Skip to main content

Author: Scott Boren

Kid’s Screen Time: How to Take Back Control Without Losing Your Mind

Written by Scott Boren on . Posted in Family, Lifestyle & Home.

Kid’s Screen Time: How to Take Back Control Without Losing Your Mind It’s 7:43 a.m. You’re already late. Backpacks are half-packed, breakfast is congealing on plates, and your nine-year-old is locked in mortal combat with a tablet you’ll definitely regret handing over “just for five minutes” twenty minutes ago. You ask nicely. You ask firmly. You...

Continue reading

What Really Happens If a Friend Crashes Your Car?

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

What Really Happens When a Friend Crashes Your Car? You lend the car because it’s what friends do. Maybe they just needed a quick run to the store, or their car was in the shop. Then comes the text you never want to see: “Hey… small problem.” That one message can turn a favor into a financial headache, because now you’re asking yourself the big-money question — who’s paying for this mess?...

Continue reading

How Does Life Insurance Work?

Written by Scott Boren on . Posted in Life Insurance.

Do You Really Know How Life Insurance Works? Life insurance is an important part of a family’s financial foundation – even more than auto or home insurance. Life insurance provides additional financial support to your family should you pass away. So, it’s pretty important that you understand how life insurance works. First, like other forms of insurance, you’ll start...

Continue reading

How Much Life Insurance Do I Need?

Written by Scott Boren on . Posted in Life Insurance.

How Much Life Insurance Do I Really Need? t would be great if there was a simple way to determine how much life insurance you need. There just isn’t. The reality is that this question is answered differently for each person. That being said, there are ways help determine the right amount of life insurance. A good place to start this analysis is to think about the financial gap that your...

Continue reading

Water Damage

Home Insurance and Water Damage: What’s Covered, What’s Not, and Why

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

Home Insurance and Water Damage: What’s Covered, What’s Not, and Why Water damage can turn your dream home into a nightmare—fast. It’s destructive, disruptive, and expensive. But when it comes to insurance coverage, the waters can get murky. Your policy isn’t as waterproof as you think. Imagine this: It’s 2 AM. You’re awakened by an ominous sound—somewhere...

Continue reading

How Much Does Life Insurance Cost?

Written by Scott Boren on . Posted in Life Insurance.

How Much Does Life Insurance Cost? If you’re considering buying life insurance, you may be asking yourself, “How much does life insurance cost?” In reality, life insurance is much more reasonable than you may think. In fact, some life insurance cost estimates suggest a 10-year, $250,000 life insurance policy can be bought as low as $15 to $17 per month for a healthy...

Continue reading

Flood Insurance Basics

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

Understanding the Basics of a Flood Insurance Policy Your home insurance policy doesn’t cover water damage when it’s caused by a flood. In fact, it will likely have a specific exclusion for this type of damage. This means,  if you live in a designated flood zone, you’ll want to purchase a separate flood insurance policy. This can be done through the federal flood program or...

Continue reading

Cheapest Home Insurance: Are You Sure That’s What You Really Want?

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

Cheapest Home Insurance: Are You Sure That’s What You Really Want? So, you just Googled “cheapest home insurance.” I get it. Your mortgage payment is already sky-high, property taxes keep climbing, and now your home insurance premium is up for renewal at a rate that made you do a double-take. Finding the cheapest option seems like a no-brainer. But let me ask you...

Continue reading

First Time Home Buyer

The Brutally Honest Guide to Home Insurance for First Time Home Buyers

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

The Brutally Honest Guide to Home Insurance for First-Time Home Buyers First-time home buyers face a minefield of paperwork, decisions, and jargon that would make even a seasoned lawyer’s head spin. And somewhere between the champagne toast for your accepted offer and the moment you get those shiny new keys, you’ll encounter one of the most overlooked yet crucial elements of...

Continue reading

Home Insurance Cost

Home Insurance Cost: What You’re Really Paying For (And Why It Matters)

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

Home Insurance Cost: What You’re Really Paying For (And Why It Matters) Home insurance cost is the financial elephant in the room that most homeowners acknowledge with a grimace and a sigh before reluctantly writing that check. But understanding what drives those numbers can save you more than just a headache—it might actually save you some serious cash. Let’s face it: nobody...

Continue reading