We operate in All States except Alaska

U.S. States License

Arkansas2709340Michigan2709340Rhode Island3000348229
California0588228Minnesota40583618South Carolina766506
Colorado269045Mississippi10538888South Dakota40478961
Hawaii467051New Hampshire2709340 Virginia2709340
Idaho354090New Jersey1674309Washington933896
Illinois2709340New Mexico2709340West Virginia2709340
Indiana3348108New YorkBR-1498703Wisconsin2709340
Iowa2709340North Carolina2709340Wyoming343283
Kansas2709340North Dakota

Athena Insurance Founded 1996

Athena Insurance and Financial Services started it’s roots originally in the town of San Andreas California in 1996.  “Make the Wise choice and have Peace of Mind”.

Steve was a independent contractor for an agency named in Jackson California until the owner passed away.  After that the insurance agency was sold to an out of town organization 1995.  Near that time Steve ventured out on his own to start Athena Insurance and Financial Services.

Today Athena Insurance and Financial Services is licensed in a large number of States and expanding it’s excellent insurance services across the United States.

Steve Valencia – Broker Founder

Steve entered into the insurance as a career in 1980 as a Life Insurance agent for Prudential Insurance Company. Within a short period of time he became licensed for property & casualty and eventually added a securities license Series 6 & 63.

Then in 1985 he moved to Calaveras County to help his father rezone land and develop a mini-storage facility, retail nursery and landscaping company.

Eventually, in 1993, Steve returned to the insurance industry as an independent contractor and you already know the rest of the story.

Our Companies

Athena Insurance and Financial Services, with written agency agreements, has access to Insurance Carriers directly and indirectly.  Our indirect appointments are handled by General Managing Agencies call MGA’s.   MGA’s are the ‘wholesales’ agency that deal only with Independent Broker like Athena Insurance.  And… there are many of us Independent Brokers around.

So, if you have an agent that says “I cannot write that type of insurance please keep us in mind as we can virtually write any kind of insurance.

Our Services

Our services are vital and necessary to businesses, the economy and families.  We are not only the public’s agent and representative but we are also their advocate when things go wrong.

Do pay your bills on time and make your payments directly to the address on your invoices.

Do report your claims to us or the insurance carrier immediately or as soon as possible.

Don’t be late on payments. With property & casualty policies there are no such things as “grace” periods.  (grace periods apply to life, health and disability)  Many people confuse a “reinstatement period with a grace period. They are not the same thing.  Think about the logic and meaning of the word “reinstate”… the opposite would be “in force” correct or “instate” in effect.

Don’t pay your bill on the date it is due.  Pay it ahead of time. Do you remember the New Years eve parties? Watching the clock and at one second after the midnight hour… it’s the New Year.  Well at in second after the date of expiration date you are driving around with no coverage. Or there is no coverage on the property. And rushing to use with a payment will not work.


Athena Insurance and Financial Services
PO Box 1242
Los Molinos CA 96055

Ph: 209-223-1870
Fx: 209-223-3227

California License #0588228 / National Producer License number #2703940


I first entered into the Insurance Industry back in 1980 with the Prudential Insurance of America. While with the “Pru”… I serviced and sold life, auto and home insurance as a “captive debit Agent.”  I literally walked the community on foot in stevethe City of Fremont California, knocked on client’s and prospect’s doors and introduced myself.

On most “policy service reviews” I literally spent hours of time reviewing policies from the Carrier I represented and from other Insurance companies. Today, I spend a great deal of time performing similar policy reviews but I no longer walk the territory on foot.

“Walking the communities in twenty six States would cost me a fortune on shoes! lol”

We are e-insurance friendly. Today with internet technology, phone, email and fax I literally write and bind insurance coverage in a vast number of States right here from my office in Pine Grove.  If you really want to see my smiley face you might be able to get me to plugin a web cam… or not!

As an Independent Insurance Broker and Agent  I represent you.  I am not an employee of any Insurance carrier.  That is the current distinction between and Agent and a Broker.  To me.. this means that my hands are free to shop your insurance with any Insurance Company or Managing General Agency that best fits your insurance needs.

What does that mean?

It means that today, to meet your insurance needs, we have access to nearly 200 Insurance companies. Athena Insurance and Financial Services can bring to you quality companies such as The Hartford Insurance Company, Allied / Nationwide Insurance, The Travelers and others.

We also have Specialty Markets for the Agricultural Industry, Construction Industry, Marine and more…

With our fine line of Personal Insurance we have access to Covered California,  Blue Cross, Blue Shield, Kaiser Permanente and more…. but what is most important “you” have access to us.  Together with my fine staff of Customer Service staff and our supporting Claims adjusters, Underwriters and Marketing Representative we allow you to “Make the Wise Choice…and have Peace of Mind.”

Kind regards,

S Valencia



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