This is just a partial list of Top Recognized Equine, Farm & Ranch Companies

Great American Insurance Co.
Nationwide Farm & Ranch
Chubb Agribusiness
California Broker 0588228 ~ National Producer 2709340

We are Athena Insurance and Financial Services

We provide creative solutions to clients around the United States

Horse Insurance

Our History

Before he founded Athena Insurance and Financial Services Steve Valencia was a life insurance agent in Fremont California.  Eventually Steve became a multi-lines agent and went on into land development.

In 1996 Steve returned to start the Independent Insurance agency of Athena Insurance and Financial Services. Since 1996 Athena Insurance has assisted more than 10,000 individuals and families across the United States in nearly all types of insurance.

For a complete list of States click here.

California Farm Insurance

It Started with! 

In our ever changing World… Insurance Companies are beginning to outsource their many of their operations overseas! We have felt the “squeeze” from Insurance Companies basically stating to the consumer they are American based and on their side… but the truth is some of them are moving customer service operations overseas, competing directly with the wise and experienced U.S.A. agents and brokers and at the same time cutting commissions to agents.  We hope that the “people” of the U.S.A., the consumer will put the breaks on this kind of mentality.  If not, they shall reap what they have sewn.

At Athena Insurance and Financial Services we know virtually each of our clients by voice upon the first few words out of their mouths.  Why? We take our time to get to know our clients and have conversations with them about their life, operations, needs, experiences and more.

This does not happen with some companies that have invested in customer services support “based in other Nations”.  In fact the biggest complaint we get from many shoppers is ” I cannot understand what they are saying. “  This is a fact and we too experience it with calls from others wanting to verify insurance coverage for our clients.  It can be very frustrating.  And it is very difficult to deal with when we are getting the same call from multiple persons wanting to verify the information over and over again. Hopefully you will never have to deal with this from us.

So, the moral to the story is, if you want to talk with “us” you can!  If you have a problem when calling to pay a bill or a claim, then call us. You can!  We are your agent and broker and we still offer good ole customer service the way us American’s like it. And we will continue to do so until the big guys cut our earnings so low that we can no longer afford to operate in the fashion that we do. It is really up to you.

We believe the Customer is still “King or Queen” and you can make a statement with your purchasing dollars each day.   Make the Wise Choice and have Peace of Mind.

Our Vision

Hey! What’s Happening Today?


10 Horse Breeds You Will Not Believe Exist - Perfected

Type of Insurance

What Kind of Insurance Do you need?

Deciding on what kind of horse insurance is right for you is actually a very technical question. Choosing the incorrect policy or not having the right coverage could leave you exposed to financial hardship and ruin.

Personal Horse Owners Liability Insurance
Personal Horse Owners Liability Insurance