Business Details
Your Trusted Insurance Partner in Temecula, CA
Old Harbor Insurance Services is a dedicated team of insurance professionals committed to understanding client needs and providing tailored solutions. With a focus on transparency and personalized service, we specialize in personal, commercial, and life insurance, helping clients navigate complex coverage decisions. Our agency prioritizes client education, ensuring informed choices that align with individual circumstances. Backed by partnerships with A-rated carriers, we deliver competitive rates and comprehensive coverage options. Our local presence and independent agency model allow us to serve as a single point of contact while offering access to multiple carriers.We emphasize real customer service through direct communication channels and a commitment to resolving claims efficiently. With a culture rooted in continuous learning and ethical practices, we strive to build lasting relationships with clients, employees, and carrier partners. Our approach combines industry expertise with a dedication to minimizing risk exposure while safeguarding client assets. Through offices in California, Idaho, and Texas, we serve clients with a focus on regional needs and national standards. Our mission is to become a premier independent agency by maintaining fiscal responsibility and delivering unparalleled attention to detail.
Services
Auto Insurance
Home Insurance
Commercial Property
Life Insurance
Umbrella Policies
Earthquake Coverage
Flood Insurance
Rental Property
Motorcycle Insurance
Recreational Vehicles
Highlights and features
- We offer personalized insurance solutions tailored to individual client circumstances.
- Our independent agency model provides access to multiple carrier options.
- We prioritize real customer service through direct communication channels.
- Our team emphasizes continuous learning and industry expertise.
- We maintain partnerships with A-rated, financially sound insurance carriers.
Services
Auto Insurance
We provide comprehensive auto insurance solutions including liability, collision, and comprehensive coverage. Our policies protect against property damage, medical expenses, and uninsured motorists while offering roadside assistance and rental reimbursement. Designed for California drivers, our coverage addresses state-specific risks and legal requirements.
Home Insurance
Our home insurance policies cover dwelling structures, personal property, and liability risks. Additional protections include ordinance compliance, personal injury coverage, and loss of use benefits. We specialize in California-specific risks like wildfires and earthquake coverage through supplemental policies.
Commercial Insurance
We offer tailored commercial insurance packages including property, liability, and workers' compensation coverage. Specialized options like directors & officers liability and errors & omissions insurance protect businesses from industry-specific risks while maintaining cost-effectiveness.
Life Insurance
Our life insurance solutions include term, whole, and universal life policies designed to protect dependents and business interests. We help clients select appropriate death benefits and cash value components that align with long-term financial goals.
Umbrella Policies
Umbrella insurance provides additional liability protection beyond standard policy limits. This cost-effective solution covers catastrophic claims that exceed underlying auto or home insurance coverage, offering critical asset protection for California residents.
People
Christian Richter
Executive Team
Christian Richter brings extensive insurance industry experience to Old Harbor Insurance Services, focusing on strategic partnerships and client relationship development.
Carlo Diaz
Executive Team
Carlo Diaz contributes specialized knowledge in commercial insurance solutions and carrier negotiations to support business client needs.
Kevin E. Johnston
Team Member
Kevin E. Johnston provides personalized insurance consulting services, helping clients understand complex coverage options and risk management strategies.
Maricela Plowman
Team Member
Maricela Plowman specializes in personal insurance products, offering tailored solutions for homeowners and auto insurance clients.
Micah Albao
Team Member
Micah Albao supports commercial insurance clients with risk assessment and policy development tailored to business operations.
Questions
Why should I use an independent, local agent?
Independent agents offer access to multiple carriers while maintaining personalized service and local market expertise.
What should I do if I need to file a claim?
Contact our office during business hours or reach out to your carrier directly after hours for urgent claims.
What does Employment Practices Liability protect?
EPLI coverage protects employers against claims related to workplace harassment, discrimination, and employment practices.
What is excluded from insurance policies?
Standard exclusions include flood and earth movement for homeowners policies; review your specific policy for details.
Do I need rental car insurance with existing auto coverage?
Coverage depends on your policy's collision and comprehensive limits; check with us to confirm your protection level.
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