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Mutual Point Insurance

Insurance — Totally Hassle-Free

The Mutual Point Difference

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We Work Directly with Your Lender

When you’re purchasing or refinancing your home, you already have a lot to manage. We work directly with your lender to ensure they’ve got what they need to get your loan finalized as quickly and smoothly as possible. And if you work with Barrett Financial as your lender, we can simplify the process even more by sharing (with your permission) certain needed info between the two companies.

We Comparison Shop Insurance Quotes

Finding great insurance usually means getting quotes from a bunch of insurance companies. That process can be time consuming and painful. That’s why we at Mutual Point Insurance comparison shop insurance quotes for you! As an independent insurance agency, we compare coverage and rates with up to 15 top insurance companies.

Customer Reviews

Peter Speltz
Peter Speltz
December 18, 2023
Marinda was great and easy to work with.
Kerrin Smith
Kerrin Smith
November 27, 2023
Let me say first, that we don't change allegiances lightly. When we commit to someone, we usually stay with them unless they give us a reason not to. We have multiple policies and it is not simple to change. Our rates, like everyone's kept going up with our previous servicer, even though we'd had no claims. It was time to look at options. We've learned over the years that the lowest price rarely comes with much in the way of service, so you have to investigate and find a balance. I'm like a lot of people, I want to recognize the name of the company I work with, but there are so many choices now. As a broker, Marinda helped us work through pricing, but she also checked the ratings of the carriers and followed up to make sure mortgage servicing companies were informed of changes. Marinda is a tenacious, hard working, kind, patient professional with a sense of humor and a great laugh. She's sincere and diligent about her work for Mutual Point and reaches out when she thinks there is a change that might benefit us. I can recommend Mutual Point, the quality and service are hard to compare with.
Peter Bina
Peter Bina
November 19, 2023
Helpful, knowledgeable, responsive to requests and insurance needs
Crystal Phan
Crystal Phan
October 27, 2023
Marinda Dobbs is my go to. She was referred to me and she has gone above and beyond to help. My first experience with her was for Mexico insurance. Recently, she went out of her way to look at 3 other contacts to get me insurance for my new business flipping houses. She is very friendly and communicates in the format and time that I need - calls, emails, and texts. Super excited to have her on my side. Would highly recommend her.
Aaron Zeper
Aaron Zeper
August 17, 2023
My car insurance premium increased dramatically with no claims, causing me to find an alternative. I was introduced to Marinda who provided a number of options saving me thousands and was extremely easy to work with. I highly recommend Marinda, and have already referred one coworker.
Charles Roberto
Charles Roberto
August 4, 2023
Marinda was great to work with for HOI
Ven Beat
Ven Beat
January 1, 2023
Was great worked with me when I was busy and made time for my calls when I was avaliable. Got me my information quick.
Heather Jones
Heather Jones
December 19, 2022
Eric was able to quote me with different options. The one I chose he was able to adjust everything to my liking. Great doing business with!

Meet Our Team

Marinda Dodds

Marinda Dodds / Independent Agent

My name is Marinda Dodds. I am your licensed insurance agent at Mutual Point Insurance. As a licensed insurance professional, I pride myself on using my 12 years of industry experience to provide all my clients with the very best service and coverage at competitive rates. I strive to develop relationships based on honesty and hard work. I will use all the available resources I have to make sure you not only get the most responsive service but also the correct coverage for all your needs. I look forward to helping you feel confident that in any circumstance you are covered and cared for.

Common Insurance Questions

How does insurance work?

In basic form, insurance is a transfer of risk from one party to another. For example, you can transfer the risk of causing a costly car accident to an auto insurance company. In return, you must pay the company a fee, known as a premium. The premium is paid whether or not you actually have an accident. This is how an insurance company can afford to pay large claims. By pooling the risk of many drivers, each paying a premium, the company can cover the cost of those drivers that do have accidents in a given year.

What does it mean to be an “independent” insurance agency?

Most insurance companies you hear about (the ones that advertise heavily), are either “captive” or “direct” insurance companies. That means, they typically only offer coverage from one brand of insurance – their own. In comparison, an independent insurance agent offers coverage from multiple insurance brands, mixing and matching coverage and companies to meet the needs of the customer.

What is an insurance deductible?

An insurance deductible is the amount of a loss you agree to cover before your insurance coverage becomes effective. This could be as little as a few hundred dollars up to several thousand dollars, depending on your needs. Generally, as your deductible increases, your premium decreases. That’s because it reduces the amount paid by the insurance company but, mostly, it reduces the amount of small claims that an insurance company must respond to, saving administrative and payroll costs.

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