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Author: Scott Boren

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...

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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...

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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...

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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...

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Personal Liability Insurance

Personal Liability Insurance: Your Secret Weapon Against Life’s “Oops” Moments

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

Personal Liability Insurance: Your Secret Weapon Against Life’s “Oops” Moments Personal liability insurance might be the most underappreciated superhero in your financial protection arsenal. It’s that quiet guardian that steps in when your dog decides the mailman looks delicious, or your teenager’s baseball shatters your neighbor’s priceless stained glass...

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How Much Home Insurance

How Much Home Insurance Do You Actually Need? (And Why 78% of Homeowners Get It Wrong)

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

How Much Home Insurance Do You Actually Need? (And Why 78% of Homeowners Get It Wrong) Do you know how much home insurance you really need to protect everything you’ve worked for? Most homeowners don’t… and that’s a problem. Here’s why: When disaster strikes, the difference between adequate coverage and being underinsured isn’t just a number on a policy —...

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How Does Home Insurance Work?

How Does Home Insurance Work? The Survival Guide They Never Gave You

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

How Does Home Insurance Work? The Survival Guide They Never Gave You How does home insurance work? That nagging question lurks in your brain like a mysterious Tupperware container in the back of your fridge. You know you should deal with it, but why ruin a perfect day of procrastination? Then BAM! You’re signing mortgage papers and your lender drops the home insurance bomb: “No...

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Had an Accident? Learn How to File an Auto Insurance Claim

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

Had an Accident? Learn How to File an Auto Insurance Claim An auto insurance claim is a formal request to your insurer for financial compensation after a covered loss — whether that’s a collision, theft, vandalism, or weather damage. The process is consistent across most insurers, even if the details vary. What follows is what you need to know at each stage. Steps for Filing a Car...

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Personal Injury Protection and Medical Payments

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

What is Personal Injury Protection Insurance (PIP)? Most people think auto insurance is about the car. It’s not. Well, not entirely. Your car gets fixed. Your body — and your bank account — are a different story. Medical bills don’t pause while fault gets sorted out. Neither does your rent, your childcare, or your job. That’s exactly what Personal Injury Protection (PIP) is...

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Uninsured and Underinsured Motorist Coverage: What It Is and Why It Matters

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

Uninsured and Underinsured Motorist Coverage: What It Is and Why It Matters Every time you pull out of your driveway, you’re sharing the road with drivers you know nothing about. Their driving record. Their financial situation. Whether they bothered to buy car insurance at all. That last one matters more than most people realize. According to the Insurance Information Institute, roughly...

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