Insurance Agency Licensed in Pennsylvania
Always Faithful Insurance Agency is licensed in Pennsylvania (Lic. #1302972, NPN #21686200). We are an independent, veteran-owned property and casualty agency based in Temecula, California, licensed in 21 states, and we work with Pennsylvania clients by phone, email and fillable, signable applications, so nothing requires an office visit. Call 650-489-2592.
Coverage we write for Pennsylvania clients
- Personal auto insurance: every driver and vehicle in the household, including teen drivers, tickets and lapses.
- Homeowners, condo, renters and landlord insurance.
- Commercial auto and fleet insurance, including hired and non-owned auto.
- Contractor general liability, workers' compensation and tools and equipment.
- Contractor license and surety bonds, plus umbrella and excess liability.
Pennsylvania auto insurance requirements
15/30/5 (bodily injury per person / per accident / property damage); no change 2023-2026. $5,000 in first-party medical benefits is mandatory; uninsured motorist coverage is not among the required minimums.
State minimums are a legal floor, not a recommendation. One serious accident can exceed them, so we quote higher limits side by side.
Workers' compensation in Pennsylvania
Pennsylvania employers with at least one employee, including part-time workers, must carry workers' compensation unless all employees fall into an excluded category; there is no separate higher threshold for contractors.
Applying? Download our Workers' Comp Supplemental Application.
Contractors in Pennsylvania
No statewide contractor license; home improvement contractors doing $5,000 or more a year in work must register with the Office of Attorney General under the Home Improvement Consumer Protection Act and carry at least $50,000 / $50,000 in general liability. No state contractor bond is required.
We write general liability, workers' comp, commercial auto and equipment coverage, issue certificates and additional insured endorsements, and place license and contract bonds. Start with the Contractor General Liability Supplemental.
Homeowners insurance in Pennsylvania
The Pennsylvania FAIR Plan provides basic property insurance to owners who cannot obtain coverage in the standard market.
Use the Homeowners Application or, for rentals, the Landlord / Rental Property Application.
How it works from Pennsylvania
- Download the application for your coverage from our insurance forms page, or call 650-489-2592.
- Fill it out and sign it on your computer, tablet or phone, then email it back.
- We shop it with carriers that write in your state and send you the options side by side.
State requirements summarized from official Pennsylvania sources as of October 2026. Requirements change; we confirm current rules for your situation before you buy.