Property & Casualty Insurance/Expert Profile

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Personal insurance: automobile, property, life insurance, income replacement/disability insurance, annuity retirement planning, estate conservation and creation. Business insurance planning Employer and Association Voluntary benefit planning.

Experience in the area

My career includes Insurance, Investment Financial Services, Banking. My career extends to nearly 40 years.


Errors and Omissions Insurance Independent Agents & Brokers Association of Pennsylvania.


My company: People's Choice Insurance Services, LLC. 1847 Markley Street Norristown, PA. 19401 Licensed and Insured, Pennsylvanis & New Jersey. Continuing Educational Requirements Certified by Sircon.

Awards and Honors

Recognition by many Insurance and Financial service companies. Presidents Club (John Hancock Financial) Inner Circle (Sentry Insurance) Honnor Club (20+Year John Hancock Financial) Top of the Table

Average Ratings

Recent Reviews from Users

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
David10/15/16101010Quick response, and gave me some additional .....
Debbie09/23/161010Thanks, I Feel comprehensive should apply, because .....
Prashant S Akerkar06/13/13101010Dear Philip Thank you. Thanks & Regards .....
Prashant S Akerkar06/12/13101010Dear Philip Thank you. Thanks & Regards .....
Mark05/08/12101010Thank you, Phil. You have given some .....

Recent Answers from Philip Kukish

2016-10-12 Property Insurance question...:

Dave,    Couple things are going on.  1.All insurance companies will be able to find out easily and routinely look for claims that happened several months or years prior.   ( Insurance companies look

2013-06-12 General Insurance coverage in event of a Earthquake.:

Again,  contact the government agency in your country (India  ) for details. But generally,    Here in. The US insurance companies offer full replacement cost for a loss.  The TV you purchased 5 yrs ago

2013-06-12 General Insurance coverage in event of a Earthquake.:

Maharashtra, India    Very simple easy answer.  Contact the insurance governing agency in your country of India.    Here in the US I can easily get a sample insurance policy to read about the available

2012-04-21 Water damage depreciation:

Water damage depreciation, depreciation of claim is not odd.   Questions as to how the home insurance was applied for.    Generally speaking insurance companies do not accept properties in disrepair, It

2012-03-16 need:

If your home is not located near water, it shouldn't be an issue.  The grading around a home should be angled away from the property to move rain water away from the property.  Other than that contact


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