Flood Insurance

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Why You’re Paying 3x More Than Your Neighbor

Are you paying $600 more than your neighbor for flood insurance and not even know it? In Pelham, Alabama, two homes on the same...

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Why You’re Paying 3x More Than Your Neighbor

Are you paying $600 more than your neighbor for flood insurance and not even know it? In Pelham, Alabama, two homes on the same...

Navigating Rising Rates and New Maps

Have you opened your 2026 flood insurance renewal and felt a pit in your stomach?Are you unsure whether your new rate is fair...

What Is the FEMA 50% Rule in Flood Insurance?

For producers, insurance agents, and other professionals offering flood coverage, understanding the FEMA 50% rule is essential for guiding clients accurately and avoiding...

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Getting your Fireplace or Wood Stove Ready | Blog | Vargas & Vargas Insurance

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How to Read Your Declarations Page(s) | Blog | Vargas & Vargas Insurance

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Fire Hazards in Your House | Blog

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Fire hazards are everywhere. Yet, we often ignore the danger, or, worse, we’re completely unaware of the lurking, imminent threat of fire...

Flashback: Fallen Leaves in Autumn Leave You Liable! | Blog

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In addition, during the fall, the sun rises later, sets earlier, and often brings foggy days.  This limited exposure to sunshine does...

Turn Back The Clocks; Turn Back Time | Blog

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This year, Daylight Savings Time ends at 2 a.m. on November 3rd.Turning back the clocks is a great reminder for some basic...

Comparing homeowner’s insurance and renter’s insurance | Blog

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When you make your home inventory, make sure that you include everything that you own, including items like electronics, furniture, clothing, and...

How to Prevent Frozen Pipes | Blog

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Fall may be in full swing, but for Northeasterners, winter weather is already here. This puts homeowners on high alert as lengthy...

How to Protect Your Packages | Blog

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However, one thing to consider is the deductible. Some deductibles are either $500.00 or $1,000.00. Since a renter has to pay the...

Lower Mills Holiday | Blog | Vargas & Vargas Insurance

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To Escrow or Not To Escrow? | Blog

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But there’s an important negative aspect to an escrow account.  The “set it and forget it” mentality that can easily set in.  That is,...

Invite Your Neighbors to The Party | Blog

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The idea behind this wisdom is that, if your party gets a little loud, your neighbors can’t possibly complain to you by...

4 Reasons Your Home Insurance Premium Increases. Number 2 Will SHOCK YOU! | Blog

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Anger arises due to the unfairness of this rate increase.“How dare they!” “Why are they doing this to me?”The anxiety is the...
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