BBB Business Review

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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

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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 13 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

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
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Department of Insurance
CA 94105
Phone Number: (800) 927-4357
The number is 0588228.

Type of Entity

Sole Proprietorship

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

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

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
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.


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.