The Most Dangerous Holiday?

Independence day is upon us. This is an exciting time of year with many people having a long weekend, celebrations across the country, hamburgers, hotdogs, grilling and cold beer & sodas, parades and fireworks. This is America’s independence day celebration. But there is also something else that independence day  is known for and that is the most dangerous holiday weekend of the year. Most of the deaths that occur on the 4th of July holiday are from car accidents and an LA Times newspaper article claims that July 3 and July 5 are the...

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Don’t Be Afraid

It is October and Halloween time! There will be little Ghosts and Goblins looking to scare you if you don’t give them a treat! At Policy Point Insurance we want to help you not to be afraid by giving you some good treats: Those of you with teenagers or if you know of someone who has teenagers that are about to get their drivers license… Don’t be afraid to let them get their license even if you think they are too immature to drive. In California to be eligible for a “good driver discount” you must be licensed for a minimum of 3...

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Any Major Life Changes? Time to Review

I trust everyone had a Great Labor Day weekend, and took the time to remember how fortunate are we to live in such a wonderful area (San Diego) where many tourists come for vacation. This weekend I noticed the beaches were full and saw many different license plates from other states of those who traveled here to spend their time off in paradise. Unfortunately, many times when you live here, you forget the beauty of what we have on a daily basis. I love to park on the beach and just watch the other people enjoying what we have all the time. In...

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Does the peach torte have nuts?

My wife and I had a business networking social to go to and we were supposed to bring something. My wife decides to make her soon-to-be-famous white peach torte. But then she looks at me and says, “Do I have to put a sign on it that says it contains almonds?” She was asking because she didn’t want anyone to get sick if they had a nut allergy. Then she giggles and says, “What kind of insurance policy would I need to cover my… torte?!” And she asks other questions too. Like “If the water heater in the...

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Personal Auto Insurance Classifications

I recently reviewed an auto insurance policy for a business owner. I discovered the auto had been misclassified which may be grounds for a claim to be denied. The business owner chose to stay with his “Big Named Company” in spite of the fact they set him up for big trouble. If you would like to have a free review of your policy, please contact us or complete our online auto insurance review request form. Here are some classifications you should be aware of:   Personal and Pleasure Vehicles classified in the personal or pleasurable...

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