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About Dave Kirby Insurance Agency
More Insurance Agencies in Murrieta
California Fair Plan Association
California Fair Plan Association operates as the insurer of last resort for property coverage in California — a state-run program that issues homeowners insurance when standard carriers decline or withdraw from a property. Unlike independent agents who shop multiple private insurers or captive agents locked into a single company, Fair Plan handles only its own policies, written for high-risk properties that can't find coverage elsewhere in the traditional market. Homeowners in fire-prone areas, older homes with code issues, properties with prior loss history, or rural parcels in Murrieta and across Southern California end up here when private insurers have already said no. The coverage is functional rather than premium — it meets lender requirements and protects against total loss — but Fair Plan rates typically run higher than what a standard homeowner would find, and deductibles are steeper. For residents needing a safety-net policy where mainstream carriers have exited, or for agents seeking to place a difficult risk, California Fair Plan's Jefferson Avenue office is the only option available.
Farmers Insurance - Bernardina Maldonado
Farmers Insurance — Bernardina Maldonado operates as a captive agent on Jefferson Avenue in Murrieta, writing Farmers policies across auto, home, life, and umbrella coverage for individual and family clients. The captive model means this office binds directly to Farmers' underwriting and rates rather than shopping multiple carriers — straightforward for standard suburban homeowners and commuters, streamlined when the customer's risk profile fits Farmers' appetite. The typical clientele runs to families with standard homes, dual-income households covering auto and property together, and working adults looking to layer life insurance into an existing auto policy. For Wine Country property owners, wine-estate holdings, or ranch properties with specialty liability needs, captive agents often lack the flexibility to write those risks; independent brokers elsewhere in the valley handle that market more readily. For a Murrieta resident with a conventional house and two cars, this is the efficient, single-stop option most captive shops provide.
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