Always Faithful: Independent Insurance Agency in Temecula, CA

Independent, veteran-owned insurance agency based in Temecula, California, writing personal and commercial property and casualty coverage. Licensed in 20 states. Call 650-489-2592.

An Independent Agency, Not a Captive One

We are not tied to a single insurance company. We work with multiple A-rated carriers and place each client with the one that fits the risk, rather than fitting the client to the only product on the shelf.

That matters most when the market moves. Carriers raise rates, tighten underwriting and withdraw from ZIP codes, and when yours does, a captive agent has nowhere to send you. An independent agency takes the same file to the next carrier.

What We Write

Personal auto insurance, including new drivers, tickets, lapses in coverage and non-renewals. Homeowners insurance, including wildfire-exposed and previously non-renewed properties in Riverside County and San Diego County. Commercial auto and fleet coverage. Contractor general liability, workers compensation, tools and equipment. CSLB license bonds and bid, performance and payment bonds.

Personal Auto Insurance

Liability, uninsured motorist, collision and comprehensive coverage for California drivers. New drivers, teen drivers, tickets, accidents, lapses in coverage and non-renewals are welcome. We compare multiple carriers on the same drivers and vehicles so you can see the difference in price and coverage. Personal auto insurance

Homeowners, Condo, Renters and Landlord Insurance

Homeowners insurance in Temecula, Murrieta, Menifee and across Southern California, including homes in wildfire areas and homes another carrier has non-renewed. When the standard market will not write a property, we place the California FAIR Plan for fire and add a difference-in-conditions (DIC) policy to cover what the FAIR Plan leaves out, such as liability, theft and water damage. Condo (HO-6), renters, dwelling fire and landlord policies for rental properties are also available, along with flood and earthquake coverage. Homeowners insurance

Commercial Auto Insurance

Commercial auto for work trucks, vans, service vehicles and fleets, including contractors who drive across California. Hired and non-owned auto coverage for employees who use their own vehicles for work, and coverage for the business use that a personal auto policy will not cover. Commercial auto insurance

Contractor Insurance

General liability, workers compensation, tools and equipment (inland marine), and commercial auto for licensed contractors, including HVAC, electrical, plumbing, roofing, general building and specialty trades. Certificates of insurance, additional insured endorsements, waivers of subrogation and primary and noncontributory wording turned around fast so you do not lose a job waiting on paperwork. Contractor insurance

Contractor License Bonds and Surety Bonds

CSLB contractor license bonds, qualifying individual bonds, LLC employee/worker bonds, and bid, performance and payment bonds. Credit problems are still worth asking about. Contractor bonds

Business Insurance

Business owners policies (BOP), commercial property, professional liability and errors and omissions, cyber liability, commercial umbrella and workers compensation for small businesses.

Insurance Forms

Download our Personal and Business Insurance Request Form, fill it out, sign it and email it back to start your quote. The form covers personal auto, homeowners, commercial auto, contractor, workers compensation, bonds and more, and includes space to list your current insurance policies. Already insured and want us to service your existing policy? Download our Broker of Record form.

Areas We Serve

Based in Temecula and serving Murrieta, Menifee, Hemet, Riverside, San Bernardino, Corona, Lake Elsinore, Escondido, San Diego, Orange County, Los Angeles County and the rest of California.

Licensed in 20 States

Always Faithful Insurance Agency is licensed to place business in the following states:

California (Lic. #4476212), Arizona (Lic. #21686200), Colorado (Lic. #931002), Florida (Lic. #G308768), Georgia (Lic. #3885235), Idaho (Lic. #21686200), Illinois (Lic. #21686200), Kansas (Lic. #21686200), Nevada (Lic. #4185263 and #4185449), New Jersey (Lic. #3004117893), New York (Lic. #1963685), Oklahoma (Lic. #3004120365), Oregon (Lic. #21686200), Pennsylvania (Lic. #1302972), Tennessee (Lic. #3004115452), Texas (Lic. #3441028), Utah (Lic. #1104790), Virginia (Lic. #1572794), Washington (Lic. #1351740), Wisconsin (Lic. #21686200).

Frequently Asked Questions

Can you insure my home after another company non-renewed it?

Often, yes. We shop non-renewed and wildfire-exposed homes with multiple carriers. If no standard carrier will write the home, we place the California FAIR Plan with a difference-in-conditions policy on top.

Can I get auto insurance with tickets, an accident or a lapse in coverage?

Yes. New drivers, tickets, lapses and non-renewals are welcome. Call or send the request form and we will quote the carriers that fit.

How fast can a contractor get a certificate of insurance?

Certificates and additional insured requests are turned around fast. Tell us who needs to be named and what wording their contract requires.

Do you charge a broker fee?

Broker fees vary with the placement and are disclosed in writing before any coverage is bound. There is no broker fee on California FAIR Plan or CAARP placements.

Licensed, Independent and Veteran Owned

California Property and Casualty Broker License #4476212. National Producer Number 21686200. Owned and operated by a United States Marine Corps veteran. California Disabled Veteran Business Enterprise #2045250.

Get a Quote

Call 650-489-2592 or email semperfiowner@gmail.com. Temecula, California. Monday to Saturday, 8AM to 5PM.

Our Coverage Pages

Personal Auto · Homeowners · Commercial Auto · Contractors · Bonds

Coverage descriptions on this site are general. Actual terms, limits and exclusions are governed by the policy issued.