★ Personal Lines
Homeowners
Insurance
Independent, veteran-owned agency in Temecula placing homeowners coverage across California, including hard-to-place and wildfire-exposed properties.
Independent, veteran-owned agency in Temecula placing homeowners coverage across California, including hard-to-place and wildfire-exposed properties.
Fill out the form for this coverage and email it back. That is all we need to start your quote.
The home, roof and updates, pools and dogs, wildfire mitigation credits, claims and coverage, all in one place.
Download the FormFor homes, condos and 2-4 unit buildings you rent to others, long-term or short-term.
Download the FormHow we protect your information: Privacy Notice.
Need several coverages at once? Use our full insurance request form, or see all insurance forms. Questions? Call 650-489-2592.
The house itself, and detached structures such as a garage, fence, pool enclosure or workshop.
Your belongings, on or away from the property. Jewelry, firearms, tools and collectibles often carry sub-limits and may need to be scheduled separately.
Additional living expenses if a covered loss makes the home uninhabitable while it is repaired.
Injury to a guest or damage you cause to someone else, including incidents away from the home.
Carriers have pulled back from wildfire-exposed areas, and many homeowners in Riverside and San Diego County are being non-renewed on policies they held for years. That does not mean you are out of options, it means the placement takes more work.
Carriers differ sharply on how they score brush proximity, roof age, defensible space and prior claims, so a property one carrier refuses outright is a property another will write. Being independent is the whole point here: we take the same property to multiple carriers and place it with the one whose underwriting appetite actually fits it.
Earthquake is not included in a homeowners policy and is written separately. Flood is also separate, through the National Flood Insurance Program or a private carrier.
Send us the non-renewal notice and the declarations page from your current policy. We will tell you straight what the market is likely to do with the property, and what it is likely to cost.
Start the day the notice arrives, not the week it expires. Brush-exposed placements take longer and carriers will not be rushed.
We are not captive to one carrier. On California property, the difference between carriers is not a few dollars, it is whether the risk is accepted at all.
Independent, veteran-owned agency in Temecula placing homeowners coverage across California, including hard-to-place and wildfire-exposed properties. Call 650-489-2592 for a quote.
Dwelling and other structures: the house itself, and detached structures such as a garage, fence, pool enclosure or workshop.
Personal property: your belongings, on or away from the property.
Loss of use: additional living expenses if a covered loss makes the home uninhabitable while it is repaired.
Personal liability and medical payments: injury to a guest or damage you cause to someone else, including incidents away from the home.
We are not captive to one carrier.
Property is licensed state by state. If you own a second home, a rental, or you are relocating, Always Faithful can place personal lines 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), Michigan (NPN #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).
Always Faithful Insurance Agency. California Property and Casualty Broker License #4476212. National Producer Number 21686200. Licensed in 21 states. Owned and operated by a United States Marine Corps veteran. California Disabled Veteran Business Enterprise #2045250.
Call 650-489-2592 or email support@semperfiservicesolutions.com. Temecula, California. Monday to Saturday, 8AM to 5PM.
Coverage descriptions on this page are general.
Home · Personal Auto · Commercial Auto · Contractors · Bonds
Send us the non-renewal notice and the declarations page from your current policy. We take the property to multiple carriers, and if the standard market will not write it we place the California FAIR Plan and add a difference-in-conditions policy.
The FAIR Plan is California's insurer of last resort for property owners who cannot get coverage in the standard market. It primarily covers fire, so we pair it with a difference-in-conditions (DIC) policy for the parts it leaves out, such as liability, theft and water damage.
No. Earthquake coverage is written separately, and flood coverage comes from the National Flood Insurance Program or a private flood carrier. We can quote both alongside your homeowners policy.
California regulations require insurers to recognize qualifying wildfire mitigation, such as a Class A roof, ember-resistant vents, enclosed eaves and cleared defensible space. List what you have done on the Homeowners Application so every carrier can credit it.
Yes. Use the Homeowners Application for the home you live in and the Landlord / Rental Property Application for homes, condos and 2-4 unit buildings you rent to others.