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Author: Scott Boren

New Car Insurance: What Everyone Forgets Until They’re Sitting at the Dealership

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

New Car Insurance: What Everyone Forgets Until They’re Sitting at the Dealership You’ve done your homework. You’ve compared models online, watched dozens of YouTube reviews, and survived the awkward small talk during test drives. You’re ready to sign those papers and drive away! But wait—there’s one detail that often gets overlooked until the last minute: new car...

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Know Your Employment Practices Liability Coverage

Written by Scott Boren on . Posted in Business Insurance.

What Small Business Should Know About Employment Practices Liability What if an employee sues your business for an employment-related matter? Would you have protection? Do you know which coverage provides business protection from things like wrongful termination, discrimination, or sexual harassment? Most small business owners don’t know what insurance coverage protects them from...

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How to Dock a Boat (Without Becoming a Viral Video)

Written by Scott Boren on . Posted in Adventure.

How to Dock a Boat (Without Becoming a Viral Video) Learning how to dock a boat is the maritime equivalent of a high-wire act—performed with an attentive marina audience. It’s that moment when your casual day on the water transforms into a test of precision as you guide several tons of fiberglass into a space barely larger than the boat itself. Think about it: nobody gathers around to...

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Do You Really Need Boat Insurance? (The Answer Won’t Make You Squirm)

Written by Scott Boren on . Posted in Adventure.

Do You Really Need Boat Insurance? (The Answer Won’t Make You Squirm) Do you need boat insurance? If you’re reading this, you’re probably weighing whether that extra monthly expense is worth it – or if it’s just another financial anchor dragging behind your new seafaring investment. Here’s what might surprise you: In 48 states, there’s no legal requirement to...

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Right to Refuse Service

Right to Refuse Service: What Every Business Owner Needs to Know

Written by Scott Boren on . Posted in Business Insurance.

Right to Refuse Service: What Every Business Owner Needs to Know “We reserve the right to refuse service to anyone.” You’ve seen the sign. Perhaps you’ve even posted one in your own establishment. But can a business refuse service legally? And more importantly, should they? Jack Phillips, owner of Masterpiece Cakeshop in Colorado, learned the hard way that refusing...

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How Much Does Boat Insurance Cost

How Much Does Boat Insurance Cost? A Complete Guide for Boaters

Written by Scott Boren on . Posted in Adventure.

How Much Does Boat Insurance Cost? A Complete Guide for Boaters You bought a boat for the ultimate freedom. Those perfect moments when it’s just you, the open water, and endless possibility. Then reality check — “how much does boat insurance cost?” Suddenly, it’s not all wind in your hair and the horizon stretching out before you. It’s not all that bad. Freedom...

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Do I Need Mexico Auto Insurance? What You Need to Know Before You Go

Written by Scott Boren on . Posted in Mexico Tourism.

Do I Need Mexico Auto Insurance? What You Need to Know Before You Go Many U.S. drivers planning their first trip to Mexico ask, “Do I need Mexico auto insurance?” The short answer is yes—not only for your protection but because it’s legally required. There are many misconceptions about driving in Mexico, from believing that your U.S. car insurance extends coverage across the border to...

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What is RV Insurance?

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

What is RV Insurance? You recently purchased an RV or travel trailer, and you’ll need RV insurance. But you have questions. First, what is RV insurance? What makes it different from your auto insurance? Well, like your car insurance, RV insurance is an agreement between you and your insurance company to protect your motorhome, travel trailer, camper, or fifth wheel for a premium....

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Make Life Insurance Your First Purchase

Written by Scott Boren on . Posted in Life Insurance.

Why You Should Make Life Insurance Your First Purchase I remember getting my first real job. Having a steady, good-paying job made me feel grown up. I wasted no time running out to buy a new car. My old bucket just wasn’t going to do it for me any longer. But that wasn’t the best way to invest my new income. Don’t do what I did. I was quickly making all the big financial...

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insurance declarations page

What Is an Insurance Declarations Page? (And Why You Should Read It)

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

What Is an Insurance Declarations Page? (And Why You Should Read It) Most people file their insurance declarations page away without reading it. Not because they’re lazy – but because they don’t realize they’re overlooking the single most important document in their policy document package. Let’s be real – if you only read one page of your entire policy, make it the...

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