Arlan Knutson Insurance Agency

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Arlan Knutson Insurance Agency Family owned insurance agency specializing in Farm, Business, Home and Auto Insurance.

A covered loss can put immediate pressure on a business. Understanding how your commercial property policy settles a cla...
10/15/2026

A covered loss can put immediate pressure on a business. Understanding how your commercial property policy settles a claim can make a meaningful difference in your recovery.

Actual cash value (ACV) generally accounts for depreciation, while replacement cost value (RCV) is designed to help cover the cost to replace covered property without deducting depreciation, subject to your policy’s terms, limits, and conditions.

For farms, restaurants, convenience stores, landlords, and other local businesses, the right approach depends on what you own, what it would cost to rebuild or replace, and how quickly you need to resume operations.

At Arlan Knutson Insurance Agency, we help business owners throughout Southern California review their commercial insurance coverage and understand the options available to them. Reach out to our team if you would like to review whether your policy provides ACV or RCV coverage.

A serious accident or liability claim can exceed the limits of your home, auto, or business insurance faster than many p...
10/13/2026

A serious accident or liability claim can exceed the limits of your home, auto, or business insurance faster than many people expect.

That is where umbrella liability coverage can help. It adds an extra layer of protection above qualifying underlying policies, helping safeguard your savings, property, and future from covered claims that go beyond standard policy limits.

At Arlan Knutson Insurance Agency, we take the time to help individuals, families, and business owners understand their coverage options. As a family-owned independent insurance agency in Fallbrook, we can compare options and help you decide whether an umbrella policy fits your needs.

If you would like to review your current liability limits, reach out to our team. We are here to help you protect what matters most.

Fire prevention is one of the most important ways to protect what matters most—your home, family, farm, or business.Home...
10/08/2026

Fire prevention is one of the most important ways to protect what matters most—your home, family, farm, or business.

Home fires can happen quickly, often starting with common risks like unattended cooking, heating equipment, damaged electrical cords, or overloaded outlets. A few simple habits can make a meaningful difference:

• Test smoke alarms monthly and replace them when they reach 10 years old.
• Keep flammable materials at least three feet away from heat sources.
• Create and practice a home escape plan with two exits from each room.
• Keep a fire extinguisher accessible and remember PASS: Pull, Aim, Squeeze, Sweep.
• Never leave cooking, fireplaces, or portable heaters unattended.

For local families, property owners, and business owners throughout Fallbrook and Southern California, fire safety is an important part of protecting your property. It is also a good time to review your property and casualty insurance coverage to make sure it still reflects your needs.

As a family-owned, independent insurance agency, we are here to answer your questions and help you explore coverage options for your home, farm, rental property, or business. Reach out to Arlan Knutson Insurance Agency anytime to start the conversation.

Cyber risk is not limited to large corporations. Small and mid-sized businesses, including farms, restaurants, convenien...
10/06/2026

Cyber risk is not limited to large corporations. Small and mid-sized businesses, including farms, restaurants, convenience stores, landlords, and other local businesses, can also be affected by phishing, ransomware, data breaches, and other cyber incidents.

At Arlan Knutson Insurance Agency, we encourage business owners to take practical steps to protect their operations, such as using strong passwords, enabling multi-factor authentication, training employees to recognize suspicious emails, and regularly backing up important data.

Even with thoughtful safeguards, a cyber incident can happen—and recovery costs can add up quickly. Cyber liability insurance may help your business respond to expenses such as data recovery, customer notification, legal support, and business interruption.

Our family-owned, independent agency can help you review your business insurance options and find coverage that fits your needs. Contact our team to discuss cyber liability coverage for your Southern California business.

A few practical exterior fire-prevention steps can make a meaningful difference for California homes and brick-and-morta...
09/30/2026

A few practical exterior fire-prevention steps can make a meaningful difference for California homes and brick-and-mortar businesses:

• Clear leaves, pine needles, and debris from roofs and gutters.
• Move firewood, boxes, patio furniture, and other combustible materials away from buildings.
• Inspect outdoor electrical equipment, cords, and lighting for wear or damage.
• Keep fire extinguishers easy to reach, regularly maintained, and appropriate for the property.
• Make sure address numbers, driveways, gates, and other access points are visible for emergency responders.

It is also a good time to review your personal or commercial property coverage and update photos or inventories of your home, building, equipment, and contents.

At Arlan Knutson Insurance Agency, you can speak with a real person at our family-owned independent agency. Contact our team for a personal or commercial P&C review.

Made it back to CA this year for the annual Fallbrook Chamber Charity Golf Tournament. It was such a fun day, and especi...
09/30/2026

Made it back to CA this year for the annual Fallbrook Chamber Charity Golf Tournament. It was such a fun day, and especially since my Fallbrook team, Alyssa and Jessica, decided to join me for their very first golf outing😊🏌️‍♀️🏌️‍♀️⛳️ The Fallbrook Chamber is amazing and this event is just one of the incredible events they organize.

Businesses grow and change—and your insurance coverage should keep pace.Whether you have added equipment, hired employee...
09/28/2026

Businesses grow and change—and your insurance coverage should keep pace.

Whether you have added equipment, hired employees, expanded your operations, or opened another location, these changes can affect your commercial property and casualty coverage. A policy that has not been reviewed recently may leave gaps that only become clear after a claim.

At Arlan Knutson Insurance Agency, we help Southern California businesses—including farms, restaurants, convenience stores, and landlords—review their coverage with a real person who understands their needs.

Do not wait for a loss to find out what is missing. Give us a call to review your business insurance coverage.

Wildfire preparedness is an important part of protecting homes, farms, rental properties, and local businesses across So...
09/25/2026

Wildfire preparedness is an important part of protecting homes, farms, rental properties, and local businesses across Southern California.

A few practical steps can help you prepare before wildfire conditions intensify:
• Clear dry vegetation, leaves, and other debris from around buildings.
• Maintain defensible space where appropriate for your property.
• Keep driveways, gates, and access routes visible and clear.
• Document your property, equipment, and belongings with photos or video.
• Review your property coverage so you understand your policy, limits, and deductibles.

These measures cannot eliminate every risk, but preparation can make a meaningful difference when conditions change quickly.

As a family-owned independent insurance agency in Fallbrook, we believe insurance questions deserve real conversations with real people. Contact Arlan Knutson Insurance Agency for a coverage review or request a quote through our website.

06/04/2026

This May, 76 agencies are celebrating a milestone anniversary (5, 10, 15, 20-plus years) with HawkSoft including Deborah Bottomley of Arlan Knutson Insurance Agency. 👏

Deborah joined her father in the agency, encouraging a move to HawkSoft and ditching filing cabinets. After much convincing, they did and they've been with HawkSoft ever since, joining in 2006.

Thank you for allowing us to aide you in serving your community. We appreciate your two decades of partnership! 😃

A quick business trip to CA. So fun spending time with my a couple of my local employees, visiting clients, and voluntee...
04/22/2026

A quick business trip to CA. So fun spending time with my a couple of my local employees, visiting clients, and volunteering all day at the Avocado Festival!!! So blessed to have my business in such a wonderful community.

Address

425 E Alvarado Street Suite H
Fallbrook, CA
92028

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+17604519835

Website

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