Fred Loya Insurance Hours
Fred Loya Insurance Business Hours
Fred Loya Insurance is a regional automotive insurance company. The company operates offices through the Western and Southern states. If you need assistance with products or want to voice concerns relating to in-office service, you can contact the customer service department [+] by phone, email, traditional mail or through social media. You can also contact the customer service department at your local office during regular business hours.
Fred Loya Insurance Regular Business Hours
- Weekdays: The majority of the offices are open Monday through Friday 8am to 5pm, local time. Contact the customer service department or your local office for hours of operation. The hours vary by location.
- Weekends: The offices are closed on the weekends. You will need to reach out to your local office in the event the hours change.
Fred Loya Insurance Holiday Hours
The offices will adjust hours or close for the holidays. You will need to contact the customer service department for specific holiday hours. The observed holidays include:
- New Year’s Day
- Martin Luther King Day
- Presidents’ Day
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans’ Day
- Christmas Eve
- Christmas Day
- New Year’s Eve
Fred Loya Insurance Special Event Hours
In the event a local office hosts a special event, you will need to reach out to the customer service department for details. You can also contact your local office for details.
Contacting Fred Loya Insurance to Verify Business Hours
- Phone Number: You can reach out to the customer service department by calling 1-888-248-8787 or by calling the corporate headquarters at 1-915-595-0510. The customer service department is open Monday through Friday 8am to 5pm, CST. You can also reach out to your local office during regular business hours.
- Email Contact: When you send the customer service department an email, you will need to use the customer feedback form [+]. After you send your messages, you will receive an automated message. The message states a live agent will reply to your concerns within 48 hours.
- Mail: Customers can send correspondence to the customer service department at the corporate headquarters here: Fred Loya Insurance 1800 Lee Trevino El Paso, TX 79936. After the customer service department receives your messages, you will receive a response within five (5) business days. You can also use the office locator tool [+] to reach out to the customer service department at your local office during regular business hours.
- Social Media: Customers can contact the customer service department through social media. You can post general concerns, comments and ask questions on Facebook [+] and YouTube [+]. After posting your messages, the customer service department will reply to your concerns within 48 hours.
Home insurance procetts the building itself against fires, damage, etc. Mortgage insurance procetts the lender against you not paying on the loan. If you stop paying, they get some money from that insurance fund that everyone pays into. Sucks, doesn’t it? Why can’t the lender foot the bill to protect themselves? I guess they could, and then they would simply charge you more with a higher interest rate. In my opinion, the whole real estate industry sucks. Lenders, mortgage brokers, appraisers, real estate agents, etc. are all semi-scam artists. They all perpetuate this lie that owning is SO MUCH BETTER than renting, and it’s simply not always true. Ask the people who are now having their mortgages reset at sky-high rates if they were better off renting or owning. I was looking at buying a condo a year ago, but after the HOA and all the other fees that basically go to nothing except making the scam artists richer, I decided against it. One thing a lot of people forget is that if I’m paying out $300 less per month by renting instead of owning, I can take that extra money and invest it, just like home ownership is an investment. But at least I’m not paying an HOA, insurance, maintenance, higher utility bills, property taxes, etc., which are costs that do NOT go towards me owning anything.
How long you have it depends on how fast the prrptoey appreciates and how fast the principal is reduced.If you try to use a new appraised value, you will probably have it for at least 2 years. If you reduce the principal to 78% of the value based on the original appraised value you may be able to get out of it more quickly.It is up to the servicer to determine when the MI can be cancelled. If you just bought the home, it is probably a little too early (and too late) to start worrying about it now.Good luck with your new home.