PHP Insurance Services
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PHP Insurance Services
PHP insurance professionals use our knowledge and experience to assess your insurance needs, shop for the best value in coverage and provide options best suited to your situation and budget. We work with a variety of insurance companies to offer a broader understanding of company key benefits and offerings. When unfortunate life events happen, we stand by you to help with claims or offer alternate solutions.
Services
PHP Insurance Services, Inc. has grown substantially into one of Northern California's top full-service insurance brokerages and the leading Bay Area provider for insurance solutions among the Asian American community. Garnering over 20 years of experience providing the best choice from over 100 carriers for your unique insurance needs.
It covers medical bills, lost wages/income, pain and suffering, funeral expenses, and legal costs. This type of coverage is required in most states. This type of auto insurance coverage pays for damage to your car as a result of a collision with another vehicle. Collision insurance is optional unless your auto is financed (the lender will require you to have this).
When you think of homeowner's insurance, think "Protection." Most people simply cannot afford to rebuild their homes nor they have the financial ability to replace the valuable things inside. That is why home insurance is truly important. A homeowner's insurance policy can protect your home against damages that occur to the house itself and the belongings inside.
Renter's insurance protects you against liabilities that occur on properties that you rent/lease. Where you live can be an apartment or single family residence. Unforeseen injuries, break ins, and physical structure damage are some of the situations that your insurance may cover. Personal items include your clothing, furniture, electronics, etc. Refer to the limits included in your policy.
The condo association may not cover all events or liabilities that may occur in and around your condo. Break ins, water damage, or slip and falls may not be covered which opens you up to financial risk. Generally, condo insurance may cover your personal property and the interior of your condo. Damage to the interior of your condo resulting from fire/lightning/windstorm, smoke, vandalism, theft, and water damage may be covered.
Reviews (26)
Kim N.
Kim N.
Dec 06, 2021
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The girl with short hair and looks small very impolite and rude to customer. I dont know her name and I won't work with her again. A worm makes the soup pot!
Stas O.
Stas O.
Nov 17, 2021
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Tthanks! Prompt professional and easy had no issues with them. Nice and helpful crew.

Second time around using their service got covered California
John P.
John P.
Oct 22, 2021
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This place will rip you off on some "investment" but it's just a life insurance. These agents aren't even licensed to do investments I had to explain the difference between a Trad IRA and a Roth to a BROKER. Please do yourself a favor and find somewhere else that has people who know what they are talking about
Demi Gutkowski
Demi Gutkowski
Sep 06, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
I was extremely happy and satisfied with my decision to go with PHP Insurance Services Inc. Not only did I get an amazing rate with them, but I also got the best customer service I have ever got from any company! I recommend PHP Insurance Services Inc to anyone and everyone who loves great customer service and who loves saving money!
Ha T.
Ha T.
Apr 16, 2021
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Excellent service
Come and See / Professional works
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Excellent service
Come and See / Professional works
Tell friends and shares
Elizabeth M.
Elizabeth M.
Mar 25, 2021
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I don't think there anyone who likes to pay insurance policy's lol but overall been with this company for 8 years and although sometimes they drop the ball over all they are great at reminding you about payments before your policy expires . Wish they wouldn't wait that long but over all thanks for keeping me insured
Darin Howard
Darin Howard
Aug 21, 2020
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Love this broker, they are so nice here. A little hard for me to understand but they are patient and very sweet. I will always do business with them. Thank you to Tammy for getting my 2018 gold wing Motorcycle insured quickly.
Son Tu
Son Tu
Jul 24, 2020
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Great service for various insurance services e.g. health, car, home etc... I was impressed with their recent office remodeling to satisfy Covid-safety.
It's best to make an appointment before going in.
Quang T.
Quang T.
May 07, 2020
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I was with PHP insurance for over 9 years having bought a home owner's policy, a landlord insurance policy, an auto policy for two cars, and an umbrella policy, all with Safeco insurance. It wasn't until around November 2019 when I emailed the agent about getting an earthquake policy that I realize they had very poor communications and customer service. It would take them over 2 business days to reply to my emails. When I asked for changing the deductibles for my existing home owner's and rental policy, my questions were ignored. Those are just two examples of the slow service
Omid S.
Omid S.
Apr 14, 2020
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Paul helped me out enrolling my wife to my plan thru covered california which is really hard to do these days with Covid19 situation. He was very professional, fast and friendly. I'll definitely keep my relationship with this office as my agents. Thanks Paul
Lan-Huong Dang
Lan-Huong Dang
Sep 20, 2019
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I’ve been doing business with PHP for the last 6 years and have not encountered any issue with their service. Staff are always very polite and friendly, professional and efficient. However, their super star is Tony. He has helped me to understand all the pros and cons of the insurance policies, to choose the most suitable for my situation. He’s very patient and knowledgeable.
Alan H.
Alan H.
Apr 09, 2019
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Came to switch car insurance to my new car . Simple task took almost 2 hours as our agent was not well trained and had to repeatedly ask questions about how to do things.
Brytha Ocampo
Brytha Ocampo
Aug 29, 2018
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TERESA keeps calling me and trying to bug me, very persistent and annoying. I answered before and told her I am not related or know of some person who has an Asian name they couldn’t pronounce and I wasn’t interested in their insurance. Thought that was the end of that, but I keep getting calls, I block the number and they find a new line to call me in. I called back again to tell them to back off, let’s see how long that lasts.
VERY ANNOYING, VERY PERSISTENT, DO NOT GET TANGLED UP WITH THEM ! Sounds very fraud from the many different phone numbers they use. Seems fishy, and I’m sure they
Joy Vu
Joy Vu
Jun 22, 2018
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I called them on last Friday to ask about the insurance plan. While all agents were busy, I agreed to let them call me back at 9 am on next morning - Saturday. I was waiting at 9 am on that Saturday but they would not call me until 10 am - I figured it out later . An agent named Paul called me and probably the connection was not good, I kept saying hello. Then, I did not hear anything back.
- I asked "Is everything ok?" as I had no idea who was calling me
- He was like "You asked me "Is everything ok?"
- I said: "Yes, you called me and you did not say anything so that's why I asked that"
-
Lily L.
Lily L.
Jun 05, 2018
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I went here to change the title of my dads old car to my car because he had given it to me. So much faster than the Dmv. I had to pay a little fee of course, but it was worth it rather than waiting 5 hours at the dmv. Definately recommend for their dmv services.
Lizzy S.
Lizzy S.
Jan 13, 2018
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This review is based only on customer service, Carrie is horrible with member service, probably because i was not same race as her, i was asking questions, on every single question she was answering with attitude.
When i got there, i told her i wanted to know if it was possible to switch agency because my agency is in Modesto. She didn't explained me it was not possible (the front desk told me it was possible) she just did a quote with a different company, i didn't request that.
Before i leave i wanted to speak to a manager, she said she is not here, i went to the front desk i explained
Thran H.
Thran H.
Oct 19, 2017
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I had no idea how this place got good reviews when their service is terrible. They took my $$ for doing the job that I was too busy to take care of, and now I have to spend more time to deal with their business.
They had charged me $35 and took the car title which supposed to be sent to the DMV. After a month when I did not receive my new car title, I came to the office, and they gave me a duplicate request form to fill out and wanted to charge me another $40. What? Am I that stupid to them? Their responsibility is insured my paperwork reach DMV, and the duplicate request form is for when I lost
Sandy N.
Sandy N.
Aug 22, 2017
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Recently just bought life insurance for my dad...he's 62 years old...and got approved very quick...with a good plans..they explaine to u clearly on the terms..

great customers service... highly recommended this place..
Thuy T.
Thuy T.
Aug 12, 2017
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Hi there, PHP is an awesome place to buy insurances for car, house. Etc...
The broker was very helpful and respectful. He explain very clear about the coverages. He took times to listen to what we want.....i would recommend to my friends. Thumb up
Khoa W.
Khoa W.
Aug 12, 2017
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Simply put it: Excellent
Kelly and Shara are lovely. Every time I see them I end up paying a lot :)
Thanks so much
Qa N.
Qa N.
Jul 13, 2017
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Here's the situation: my dad has been a loyal customer for them for a long time - bought car insurance with them for a long time, and they speak Vietnamese which was a huge plus.

We recently purchased a car, and in order to drive it off the lot, we had to have insurance on the car. On Saturday, we tried to call both PHP and our insurance and no one picked up. We tried all the numbers on our insurance card, and no one picked up!

It wasn't late at night; it wasn't early in the morning. How can an insurance company and my agent not pick up? What would happen if I got into an accident
Khoa D.
Khoa D.
May 28, 2017
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This is the second time I renew here, the service is very good. Agents call to remind our family one week before new Open Enrollment begin
Holly M.
Holly M.
Nov 26, 2015
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The worst customer service that I have ever experienced- 1) could not explain clearly the details of health insurance benefits and application process 2) very slow response to a simple inquiry regarding the delivery of a dental insurance card 3) RUDE

If I could give them zero stars, I definitely would.

Conclusion- I went to a different broker and gave my business elsewhere.
Danny V.
Danny V.
Nov 03, 2015
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This review is specifically for Andy who helped us with our home insurance. I reached out to them for a quote and shortly after Andy contacted me and provided the quote. Price seems right so we went with them. Weeks later, we're getting ready to install solar panels on our roof, so I emailed him about the effect of insuring my Solar system with my policy. He called that evening and asked a few questions and promised to call back the following day once he contact the insurance company. Today, I completely forgot about the conversation, he caught me by surprise when he called to provide me with
Natalie T.
Natalie T.
Mar 09, 2015
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Unprofessional services.
Called to make an appointment and be told that just walk in and I could get help right away.
Then they let me wait 1hr30 and said that couldn't help me to get health insurance.
Save your time and stay away from this trouble maker.

Firstly, I haven't updated my information about where I live.
I went to PHP in 9/3/15 around 10.30a under the name Nga Tran.
I was assisted to go to the 2nd office which located on the second floor. Then I met Chris and he said he couldn't help me to buy insurance and told me to wait for another person. Then I waited 1h30 to
Danvi Dubey
Danvi Dubey
Nov 15, 2014
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Jasmine helped me find the right insurance within my budget. She answered all my crazy questions and made me feel at ease. I would definitely recommend her, actually I already have.