Contact Us

Email

Patrick@phminsurance.net

Phone

(661) 702-9125

Address

25115 Avenue Stanford
Suite B118.
Valencia, CA 91355

Frequently Asked Questions

Am I covered if I rent a car?

Car rental companies charge daily fees for their own insurance to damages in your rental agreement. However, it is possible that your current auto policy provides rental car coverage. This typically varies by state though, so check your policy or contact your agent for more details.

What does home insurance cover?

Unless the cause of loss is excluded in the policy, a homeowners policy provides coverage for personal liability, medical payments to others, and accidental direct physical loss to your dwelling.

In addition, the policy provides coverage for your personal property for specific perils including, but not limited to:

– Fire
– Lightning
– Windstorm
– Hail
– Theft

How much life insurance do I need?

Determining how much life insurance you need requires an examination of your current and future financial obligations, along with the resources your family could tap.

Your future obligations are a combination of what it would cost to help your surviving family members meet immediate and ongoing needs like funeral costs, taxes, food, clothing, utilities, mortgage payments, and your future obligations like college and retirement funding.

What is a deductible?

A deductible is the dollar amount you’ve agreed to pay out of your own pocket before your insurance policy kicks in and starts paying the bills.