Hoya Insurance Agency

626-793-3800

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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. General - How can I make a payment?
  2. Business - Is Workers Comp required by law?
  3. Business - What is Credit Insurance?
  4. Personal - Auto - If someone else is driving my car, are they covered by my insurance?
  5. Personal - Home - Does my homeowner policy include Earthquake Coverage?
General - How can I make a payment?
Online payment options are coming in the near future.  Until they arrive, please call our office during business hours to arrange payments.  To ensure continued coverage, make sure to call well in advance of any payment due dates.

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Business - Is Workers Comp required by law?
Yes!  If you one or more employees, you must carry Workers Compensation coverage.  It's not as expensive as you might think, and it will protect your business from lawsuits and enforcement penalties.  Our friendly staff can help find the right coverage for your business.

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Business - What is Credit Insurance?
Credit Insurance protects you if one of your customers fails to meet their financial obligations.  For example, if one of your customers orders one million dollars worth of merchandise, but then is unable to pay the full amount, Credit Insurance will cover the difference (depending on the level of coverage you select).  In harsh economic times like these, Credit Insurance is a must.

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Personal - Auto - If someone else is driving my car, are they covered by my insurance?
Yes!  Anyone you give permission to drive your automobile is automatically covered under most policies.  There are exclusions for roommates and special circumstances.  Be sure to call us if you have any questions about coverage.

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Personal - Home - Does my homeowner policy include Earthquake Coverage?
Probably not.  Most standard Homeowner policies DO NOT cover Earthquake damage.  Living in California, Earthquakes are almost expected.  The only way to make sure you are covered is to purchase separate coverage.  Don't expect Government disaster funds to cover you.  Government funds are limited, require specific actions and can take a long time to reach your bank account.  Call us for more information about protecting your biggest investment.

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Hoya Insurance Agency, Inc.
8812 E. Las Tunas Drive
San Gabriel, CA 91776
626-793-3800



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