Pinoy General Insurance Services

Pinoy General Insurance Services We are an independent insurance agency serving people's insurance needs since 1993. We serve all types of insurance and represent plenty of companies.

Call us today to let us help you with your needs!

March recap: What we covered this month at Pinoy General Insurance✓ Teen driver insurance strategies (save 20-40%)✓ Spri...
03/30/2026

March recap: What we covered this month at Pinoy General Insurance

✓ Teen driver insurance strategies (save 20-40%)
✓ Spring home maintenance that prevents claims
✓ Tax-deductible insurance premiums
✓ Business insurance essentials
✓ Life insurance coverage calculations

April preview:

Next month: Wildfire season prep, spring travel insurance, umbrella policies, and more.

Thanks for following along! Have insurance questions? We're here to help.
📞 (562) 402-1737
📍 17304 Norwalk Blvd, Cerritos, CA 90703

NEW BLOG POST: Tax-Advantaged Insurance Strategies for High EarnersIf you're in a high tax bracket, you're likely missin...
03/30/2026

NEW BLOG POST: Tax-Advantaged Insurance Strategies for High Earners

If you're in a high tax bracket, you're likely missing opportunities to use insurance for tax advantages:

-Self-employed health insurance deduction
-HSA maximization strategies
-Life insurance as tax-free wealth transfer
-Long-term care insurance tax benefits
-Premium financing for estate planning

Our latest blog post breaks down each strategy with real examples and tax savings calculations.

Read the full guide: https://pinoygeneralinsurance.com/tax-advantaged-insurance-strategies-for-high-earners-in-california

Questions about insurance and tax strategy?
📞 (562) 402-1737
📧 [email protected]

Pinoy General Insurance | Cerritos, CA
Serving Southern California since 1993

03/26/2026

Quick poll: When's the last time you reviewed your insurance policies?

A) Within the past year
B) 1-2 years ago
C) 2-5 years ago
D) Can't remember 😬

If you answered C or D, it's time for a review. Insurance needs change as life changes:

-Income increases
-New vehicles, home improvements
-Children, marriages, major purchases
-Business growth

Free policy review:
📞 (562) 402-1737
📍 17304 Norwalk Blvd, Cerritos, CA 90703

We'll identify gaps, find savings, and ensure you're properly protected.

Most people buy life insurance for the wrong amount.Common mistake: "I'll just get $250,000. That sounds like a lot."The...
03/23/2026

Most people buy life insurance for the wrong amount.

Common mistake: "I'll just get $250,000. That sounds like a lot."

The reality: $250,000 covers maybe 2-3 years of expenses for most families.

The right formula: 10-12 times your annual income

Example:
Annual income: $75,000
Recommended coverage: $750,000-$900,000
Cost: $50-$80/month for a healthy 35-year-old

Why this amount:
Invested at 5% return, it replaces your income indefinitely without depleting principal.

Don't guess. Calculate what your family actually needs.

Free life insurance consultation:
📞 (562) 402-1737
pinoygeneralinsurance.com

Happy First Day of Spring! 🌸Spring is the perfect time for fresh starts—including reviewing your insurance.Spring Insura...
03/19/2026

Happy First Day of Spring! 🌸

Spring is the perfect time for fresh starts—including reviewing your insurance.

Spring Insurance Checklist:
□ Review auto policy (updated mileage? New drivers?)
□ Check home coverage (keeping pace with construction costs?)
□ Confirm life insurance is adequate
□ Verify business insurance matches current revenue
□ Shop quotes from multiple carriers (last time was 2+ years ago?)

Schedule your FREE spring insurance review:
📞 (562) 402-1737
📧 [email protected]
📍 17304 Norwalk Blvd, Cerritos, CA 90703

We'll identify gaps, find savings, and ensure you're properly protected.

Turning 65 soon? Medicare doesn't cover everything.What Medicare Part A + B don't cover:-Deductibles and copayments-Fore...
03/18/2026

Turning 65 soon? Medicare doesn't cover everything.

What Medicare Part A + B don't cover:

-Deductibles and copayments
-Foreign travel emergency care
-Dental, vision, hearing
-Long-term care

The solution: Medicare Supplement (Medigap) insurance

Cost in California: $100-$300/month depending on plan and age

When to buy: During your 6-month Medigap Open Enrollment (starts when you turn 65 and enroll in Part B)

Why timing matters: After this window, you can be denied for pre-existing conditions.

Free Medicare supplement consultation:
📞 (562) 402-1737
Pinoy General Insurance | Cerritos, CA

Side hustle? Gig work? Freelancing?Your personal insurance doesn't cover business activities.Examples of what's NOT cove...
03/16/2026

Side hustle? Gig work? Freelancing?

Your personal insurance doesn't cover business activities.

Examples of what's NOT covered:

Etsy/handmade goods - Product liability if someone gets hurt using your product
Photography - Professional liability if you miss key shots at a wedding
Consulting - E&O liability if your advice causes client financial loss
Rideshare/Delivery - Auto accidents while driving for Uber/DoorDash

The solution: Business insurance or endorsements (often $200-800/year)

The cost of being uninsured: $50,000-$200,000 in legal fees + settlements

Don't let your side hustle become a financial liability.

📞 (562) 402-1737
📧 [email protected]
📍 Cerritos, CA

Quick insurance question:If you work from home, does your auto insurance know you're driving less?If you updated your an...
03/12/2026

Quick insurance question:

If you work from home, does your auto insurance know you're driving less?

If you updated your annual mileage from 15,000 to 7,000 miles/year, you could save 5-15% on your premium.

Example:
Auto premium: $1,400/year
Low mileage discount (10%): $140/year savings

It takes 2 minutes to update. Call your agent today.

Or call us and we'll review your mileage AND compare rates from 15+ carriers to make sure you're getting the best deal.

📞 (562) 402-1737
pinoygeneralinsurance.com

Spring maintenance isn't just about curb appeal—it's about preventing insurance claims.5 Tasks That Prevent Claims:1. Cl...
03/09/2026

Spring maintenance isn't just about curb appeal—it's about preventing insurance claims.

5 Tasks That Prevent Claims:

1. Clean Gutters - Clogged gutters → water damage → denied claim for "neglected maintenance"
2. Inspect Roof - Catch issues before they become $15,000 repairs
3. Trim Trees - Remove dead branches before they fall on your house
4. Check Drainage - Water should flow AWAY from your foundation
5. Test Sump Pump - Make sure it works before you need it

Taking photos of completed maintenance? Smart move.

That's proof you maintained your property if you ever need to file a claim.

Need home insurance guidance? We're here to help.
📞 (562) 402-1737
📍 17304 Norwalk Blvd, Cerritos, CA 90703

Parents: Did you know adding your teen driver to your auto insurance increases your premium by 50-100%?But you can reduc...
03/05/2026

Parents: Did you know adding your teen driver to your auto insurance increases your premium by 50-100%?

But you can reduce that increase with these strategies:

-Good Student Discount - Maintain B average, save 10-25%
Defensive Driving Course - Save 5-15%
-Choose the Right Vehicle - Honda Accord vs. Mustang GT = $1,800/year difference
-Shop Multiple Carriers - Quotes vary $600-$1,500 for identical coverage

We've been helping Cerritos families insure teen drivers for 30+ years. We know how to save you money while keeping them properly protected.

📞 (562) 402-1737 | pinoygeneralinsurance.com
📍 17304 Norwalk Blvd, Cerritos, CA 90703

March is here—and with it comes spring maintenance, teen drivers getting their licenses, and tax season deadlines.This m...
03/02/2026

March is here—and with it comes spring maintenance, teen drivers getting their licenses, and tax season deadlines.

This month at Pinoy General Insurance, we're focusing on:
✓ Insuring teen drivers (without breaking the bank)
✓ Spring home maintenance that prevents claims
✓ Tax-deductible insurance premiums
✓ Protecting your family for spring break travel

Follow along for tips, guides, and savings strategies all month.

📍 17304 Norwalk Blvd, Cerritos, CA 90703
📞 (562) 402-1737

02/26/2026

The February edition of "The Coverage Corner" newsletter just went out!
This month's topics:

- The 3 coverage gaps we're finding in every policy review
- Life insurance guide for young families
- Winter storm protection tips
- Q&A: Your insurance questions answered

Not subscribed yet? Sign up at pinoygeneralinsurance.com and get exclusive insurance insights delivered monthly—plus access to our free resource library.

Questions? Call us: (562) 402-1737
📍 17304 Norwalk Blvd, Cerritos, CA 90703

Address

17304 Norwalk Boulevard
Cerritos, CA
90703

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 12pm

Telephone

+15624021737

Website

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