ATHENA INSURANCE AND FINANCIAL SERVICES - FOUNDED 1996

We are Independent Insurance Brokers transacting insurance for our Client's best interest. Our Professional Services and Quality Insurance Companies make us the number one choice for many Individuals and Business's in all of California, Arizona, Nevada and Oregon.

When Athena Insurance was founded in 1996 one of the many missions was to accumulate a wide variety of insurance carriers who are now the most competitive in the insurance industry. Doing so allowed to to help our Client's and their families' make the Wise Choice. Today we have met these goals.

My name is Steve Valencia, Broker for Athena Insurance and Financial Services and I welcome those of you who value a wise, experienced and dedicated advisor. I sometimes worry about how the industry is acting when it reaches out for your business. So please allow me to share with you my pet-pieve about Television Commercials.

First, I, like many of you, get "sick-and-tied" of the same Companies "pounding" the same Mascots and information to us over and over again. There "Themes" are very similar. See how much money we can save you! You may save hundreds over.... your current carrier. Do you really trust a reptile, cartoon or caveman? Come one...get real!

The lure! The lure that appeals the most to us... "lay people" is the concept of saving money, the low down payment and how fast our claims will be handled. Why?  It gets us motivated to pick up the phone or go online. Ever heard of the idiom.. "Penny wise and Pound Foolish?"

I guess what bothers me the most about some Commercials is the fact that much of the industry is trying to break the ties between a beneficial relationship with you and your trusted advisors. Insurance Agents, Insurance Brokers and even Lawyers. Why? For the same reason that has motivated mankind since the beginning of age. "Profit" Some may say greed. And yet others may justify it as the necessity to remain competitive in today's changing world. For whatever their reasons.... our mission is to help you make a good decision.

Have you ever heard to the Ben Franklin "T" ? When you shop and compare it should look something like this. Please feel free to download a free copy of the attached illustration and then make a logical comparison. " Make the Wise Choice." Please!  Here are some of the "OPTIONS".  (download form)

In the example listed above, not all options are available on all policies written thru Athena Insurance and Financial Service's insurance carriers. Coverage's can vary from Carrier to Carrier. The illustration listed above depicts that when we take into consideration, "all" of the Insurance Carriers we write with, these are just some of the options that you can get with Athena Insurance and Financial Services.

How does your Agent or Broker compare?
Who do you think would have a better understanding of what you need in protecting "the much larger picture?"

For more information regarding our Insurance Agency please call 209-223-1870.

 

 


INSURANCE NEWS UPDATES (06/19/2010)
 Recent trends in the home foreclosure have increased the demand of Vacant property insurance coverage according to Broker Steve Valencia.
Two of our Admitted carriers fill the void with Vacant Property Insurance specifically designed for Vacant properties. The also offer a commercial policy for ten rental units and more.
Regular Dwelling fire polices and Homeowner insurance policies do not allow for extended vacancy. People beware! Read your policy carefully ...coverage may be void, cancelled or provision in the policy may take affect after a certain number of days. For example, the peril of Vandalism may drop off. Vacant properties are more susceptible to Vandalism. What a shame to find out your policy is not correct. Call today for a free consultation.

MORE INSURANCE COMPANIES THAN EVER
Today we have access to more that 150 insurance companies. This gives us a huge advantage with Personal and Commercial Insurance Servicing capabilities.
Our Specialty Markets are:

  • Construction
  • Marine
  • Farm and Ranch

AFFILIATIONS / ASSOCIATIONS
07/05/2010 Athena Insurance and Financial Services announces it's affiliation with the following:

  1. American Contractor Exchange.com
  2. The Blue Book.com
  3. Western Marine Insurance.com
  4. Amador County Farm Bureau
  5. California Farm Insurance.com
  6. California Trucking Insurance.com
  7. King of The Bonds.com
  8. Contractor Insurance.net
  9. Bring it Web Hosting.com
  10. Sacramento Hispanic Chamber of Commerce

Other affiliations planned for 2010

  1. National Association of Surety Bond Producers
FAQ  How do I use this information? Answer: Most of the items listed below have links. Some lead you to areas where you can get an instant quote, others will allow you to compete a contact form and provide us basic, or, detailed information so that we can assist you. You may also call to speak to a representative (209) 223-1870.

PERSONAL INSURANCE                                                For Customer Service click here

Automobile

Homeowner

Special Event Coverage

Earthquake

Health, Life, Dental & Vision

Recreational

  Personal Auto   Owner Occupied    Annual Event   Primary Home   Click Health tab above   Click the tab above
  Classic Auto   Seasonal Home   Annual Vendors & Exhibitors   Seasonal Home        
      Dwelling Rented to Tenant   Event Cancellation   Dwelling Rented        
      Vacation Rentals   Foreign Events   Vacation Rentals        
      Vacant Property   Special Event Coverage   Vacant Property        
      Rentals 10 units and over   Theatrical Groups   Manufactured Home        
      Renters renting   Venues Program            
      Condominium Insurance   Wedding Cancellation            
      Manufactured Homes                

Collectibles

Annuities / IRA's

Estate Planning Concepts

Marine

Farm & Ranches

Life Insurance

  Action Figures   Equity Indexed Annuities   Financial Needs Analysis   Click the tab above   Click the tab above   Click the tab above
  Memorabilia       Capital Needs Analysis            
  Animation Art       Mortgage Protection            
  Automobilia       Why buy life insurance?            
  Collector Plates       Why have a will?            
  Die Cast       Family Trust and why?            
  Dolls       Retirement Planning            
Policy Form could vary depending on any specific condition that would affect the above provided forms. Your agent or broker will explain to you any differences is this condition occur. Policy reviews are free. Thousands have used our free, no obligation, policy review and have benefited from it since 1996. Call for your free policy review or sent a fax with your policy information to (209) 223-3227 with your contact information. Or you can email to Insurance@athenaInsurance.com.
FAQ  How do I use this information? Answer: Most of the items listed below have links. Some lead you to areas where you can get an instant quote, others will allow you to compete a contact form and provide us basic, or, detailed information so that we can assist you. You may also call to speak to a representative (209) 223-1870.

RECREATIONAL VEHICLE INSURANCE                                              For Customer Service click here

Motorhome

Marine Personal

Travel Trailers

Specialty Insurance

Motorcycles

News!  (updated 06/2010

  High Value Yachts   Fifth Wheel Vacation   Snowmobiles   Collectibles   Athena Insurance has created a web site specifically fo the Marine Industry and related Boat, Yacht, and other Marine related needs. The site is under construction at www.WesternMarine
Insurance.com.
  Full Timers Pleasure Boaters   Toy Haulers   ATV's   Sport Bikes  
    Wave Runners   Camping Trailers   Quad runners   Trikes & Modified's  
    Jet Skis       Mules      
    Jet Boats, Runabouts       Dune Buggies      
    House Boats       Rails   Association Discount  
    Jet Skis           Safety Course Discount  
    Bass Pro Angers           Experience Discount  
    Sail Boats                
  Ski Boats           Farm & Ranches Equine Operations
              Animal Mortality Fertilizers Dealers
              Farm Package Liability Fruit or Juice Manf.
   

Marine Commercial

          Workers Compensation Cotton Gins
    Trawlers           Crop Insurance Pig Farms
    Marine Contractors           Equipment Breakdown Poultry Farms
    Boat Dealers           Pollution Liability Wineries & Vineyards
    Marina Operations           Dairy & Cattle Operations Exotics
    Ocean Marine Cargo           Fruit & Vegetable Distributing More...
    Boat Manufacturers           Feed, Grain,& Hay Haulers Food Products
Policy Form could vary depending on any specific condition that would affect the above provided forms. Your agent or broker will explain to you any differences is this condition occur. Policy reviews are free. Thousands have used our free, no obligation, policy review and have benefited from it since 1996. Call for your free policy review or sent a fax with your policy information to (209) 223-3227 with your contact information. Or you can email to Insurance@athenaInsurance.com.
FAQ  How do I use this information? Answer: Most of the items listed below have links. Some lead you to areas where you can get an instant quote, others will allow you to compete a contact form and provide us basic, or, detailed information so that we can assist you. You may also call to speak to a representative (209) 223-1870.

HEALTH, LIFE, DENTAL, VISION & SMALL GROUP                                              For Customer Service click here

Small Groups Comparisons

Individual Health & Dental Compare side-by-side

Select a Particular Company and apply

Other Information

Late's News!

  Employees 2-50 Individuals   Aetna®    Provider List  

Athena Insurance has created a web site specifically for Health, Dental, Life and Small Group Quoting.
www.ShopHealthInsure.com. Tell a friend about us.

  Employees 51-125 Families   Anthem® Blue Cross CA   FAQ's  
  Large Group 126 + Senior Medicare Medigap   Blue Shield of California®   Term Life Quote  
  National Accounts 300+ Children   Delta Dental MorganWht      
    Temporary Health   Golden West      
  Census Form 2-50     Kaiser Permanente®      
        Multiflex      
        Safeguard®      
        Humana®        

Returning Clients - login to

Returning Individuals

 

Returning Individuals

 

Student Health

International Medical

  Small Group Comparison Returning to the side-by-side comparison tool   Blue Shield re-login to complete application in progress.      
  Groups 2-50          
   

 

           
               
               
               
               
               
 

UNDER RECONSTRUCTION
UNDER RECONSTRUCTION

FREQUENTLY ASKED QUESTIONS (FAQ)

  • WHY SHOULD I PURCHASE INSURANCE THRU YOU? Because we are very good at what we do... and that means taking care of you. In addition, we have great prices, friendly customer service, fair claims practices, quality insurance carriers and we write virtually any kind of insurance you need... except for Aviation.
  • WHAT IS A BROKER? A Broker, unlike an employee or captive Agent, we, as Brokers represent you the "Client " in transacting business NOT the company. We here at Athena Insurance look out for your interest first and work within the underwriting guidelines of the various carriers to find you competitive prices and quality insurance. This give us an advantage over many Agents since we have over 150 Insurance Carriers to shop with.   Many other Agents have only one!
  • AS A BROKER DO YOU ALWAYS CHARGE A BROKER FEE?  Good question! No we do not charge broker fees on most of our business. Examples are; Personal auto, home, life, health, annuity, Small Business Owners or Commercial Auto, as many Brokers do. Nor do we charge for servicing your policy when changes are requested. There are some types of insurance where we do charge a Broker fee. These accounts are generally more risk sensitive and require a dedicated "hands-on" review from an account assigned representative. In order to service some labor intense accounts we must charge a broker fee. However, if and when we do charge a fee... we provide full disclosure in writing at the time the proposal is made. And, we require a signed acknowledgement disclosure prior to binding.
  • IN WHAT STATES DO YOU PROVIDE SERVICES? Except for bonds, Arizona, California, Nevada and Oregon.  We will be adding more States in the future. For bonds, we have exchanges to assist you in all States.

Athena Insurance and Financial Services
13773 Eaton Road  (overnight mail only)
P.O. Box 390  (regular U.S. mail)
Pine Grove CA 95665
Insurance@AthenaInsurance.com
(208) 223-1870 phone (209) 223-3227 fax

Personal lines                                                                                           NAIC Commercial lines                                                                                    NAIC                
 1. ABRAM INTERSTATE N/A MGA DIR ABACUS (special events coverage) N/A MGA DIR
  AETNA HEALTH INSURANCE A.M. BEST DIR ABRAM INTERSTATE   DIR
  AIG / AMERICAN INSURANCE GROUP A.M. BEST DIR ACE AMERICAN INSURANCE CO. 22667 ARR
  ALLIED PROPERTY & CASUALTY CO. A.M. BEST DIR ACE WESTCHESTER   WW
  AMCO / Allied Nationwide Insurance Company A.M. BEST DIR ACE LONDON   WW
  ANTHEM HEALTH / BLUE CROSS CA A.M. BEST DIR ADRIATIC - CARGO   BISYS
  AVIVA LIFE INSURANCE COMPANY A.M. BEST DIR ADMIRAL   WW
  AMERICAN COLLECTORS CLASSIC AUTO A.M. BEST DIR AIG AMERICAN INTERNATIONAL   DIR VAR
  AMERICAN MODERN INSURANCE COMPANY A.M. BEST DIR AIG SPECIALTY INSURANCE CO. OF PA   WW/DIR
10. AMERITAS LIFE (dental and life) 61301 DIR ALLIED / NATIONWIDE P&C   DIR
  ARROWHEAD GENERAL AGENCY N/A MGA DIR AMERICAN CONTRACTORS INDEMNITY   HCC /DIR
  AXIS INSURANCE COMPANY (earthquake coverage) 37273 DIR/ARR AMERICAN MODERN INSURANCE COMPANY   DIR
  BALBOA INSURANCE COMPANY 24813 DIR/ARR AMERICAN RELIABLE INSURANCE COMPANY    
  BLUE CROSS - SEE ANTHEM ABOVE A.M. BEST DIR AMERICAN TEAM MANAGERS N/A MGA DIR
  BLUE SHIELD OF CALIFORNIA A.M. BEST DIR AMERICAN SAFETY   WW
  BRADLY & BRADLY N/A MGA DIR AMERICAN STATES INSURANCE COMPANY   CAM
  BRISTOL WEST INSURANCE   DIR AUTO SERVICE GUARD - WILLIS    
  CHUBB A.M. BEST ALL AON INSURANCE COMPANY   DIR
  CLASSIC COLLECTORS ANTIQUE AUTO / INFINITY A.M. BEST DIR APPLIED UNDERWRITERS   DIR
20. COMMERCE WEST INSURANCE COMPANY 13161 DIR ARGOUNAUT   WW
  DELTA DENTAL - INDIVIDUAL & GROUP A.M. BEST DIR ARCH   WW
  DEPOSITORS INSURANCE COMPANY 42587 ALL ARROWHEAD GENERAL AGENCY   DIR
  DIAMOND STATE INSURANCE COMPANY 42048  BB DIR ARROWHEAD WHOLESALE AGENCY   DIR
  FINANCIAL INDEMNITY INSURANCE / Unitrin A.M. BEST DIR ARM- AUTOMOTIVE RISK MANAGEMENT   DIR
  FOREMOST INSURANCE GROUP 11185 DIR ASPEN UK   WW
  GEOVERA / PACIFIC SELECT EARTH QUAKE Ins A.M. BEST DIR AWAC   WW
  GMAC INSURANCE COMPANY A.M. BEST DIR AXIS   WW
  HARTFORD INSURANCE COMPANY A.M. BEST DIR BANKERS INSURANCE COMPANY   BTIS
  J.C. TAYLOR ANTIQUE AUTO INSURANCE AGENCY N/A MGA DIR BYSIS TRI CITY   DIR
30. JACKSON NATIONAL LIFE A.M. BEST DIR BUILDERS & TRADESMENS INSURANCE SVCS N/A MGA DIR
  KAISER PERMANENTE   DIR CATIN   WW
  LEADER NATIONAL INS. CO. / Infinity   DIR CAR-PAC   / WILLIS   DIR
  LEGION INSURANCE COMPANY   DIR CBIC   WW
  MERCED MUTUAL INSURANCE COMPANY 15768 DIR CLARENDON NATIONAL INSURANCE CO.   VAR
  MEXIPASS GLOBAL ASSURANCE N/A MGA DIR CNA CASUALTY   ATM
  NATIONWIDE MUTUAL INSURANCE A.M. BEST DIR CNA - WESTERN SURETY   DIR
  PACIFICARE OF CALIFORNIA A.M. BEST DIR COAST INSURANCE BROKERS N/A MGA DIR
  PROGRESSIVE INSURANCE  

DIR

COLONY INSURANCE   CIB
  RLI INSURANCE COMPANY   DIR COMMERCE WEST INSURANCE COMPANY 13161 DIR
  TRAVELERS INSURANCE COMPANY   ATM CV STAR   WW
40. SAFECO INSURANCE COMPANY   DIR ENDURANCE   WW
  VICTORIA INSURANCE COMPANY A.M. BEST DIR ESSEX   CAM WW
  TWIN CITY FIRE INSURANCE   DIR      
  WESTERN MARITIME - WESTERN MARINE INS.   DIR FINANCIAL INDEMNITY INSURANCE   FIR
  UNITRIN / FINANCIAL INDEMNITY INSURANCE     FIREMENS FUND / BOP   ATM
        FIREMENS FUND / FARM & RANCH   STK, JA
        FIREMENS FUND SPECIALTY - CONTRACTORS   WW
        FIRST MERCURY   WW
        GEMINI   WW
        GILLINGHAM & ASSOCIATES, INC. - GA N/A MGA DIR
        GMAC INSURANCE COMPANY   DIR
        GOLDEN BEAR INSURANCE COMPANY   WW
50.       GOTHAM INSURANCE   WW
        GULF INSURANCE COMPANY   BT
        GREAT AMERICAN INSURANCE COMPANY   BT
        HCC SURETY COMPANY   DIR
        HARTFORD INSURANCE COMPANY   VAR
        HERITAGE GENERAL AGENCY   DIR
        INSCO DICO - BONDS   DIR
        JAMES RIVER INSURANCE COMPANY   WW
        LANDMARK AMERICAN (RSU)   WW
        LANTANA INSURANCE CO LTD    
60.       LEXINGTON   WW
        LIBERTY INTERNATIONAL   WW
        LINCOLN GENERAL INSURANCE CO.   VAR
        MARKEL AMERICAN INSURANCE COMPANY   ABR
        MEXIPASS GLOBAL INSURANCE   DIR
        MT. HAWLEY   WW
        NATIONS BUILDERS INSURANCE SERVICES   VAR
        NATIONAL FIRE & MARINE   WW
        NAVIGATORS / NIC   WW BT
        NORTH AMERICAN CAPACITY   WW
        OLD LINE AGENCY SERVICES B&B    
70.       ONE BEACON   ATM
        NEIT CLEM WHOLESALE INSURANCE BROKERAGE   DIR
        NAVIGATOR INSURANCE COMPANY   BT
        NBIS   DIR
        PROGRESSIVE COMMERCIAL AUTO   DIR
        RAIN & HAIL / INDEMNITY INSURANCE CO.   JA
        REDLANDS INSURANCE   CAM
        ROCKHILL   WW
        SCOTTSDALE INSURANCE CO.   CAM WW
80.       SPORTS INSURANCE MGA   DIR
        STATE COMPENSATION INSURANCE FUND   DIR
        STATE NATIONAL   CAM
        SUA INSURANCE COMPANY   ATM
        THOMCO INSURANCE COMPANY   DIR
        TOPA   WW
        TRANSGUARD INSURANCE COMPANY   DIR
        TRAVELERS INSURANCE COMPANY   VAR
        TRUCK-PAC / WILLIS    
        ULICO CASUALTY COMPANY   DIR
        UNDERWRITERS AT LLOYDS   VAR
90.       UNITED CONTRACTORS INSURANCE COMPANY   DIR
        VALLEY FORGE INSURANCE COMPANY    
        VICTORIAINSURANCE COMPANY A.M. BEST DIR
        VICTORY PROGRAM / GL.   BT
       

WESTERN MARITIME - WESTERN MARINE INS.

   
        WESTERN SURETY COMPANY / CNA   DIR
        WORLDWIDE FACILITIES, INC.   MGA
        ZURICH U.S.   DIR