BBB Logo

Better Business Bureau ®
Start With Trust®
Northeast California

BBB Business Review

Are you the Owner of this Business? ×
BBB® - Start With Trust

Are You the Business Owner of Athena Insurance and Financial Services?

If yes, click here to learn about BBB Accreditation.

Are you...?

This Business is not BBB accredited

Athena Insurance and Financial Services

Additional Locations

Phone: (209) 223-1870 Fax: (209) 223-3227 View Additional Phone Numbers 13773 Eaton Rd, Pine Grove, CA 95665 View Additional Web Addresses

BBB Business Reviews may not be reproduced for sales or promotional purposes.


Insurance Property & Casualty, Surety Bonds, Life and Health.  Specialty focus is on Surety, Construction and Agricultural Services

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Athena Insurance and Financial Services include:

  • Length of time business has been operating.
  • No complaints filed with BBB.
  • BBB has sufficient background information on this business.

Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Athena Insurance and Financial Services
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: April 30, 2002 Business started: 03/29/1993 in CA Business started locally: 03/29/1993
Type of Entity

Sole Proprietorship

Business Management
Steve Valencia, Owner
Contact Information
Principal: Steve Valencia, Owner
Business Category

Bonds - Surety & Fidelity Insurance Companies Insurance - Accident & Health Insurance - Homeowners Insurance - Life Insurance - Marine Insurance - Workers Compensation Agricultural Consultants

Products & Services

Athena Insurance and Financial Services sells the following brand(s): The Hartford, Allied, Progressive, Safeco, ACe Agribusiness, Travelers, Mapfre, Farmers Foremost, American Modern, Merced Property & Casualty.

Athena Insurance and Financial Services offers the following product(s): apartment, Auto, bonds, course of construction, equine, farm, general liability, health, home, life, ranch

Method(s) of Payment
Check, Paypal, Wire transfer
Refund and Exchange Policy
Policies cancelled or rewritten are subject to pro-rate or short-rate refunds excluding fees if any. 
Service Area
Six Entire States; AZ, CA, OR, TX, NV & ID
Alternate Business Names
Products & Services

Insurance services include nearly all personal and commercial insurance. Visit our web site at and perform a search for the insurance you need or call 209-223-1870 we will be glad to assist you.


What is a BBB Business Review?

We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.


About BBB Business Review Content & Services:

Some Better Business Bureaus offer additional content & services in BBB Business Reviews.
The additional content & services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release.
Not all enhanced content & services are available at all Better Business Bureaus.

Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.


BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.


What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.


What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.


Thank you for your feedback!

Help us improve by taking our survey.


BBB Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.


Additional Phone Numbers


Additional Web Addresses

Find a LocationX

  Change Location
Show Only Accredited Locations