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Author: Scott Boren

Actual Cash Value Auto Insurance

Actual Cash Value in Auto Insurance: Why It Affects Your Settlement

Written by Scott Boren on . Posted in Car Insurance 101.

Actual Cash Value in Auto Insurance: What It Means and Why It Affects Your Settlement You’ve just been in a serious accident. The car is totaled. You’re already dealing with the stress of the crash, the rental car, the rental car that smells like someone lived in it — and then your insurance company calls with a settlement offer. It’s less than you expected. A lot less....

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Older Cars Are Cheaper to Insure

The Age Question: Are Older Cars Really Cheaper to Insure?

Written by Scott Boren on . Posted in Car Insurance 101.

The Age Question: Are Older Cars Really Cheaper to Insure? Everyone “knows” that older cars are cheaper to insure. It’s one of those pieces of conventional wisdom that gets passed around confidently, frequently, and usually without much examination. Here’s the more honest answer: sometimes older cars are cheaper to insure. Sometimes they’re not. The difference...

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Financial Professional E&O Coverage

Financial Professional E&O Coverage: Why Your Professional License Changes Everything

Written by Scott Boren on . Posted in Business Insurance.

Financial Professional E&O Coverage: Why Your Professional License Changes Everything Most financial professionals assume their E&O coverage is fine. One policy looks like another. They all say “broad” and “comprehensive” on the marketing sheet. That assumption holds up fine — until you actually need to file a claim. Financial professional E&O coverage...

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California Fair Plan

What Is the California FAIR Plan (and Why It Exists)

Written by Scott Boren on . Posted in Home Insurance 101.

What Is the California FAIR Plan (and Why It Exists) Wildfires. Non-renewals. Headlines that make homeowners feel like they’re holding a ticking time bomb. If you own a home in California right now, you’ve probably heard the term California FAIR Plan tossed around like a lifeline. But what is the FAIR Plan, exactly? Is it good, bad, or just… the only thing left? Let’s break it down — in plain...

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Partnership with GEICO

IronPoint Insurance Services Announces New Partnership with GEICO

Written by Scott Boren on . Posted in News.

IronPoint Insurance Services Announces New Partnership with GEICO Irvine, CA – October 17, 2025 — IronPoint Insurance Services is proud to announce its newest carrier partnership with GEICO, one of the most recognized and respected names in the insurance industry. This collaboration marks a significant milestone in IronPoint’s continued effort to deliver greater choice, value, and service to...

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Mercury Insurance is Back

Mercury Insurance Is Back at IronPoint: A Return to Our Roots

Written by Scott Boren on . Posted in News.

Mercury Insurance Is Back at IronPoint: A Return to Our Roots Some news feels more like a reunion than an announcement. For us at IronPoint, bringing Mercury Insurance back into the fold is exactly that—a reunion with one of the carriers that helped shape our earliest days. Back in 2010, when IronPoint was little more than a scrappy startup insurance agency with more hustle than polish,...

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Halloween Pet Safety

Halloween Pet Safety: Keep Your Furry Sidekick Out of the ER

Written by Scott Boren on . Posted in Pet Insurance.

Halloween Pet Safety: Keep Your Furry Sidekick Out of the ER Halloween is all fun and games… until your dog thinks the candy bowl is an all-you-can-eat buffet or your cat decides the fake cobwebs are their new jungle gym. That’s why a little Halloween pet safety goes a long way. What makes October 31 magical for humans—costumes, candy, chaos—can be a nightmare for pets. From toxic treats to...

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Texas Auto Insurance Claims

Texas Auto Insurance Claims: Why Texas Has the Second-Highest Denial Rate

Written by Scott Boren on . Posted in Car Insurance 101.

Texas Auto Insurance Claims: Does Texas Have a High Denial Rate? Here’s a Texas-sized headache you probably didn’t see coming: Texas auto insurance claims get denied more often here than almost anywhere else. According to a Fox26 Houston report, Texas ranks second in the nation for denied auto claims. Nationwide, 5–10% of claims get rejected, and more than 4,200 Texans file complaints every...

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Pets and Holidays

Pets and Holidays – Keeping Your Furry Friends Safe Year-Round

Written by Scott Boren on . Posted in Pet Insurance.

Pets and Holidays – Keeping Your Furry Friends Safe Year-Round Your dog thinks chocolate is a gift from the gods. Your cat believes tinsel was invented specifically for their amusement. And that New Year’s Eve fireworks display? To your pets, it sounds like the world is ending. Pets and holidays are a wonderful thing, but it can also be a time of stress for the family pet — and owner....

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Car Insurance in Utah

Guide to Car Insurance in Utah (And Why It’s Not Like Anywhere Else)

Written by Scott Boren on . Posted in Car Insurance 101.

Your Guide to Car Insurance in Utah (Why It’s Not Like Anywhere Else) Driving and car insurance in Utah isn’t like anywhere else. And no, that’s not some cheesy tourism board slogan. It’s a cold, hard fact backed up by insurance claims data, weather reports, and anyone who’s ever white-knuckled their way down Parley’s Canyon in a snowstorm. Utah serves up a...

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