Hoya Insurance Agency

Hoya Insurance Agency We specialize in risk management and business insurance, empowering new immigrants and minority entrepreneurs to thrive in the U.S. Live, Love & Laugh!

business landscape. 企業風險管理,保駕護航。 Hoya Insurance offers insurance solutions for Businesses, Individuals and Families. Our coverage options include Commercial, Home, Health, Life and Auto. We can cover any kind risk that you might have. We work with multiple A+ carrier to find you the best quote with the coverage that you need. We only work with the highest rated companies so you can be sure your co

verage and service will be reliable and friendly. We are here to service you and bring our knowledge and prepare you & your family or business for any unforeseen future and live life fully!

限量款「守護公仔」 - Meet the guardian behind your peace of mind — now in collectible form!From bold suits to superhero capes, ev...
04/08/2025

限量款「守護公仔」 - Meet the guardian behind your peace of mind — now in collectible form!

From bold suits to superhero capes, every detail of these figures tells the story of trust, strength, and heart.

Whether it’s analyzing policies or protecting your future, we’re always on your side.

Guarding your business and loved ones — every step of the way.

Honored to be invited as a speaker at yesterday’s 🔥 Wildfire Insurance Seminar, hosted by the Taiwanese-American Chamber...
03/10/2025

Honored to be invited as a speaker at yesterday’s 🔥 Wildfire Insurance Seminar, hosted by the Taiwanese-American Chamber of Commerce of Greater Los Angeles (TACCLA)! 💼 It was a fantastic opportunity to share insights on wildfire risks in Los Angeles and essential insurance strategies for protection.

A sincere thank you to everyone who attended and engaged in the discussion—your participation helps strengthen the resilience of businesses and property owners. Looking forward to more meaningful events in the future!

沒有一天不是學習的好時機 👍 歡迎大家來聽免費的公益講座 ~ Free seminar alert! Because learning never goes out of style—and let’s be honest, your br...
03/03/2025

沒有一天不是學習的好時機 👍 歡迎大家來聽免費的公益講座 ~ Free seminar alert! Because learning never goes out of style—and let’s be honest, your brain could use a little workout. See you there! 🤓🤨💪💪

🌟 Important Tips for Wildfire Victims 🌟Wildfires have caused devastating losses across California. 🏠 Samantha Yu from Ho...
01/11/2025

🌟 Important Tips for Wildfire Victims 🌟

Wildfires have caused devastating losses across California. 🏠 Samantha Yu from Hoya Insurance Agency shares 5 essential steps to ensure you claim your insurance benefits effectively:

1️⃣ Document all damages immediately.
2️⃣ File your claims as soon as possible.
3️⃣ Understand key coverages like “Loss of Use.”
4️⃣ Advocate for fair policies and reforms like the FAIR Plan.
5️⃣ Stay informed about your insurance rights.

Let’s work together to rebuild and support our community. 💪 Check your policy and take action now!

火災後理賠及風險規劃
01/10/2025

火災後理賠及風險規劃

火災後報案的五個步驟
01/10/2025

火災後報案的五個步驟

南加地區7日開始的極端天氣,造成較大破壞;由於保險市場緊縮,連續有大型保險公司停止承保,甚至取消既有客戶保單,引發新一波...

01/09/2025

加州史上最慘重野火 如何獲得災後理賠 ?

2025年1月7日的野火已造成兩人死亡,摧毀超過1,000棟建築,超過80,000名居民被迫撤離,另有28,000多棟建築處於危險之中。火災原因仍在調查中。總統喬·拜登敦促居民保持警惕並遵從當地官員的指示,聯邦緊急事務管理局(FEMA)已提供資金協助撲火。

隨著氣候變化導致自然災害的頻率和強度增加,加州的保險市場壓力日益加劇。許多地區被標註為「基本上無法保險」,居民被迫選擇成本更高但保障有限的加州公平計劃(FAIR Plan)。為緩解這一問題,加州近期推出改革措施,要求保險公司在高風險地區逐步提高承保率至85%,但保費可能因此上漲40%。

例如,聖蓋博谷北部山區的居民在經歷野火後,發現保險被取消甚至無法獲得新保單,有些家庭不得不依靠眾籌彌補損失,進一步暴露了現有保險體系的不足。

火災後理賠與風險管理經驗分享

富達保險(Hoya Insurance Agency)資深保險規劃師游蕙綾(Samantha Yu)分享了火災後理賠的五大步驟,幫助居民有效應對突發狀況:
1. 立即聯繫保險公司
火災發生後,應儘早向保險公司報案並啟動理賠程序,即使損失尚未完全確認也應及時行動。
2. 保存損壞證據
• 拍攝或錄影受損的房屋及財物狀況
• 索取消防局的火災調查報告,這是保險公司核定賠償的重要依據
3. 防止次生損害
進行必要的修復措施(如覆蓋破損的屋頂或修補窗戶),避免損害擴大,並保存修復費用收據以便申請報銷。
4. 參與損失評估
與保險公司的理賠專員合作,確保損失被完整記錄,避免後續爭議。
5. 確認額外生活費用補償(ALE)
如果住所因火災無法居住,可向保險公司申請額外生活費用補償,例如住宿和餐飲費用。

應對高風險地區保險問題的建議

游蕙綾(Samantha Yu)同時提出以下建議,幫助高風險地區的居民應對保險挑戰:
1. 尋求替代保險方案
如果保單被取消,應聯繫保險經紀人了解其他選項,包括加州公平計劃(FAIR Plan),並定期檢視現有保單的保障範圍。
2. 提升火災防禦能力
主動採取減少風險的措施,例如清理住宅周圍的可燃物、使用防火材料或設置防火緩衝區。這些行動可能降低保費並增加承保可能性。
3. 設計全面保障計劃
選擇保單時需特別關注以下保障內容:
• 替換成本價值(Replacement Cost Value, RCV)
• 延伸替換成本保障(Extended Replacement Cost Coverage)
• 建築法規覆蓋(Building Ordinance Coverage)
• 使用損失覆蓋(Loss of Use Coverage)

專業觀點與提醒

富達保險(Hoya Insurance Agency)資深保險規劃師游蕙綾(Samantha Yu)表示:
「火災風險正成為居民無法忽視的挑戰。透過正確的保險規劃和風險管理,家庭可以有效降低災害損失並保障財務穩定。」

她建議居民定期檢視保單條款,確保保障範圍足夠應對突發事件,同時採取主動措施降低風險。她還呼籲保險行業與政府共同努力,為高風險地區的居民提供更多支持,減少經濟壓力,並建立更完善的安全網。

這些建議為居民提供了實用的應對指南,也提醒大家及早做好準備,確保家庭和財務安全面對未來的風險挑戰。

California Wildfire Recovery TipsLost in the aftermath of the wildfire?1️⃣ Report damages quickly.2️⃣ Document everythin...
01/09/2025

California Wildfire Recovery Tips

Lost in the aftermath of the wildfire?

1️⃣ Report damages quickly.
2️⃣ Document everything.
3️⃣ Prevent further harm & save receipts.

Stay prepared and protect your future.

It’s exhausting to travel regularly to other states for work, but the sense of accomplishment makes it all worthwhile! 👍
12/07/2024

It’s exhausting to travel regularly to other states for work, but the sense of accomplishment makes it all worthwhile! 👍

Over the past 25 years, our company has specialized in commercial insurance. We invite you to take advantage of our free...
11/08/2024

Over the past 25 years, our company has specialized in commercial insurance. We invite you to take advantage of our free consultation and quotation services.

Happy Mid-Autumn Festival!  May your efforts blossom into fulfillment, and your days be filled with peace and love.願所有努力...
09/17/2024

Happy Mid-Autumn Festival!
May your efforts blossom into fulfillment, and your days be filled with peace and love.

願所有努力生活的人,
花好月圓,諸事順遂,
生活一年勝一年 🫶

Address

8812 E. Las Tunas Drive
San Gabriel, CA
91776

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm
Saturday 9am - 1pm

Telephone

+16267933800

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