coverage.

When it comes to protecting your vehicle, knowledge is power. It is essential to stay informed about the latest software updates, as well as to seek expert advice from our team. By doing so, you can ensure that you are taking the necessary steps to protect your vehicle and maintain your peace of mind on the road.

Our team at Vargas & Vargas Insurance is always ready to provide reliable and comprehensive guidance, so you can have the assurance that your vehicle, you home and your life is properly protected.

If you’ve recently purchased a condo, you may be feeling a mixture of emotions. You’re likely thrilled to have your own place, but the idea of adding additional payments and HOA fees to your budget can be daunting. Additionally, you may be unsure how much it will cost to insure your new condo; however,

Vargas & Vargas Insurance has provided thousands of Massachusetts condo owners with the coverage they need.

In this article, we’ll provide an estimate for the cost of condo insurance, discuss the factors that can affect it, give sample premiums from Massachusetts residences, and offer tips on how to reduce the cost.

How much does a MA condo insurance policy cost?

It is not possible to give you an exact figure of what condo insurance would cost without knowing the specifics. However, an approximate range can be given based on average premiums observed. Generally speaking, a condo insurance policy could cost between $300 and $1,000 annually ($25 to $84 per month). To get a more precise evaluation, further details need to be considered.

What affects the cost of MA condo insurance

The range of coverage we gave is not exact since each condo policy differs depending on various factors. The following elements will influence the policy.

Condominium insurance limits

Every kind of insurance has a maximum amount they will pay out in the event of a claim. Each policy typically includes several different limits that apply to each coverage included. For example, condo insurance may have limits on dwelling, personal property, loss of use, loss assessment, medical payments to others, personal liability and personal injury. Generally speaking, policies with higher limits tend to cost more.

What does your master policy cover

The kind of coverage you need for condo insurance depends on if your master policy is walls-in or all-in. An all-in policy will provide protection for anything in the condo that isn’t owned, such as appliances, wiring, plumbing and carpets. It covers all the items that would be taken with you if you moved out.

A walls-in policy does not cover anything inside your walls, even if it belongs to you. This includes drywall, carpeting, flooring, countertops and appliances; it may also exclude plumbing and electrical units.

If the master policy is all-encompassing, usually the HO-6 policy must have enough dwelling coverage to pay for the master policy’s deductible. However, if the master policy only covers external walls, then you need a greater amount of dwelling coverage to cover what’s inside your unit.

The deductible you choose

The level of deductible you choose affects the cost of personal insurance. A deductible is an amount that needs to be paid by the owner of the condominium before an insurance company will pay a claim. Generally, you have a selection of deductibles for home insurance, commonly $1,000, $1,500, and $2,000. The more significant the deductible amount is that you pick, the less expensive your premium will be.

Your Condominium exposure

Insurance companies use a variety of factors to determine your insurance quote. One of the most important elements is the risk assessment, which looks at the likelihood of you making a claim. This assessment takes into account a variety of factors such as your age, driving record, location, and credit rating. The higher the risk, the higher the premium you will be charged. It’s important to note that the insurance company will also consider the type of coverage you are requesting. For example, if you are requesting coverage for a high-value item, this could increase the risk and therefore the premium. The same is true of additional riders or endorsements that you may request. Understanding the risks associated with the coverage you are requesting is key to getting the best quote possible.

Prior claims history

If you have previously had to make a claim on your condo insurance, the insurance company will view you as more of a potential hazard and may increase the cost of premiums accordingly.

The insurance company

The cost of a condo insurance policy can differ significantly depending on the insurance carrier that provides it. We’ve seen examples of price variations ranging from a few hundred dollars in some cases. That is why we emphasize the importance of working with an independent agent who can compare different policies from various carriers to get you an appropriate coverage for the best price.

Other factors that affect the condo insurance price

The location of the condo, the location of the condo can affect the cost of insurance due to the varying levels of risk associated with different areas. For example, a condo located in an area prone to flooding or other natural disasters may cost more to insure than one located in a lower risk area.

The age ,the age of the condo can also be a factor, as older structures may require more coverage than newer ones

The size, the size of the condo can affect the cost of insurance, as larger condos may require more coverage than smaller condos. and the materials it is made out of.

The materials, the materials the condo is made out of can have an effect on the cost of insurance, as certain materials may be more expensive to insure than others.

Vargas & Vargas Insurance is committed to providing assistance and support to families and individuals for more than four decades. Our staff are available to answer any queries you may have, so don’t hesitate to reach out today by dialing 617-298-0655.

As temperatures heat up, so do some types of insurance claims. Keep reading to find out the most common accidents we see during the summer and a bit of guidance on how to prevent them.

Outdoor fires – Bonfires, cookouts, and grilling are fun but can put you at risk for fire. Never leave a fire unattended, and keep fires at least 10 to 25 feet away from flammable structures/surfaces.

Make sure that the surrounding area is free of any debris, and that the fire is in a fire-safe pit or container. Additionally, have a bucket of water or a fire extinguisher on hand in case of an emergency. Make sure to keep children and pets away from the fire at all times. Finally, when you’re done with the fire, make sure to completely extinguish it so that it won’t reignite. Taking these safety measures will help ensure that your outdoor fire is a safe and enjoyable experience for everyone!

Pool Accidents – Splishing and splashing come with a lot of dangers. Fencing in your pool, jumping safely, and never leaving children unattended help prevent accidents.

Additionally, it’s important to teach children how to jump safely into the pool. Make sure they understand how to properly enter the pool and the importance of not running around the pool area. Lastly, it’s never a good idea to leave children unattended when they’re in the pool. Make sure that there is always an adult nearby who is paying attention and can help if something goes wrong. Taking these simple precautions can help to prevent pool accidents.

Car Accidents – Road safety is essential during summer vacations and road trips. Practice defensive driving, and complete a maintenance check-up on your car before hitting the road.

Complete a maintenance check-up on your car, such as checking the oil, brakes, and tires, to ensure that your car is in peak condition. By following these tips, you can greatly reduce the risk of being involved in a car accident.

Home Burglaries – During the summer months, when people are away from home on vacation, there is an increased risk of home burglaries and thefts. Taking a few simple precautions can help reduce the likelihood of a home burglary. Installing a home security alarm system is one of the most effective deterrents.

Motion detection lights placed around the exterior of the home can also help scare away potential intruders. Additionally, having a trusted neighbor collect your mail on a regular basis will help keep your home from appearing vacant. Taking these steps can help protect your home from burglaries and give you peace of mind.

Pro Tip – Add deadbolt locks to all windows and doors for extra security. Consider smart devices like locks and video surveillance systems to control remotely. This added protection could help keep your summertime claim-free. Additionally, consider installing alarm systems in case of intruders. Finally, send the alarm certificate to your insurance agent to receive a discount.

At vargas & Vargas Insurance we always have time for you, you can reach us at 617-298-0655.

A survey done in 2020 showed that only 6% of homeowners with insurance policies made claims. This might lead you to ask why you’re paying a fee each month if no one is taking advantage of the coverage. The answer is easy: filing a claim isn’t always the best choice. Home insurance is meant to protect your financial security in the case of major damage to your home, but if it’s just a few thousand dollars or less, it may not be worth filing a claim. Ultimately, whether or not to file depends on your policy.

If you are uncertain if you should submit a homeowners insurance claim, this article is designed to help. Read on to learn more about analyzing your insurance policy and deciding upon when it is appropriate to file a claim.

Choosing The Right Home Insurance Policy

Before you sign up for a new insurance policy, you need to account for the value of your home, possessions in your home, and your budget. The more your home and personal property is worth, the more you will be paying for your home insurance policy.

Your premium is a new monthly bill, and it is important that you can comfortably and reliably pay it. Additionally, you should think about how much you can afford to pay out of pocket in the event your property is damaged. Let’s say the deductible is $1,000. Can you pay $1,000 out of pocket before your insurance kicks in or do you need a policy with a lower deductible? Talk to an insurance agent to get started building the right plan for you.

Understanding Your Insurance Policy

To begin with, it is important to comprehend your home insurance policy. What is the amount of your deductible and does filing a claim lead to increased premiums? Additionally, what type of coverage does your insurer provide? Is my situation eligible for coverage? We will discuss these issues in more detail below.

Understanding Your Deductible

The deductible is the amount that you have to pay yourself before your insurance begins to cover costs. You will not be paying towards your deductible unless a claim is made with your home insurance. For instance, if the deductible for your policy is $1000, then in cases of damaged or stolen items, you would need to spend $1000 and your insurer would cover anything above that sum.

Additionally, keep in mind that filing a claim can potentially increase your insurance premiums. Your insurance company may view you as a higher-risk customer, resulting in higher monthly payments.

Keeping An Eye On Your Premiums

The first step in deciding whether to file a homeowners insurance claim is to understand your deductible. Your deductible is the amount of money you’re responsible for paying out-of-pocket before your insurance policy kicks in.

For example, if you have a $1,000 deductible and experience $3,000 in damages, you’ll be responsible for paying the initial $1,000, and your insurance company will cover the remaining $2,000.

It’s important to consider your deductible when deciding whether to file a claim. If the cost of damages is less than your deductible, it may not be worthwhile to file a claim at all. Additionally, if the cost of damages is only slightly above your deductible, you may want to consider covering the cost out-of-pocket instead of filing a claim, as it could potentially raise your premiums.

Outlining The Damages

Home insurance can be confusing. Does it provide coverage for the home itself and its contents? The answer is yes. The real inquiry, however, relates to what circumstances are covered by the policy. Many insurers offer plans that are based on the Insurance Services Office HO-3 policy, so let’s examine what this plan covers. Generally, standard insurance policies protect possessions from natural disasters such as lightning, windstorms, hail storms, extreme snowfall and volcanic eruptions.

House fires, electrical damage, theft and vandalism are usually covered by insurance plans. On the other hand, water damage, earth movement, infestations, mold growth and neglect are not typically included in these policies. These sorts of damages can be expensive to repair so it’s important to be aware that you may not receive any compensation for them. We will discuss this further later on.

Understanding Your Responsibility After a Loss

All Home insurance policies contain duties that the insured must comply with to recover under the policy. These duties vary from policy to policy but generally include providing notice of the damage to the insurer shortly after the damage occurs, taking appropriate actions to protect the property from further damage, and appearing under oath for an examination of the incident.

Your Insurance Policy Is Not A Maintenance Policy

If your roofing is in bad condition and it caused your home to be damaged in a windstorm, you may be able to file a claim. However, it depends on the terms of your insurance policy and the maintenance agreements that are in place.

As a homeowner, it is your responsibility to maintain your property. This includes any needed repairs or renovations concerning plumbing, electrical wiring, roofing, siding and so on. If you do not take care of any damage or wear and tear it can be considered negligence and your insurance company may reject your claim. There are certain ambiguities when filing an insurance claim for maintenance costs; for example if there have been weak patches in the roof for some time with missing shingles and signs of leakage.

It is possible that you could file an insurance claim for the wind damage to your roof, but this depends on the maintenance requirements in your policy. Most insurers require their customers to maintain certain parts of their home, such as the roof, in order to be eligible for coverage. After a severe windstorm has damaged more of your shingles and some interior roofing, you find yourself with an emergency repair job that will cost money. If you have kept up with regular maintenance, then filing a claim may be possible.

Pro-Tip

When damage you need to file an insurance claim, take pictures of the damage if possible. Make a list of everything that was lost or damaged. Keep the list and photos handy to support your claim to provide a clear image of the damage(s) you are reporting.

How Much Can You Save

Vargas & Vargas Insurance has been providing reliable and affordable coverage for over four decades. Our knowledgeable agents are dedicated to helping you find the right policy for your needs, so you can rest easy knowing your business is safe and secure.

With our expertise and comprehensive coverage options, you can feel confident that whatever life throws at you, your business will be taken care of. Invest in peace of mind today with homeowners insurance from Vargas & Vargas Insurance, you can reach our team at 617-298-0655.

Before taking a trip, it is important to understand what insurance coverage applies in the case of an accident while driving a rental car. We at Vargas & Vargas Insurance are often asked how claims will be handled in these situations. To be prepared, it is essential to research the extent of coverage provided by rental car companies and if additional insurance needs to be purchased.

What Is The Insurance Coverage For Rental Car Accidents?

In most states, if you have your own auto insurance policy, the coverage will apply to you and the rental car you are using. This means that if there is an accident involving your rented vehicle, your existing auto policy would still provide coverage. However, keep in mind that this type of protection only applies within the United States and its territories – it does not extend to international rentals. In Massachusetts, it is mandated by law that rental car companies must carry a certain amount of liability protection for any accidents involving their vehicles. For example, they must be able to cover up to $5,000 worth of damage claims concerning their cars. After the required liability limits are reached by the rental company, any remaining costs will come out of the renter’s personal auto or named non-owner policy.

Renters of long-term leases have restrictions on the amount of coverage they can get.

Loss Of Use

If you have an accident and damage a rental car, the rental company may charge you for not being able to use it while it is being repaired. Typically, your auto policy will not cover this fee, however, if you have Safety Shield Plus added as an endorsement to your policy, it may be covered. Also, many credit cards provide coverage for loss of use when renting a car if used to pay for the rental.

What Is Rental Automobile Insurance?

In some situations, you may need to obtain rental car insurance in order to be covered for any accidents you are involved in while driving a rental car. It is important not to confuse this with rental reimbursement coverage. Rental car insurance is a distinct policy provided by the car rental company that provides protection for the rented vehicle. This kind of coverage typically includes:

• Liability coverage: This covers you for any medical bills or damage to another person’s property if you cause an accident while driving a rented vehicle. 
• Loss/collision damage waiver: A collision or loss-damage waiver protects you in the event of damages that occur to the rental car, including vandalism and theft. 
• Personal accident insurance: This offers coverage against injuries to you and your passengers while driving a rented vehicle. 

Personal effects coverage: Provides protection for your belongings if they are taken or ruined while in a car you have hired.

Do I Need Rental Car Coverage?

Typically, you won’t need to purchase a separate rental car policy. If you have an auto insurance plan already, it will extend protection to any rented vehicles. If your auto policy includes comprehensive coverage, collision coverage, liability insurance and medical payments/personal injury protection, then buying an additional rental car policy is likely unnecessary. Additionally, any personal possessions in the rented vehicle would be safeguarded if you have a homeowners’, renters’ or condo insurance plan.

When Should I Purchase Rental Car Insurance?

In some cases, having a rental car policy may still be advantageous even if you already have car insurance. Examples of such situations include when you wish to avoid making claims on your auto policy; don’t have collision or comprehensive coverage; travelling somewhere that isn’t covered by your plan; having high deductibles on the auto insurance; having low liability limits under the policy; or renting a moving truck or vehicle (auto insurance won’t cover this).

What Should I Do After A Rental Car Accident?

If you are in an accident with a rental car, or if another driver has a rental car, the steps to take afterwards are similar to those after any other auto accident. However, there are some extra considerations that must be kept in mind. To deal with an accident involving a rental car, do the following: move yourself and the vehicle out of harm’s way; assess if anyone is injured; call emergency services; swap contact information and document details about the crash; take pictures of any damages and road conditions/obstacles; let your rental company know what happened (they may require you to fill out their own report); and notify your insurance carrier even if it was not your fault so you can decide whether to file a claim.

Covering rental Cars:

Now that you are aware of the different insurance coverage options for rentals and what to do in the event of an accident, you can confidently get behind the wheel of your next rental car. Even with full coverage, it is understandable for someone to feel confused after a collision. That is why Vargas & Vargas Insurance is available to help guide you through any claims process that may arise from a minor or major accident.

Dealing With An Independent Insurance Broker

Vargas & Vargas Insurance has been helping Families, individuals and businesses for over 40 years, you can reach our team at 617-298-0655

Massachusetts does not have a grace period for registering your vehicle when you move into the state. You must register it right away. If you are transferring the registration from an old car to a new one that was purchased from either a dealer or an individual, then you have 7 days after selling the previous vehicle to do so. Registering a car in Massachusetts may seem complex at first glance.

Buying Automobile Insurance

In Massachusetts, only 3.5% of drivers are not insured, making it the second lowest in the country. This is largely due to the stringent laws regarding car insurance. To register a vehicle, you must provide evidence of insurance; visiting an independent agency can help you decide which type of coverage is best for your needs. Comparing quotes between different companies online is one way to find the best rates; alternatively, having an independent agent compare quotes on your behalf may save time and effort.

The representatives of Vargas & Vargas Insurance collaborate with numerous insurance companies to offer our clients the most economical rates on the market.

Registering Your Vehicle With the Massachusetts RMV

Once you have purchased your automobile insurance policy, you can now register your car at the RMV. Make sure to bring all the necessary items with you in order to complete the registration process successfully.

What Is Needed for Auto Insurance

Registration and Title Application: This document is needed for all registration transactions, such as out-of-state vehicle transfers and new vehicle registrations. It can be obtained from the RMV in person or downloaded online and must be completely filled out with a signature from your insurance provider. The form will have details about other documents that may be required, like lien holder info. You need to present valid identification that could include a driver’s license, Massachusetts ID or social security number. Additionally, your registration and title application should contain your auto insurance information along with an insurance stamp and signature.

Proof of ownership: Your title is generally an indication of possession. If you have obtained a loan to buy the car, the title would stay with your lender until you settle the debt. In this situation, your registration will stand in its place.

Required Costs: The fee for a certificate of title is $75 and the fundamental registration charge is $60. Unless other expenses are applicable, you can expect to pay close to $135 in total. After your application and related documents are processed, you will be issued vehicle registration and plates. The certificate of title will be processed and sent via mail within 6 to 8 weeks. If the car is under a financial obligation, the title will be transferred to the lender.

Get Your Car Inspected

Once your registration is complete, you have 7 calendar days to get your vehicle inspected. All vehicles registered in Massachusetts must pass a yearly inspection. The inspection typically costs $35 but could be more for a commercial vehicle.

Once you finish signing up, you have a week to have your vehicle checked. All cars registered in Massachusetts must go through an annual inspection. The cost of the assessment is usually $35 but may be more for a commercial car. Massachusetts has 1,800 approved inspection centers. To find one near you, search the Inspection Station Locator online. If your automobile passes the examination, you will get a vehicle inspection sticker that is valid for 12 months. A temporary “fail” sticker will be issued if it doesn’t pass and drivers must make repairs within 60 days and get it re-inspected.

Your Local Independent Insurance Broker

Registering your car correctly is essential to avoid hefty fines and sanctions. Getting your vehicle registered in Massachusetts begins with obtaining the right auto insurance plan. Car insurance is a beneficial asset that can guard you and your automobile. Contact Vargas & Vargas Insurance to find out more about acquiring an insurance policy that meets your needs at a reasonable cost.