Working with Chris Costantini and Adelfia insurance was the single most expensive mistake my company has ever made. Chris just doesn't know or understand some of the most important California insurance regulations, and he makes mistakes on autopilot without bothering to correct himself. In 2023 he made a huge mistake which cost thousands of dollars, but fortunately he was able to get his insurance to cover it. Then he made the same exact mistake on auto pilot the following year - despite our concerns and warnings. Each time we strived to reach out to him, he was unavailable, and unresponsive, but would continue posting pictures those same days on all his social media sites , shirtless in hot tubs, congratulating himself for being under 30, as if his life was just one big vacation and he didn't have a job. Google it yourself, you can't miss it. Now we are stuck for the second time with a humongous bill resulting from his inadequate service. Prior to working with Chris we were able to survive 22 years of being a small business without even one insurance issue. His personal life is none of our business, but you can't find any information out about his company or him as an agent without stumbling on pages and pages of him shirtless, bragging about being rich, as if he cured cancer because he sells insurance. That's very frustrating to see when your small business is suffering the hugest loss in its 16-year-history because of Chris making mistakes. Run, don't walk away from Chris Costantini and Adelfia insurance. You have been warned. read more

Chris Costantini of Adelfia Insurance Cost My Small Business Thousands of Dollars then Ghosted Me After maintaining my own small business since 2002 with zero issues relative to insurance, I started working with Chris at Adelfia in 2023, and that decision has resulted in nothing but undue stress, expense, and a ton of lost time. When first issuing my workers comp policy in 2023, Chris neglected to exclude my husband and I as requested. This caused a huge audit bill halfway through the second year uncovering the mistake. Agreeing that it was his error, that premium was covered by his insurer under an Errors & Omissions claim. In taking responsibility and processing this claim, it was my understanding that Chris had fully addressed and resolved his error. When the renewal for the policy came up, I again reached out to Chris for confirmation that I should continue with CNA given the issue and was told everything was in place as it should be for our policy. Fast forward to the second year audit, and I am again met with a bill in the thousands to account for coverage for my husband and I. AGAIN! The policy was never adjusted after the initial error for the second year and we were months into the third year and still the exclusion had not been put in place. Chris agreed he as at fault - again - and promised to do everything in his power to correct this huge bill landing on the shoulders of my small business. He spent three months begging my carrier's underwriters to backdate the paperwork which was firmly established as outside of their company's (and they say, state) regulations. Ultimately, the company would not agree to backdate forms and the huge bill remains. Given the final word from my carrier, I looked to Chris to right his wrong as he claimed he would "do everything within my power to make this right" in a call on November 13, 2025, along with. On January 28, 2026, he said "I want to assure you that we are continuing to stay on top of this". That was his last communication to me. We are on day 17 of total radio silence from him. I've placed calls, sent 2 emails along with a certified letter and he is nowhere to be found. Running a small business means wearing many hats, and your agent is supposed to make you feel secure about your coverages and their financials. They are NOT supposed to rob you of hours of your time and thousands of dollars. Doing business with Chris and his agency, Adelfia, has caused me so much unnecessary stress, and I really hope others will consider this and choose to work with someone else. read more

I have had the best first-time insurance shopping experience ever with Adelfia. Mouhammed has been incredibly patient with me even throughout my constant questions and indecisiveness as a first-time insurance shopper with a very unique situation. Not once did I ever feel pressured or rushed, unlike the other insurance agencies I've been in contact with. Mouhammed was very receptive to my situation and found me the lowest rate with the best coverage possible for my BMW. I cannot recommend Adelfia enough and will continuously bring my business here as well as recommend to my friends and family. Thank you Mouhammed & Chris!! read more

I was looking for an affordable insurance policy for our investment property. Mouhammed was very patient in helping me with finding best quotes and answered tons of my questions. He was super responsive and worked very hard. He was courteous and followed up as he promised. I would highly recommend Mouhammed to anyone who has insurance needs. read more

Absolutely amazing office. Thank you Chris and team! They helped me close on my homeowners insurance through the process of escrow!

Chris and his team saved me a bunch on my auto insurance. They truly care about their clients and will go out of their way to make sure their clients are happy. If you want to get the best rate possible on any of your insurance needs give Adelfia a call. read more

Chris was more genuine and helpful than any other insurance agent I've ever had to deal with, will definitely recommend his services to any friends or family that need insurance in the future! read more

I received my drivers license when I was 17 and had a really hard time finding cheap car insurance. For several years I was paying so much money for an old Toyota Camry and I've never been in an accident. Now I'm 24 and decided to do some research for a new plan. Through mutual friends, I reached out to Chris and he helped me find a cheaper auto insurance! I wish I did this awhile ago but oh well. Highly recommend him!! Thanks man! read more

I had my home insurance through Adelfia but decided to switch to Costco since It offers 40% cheaper insurance with same coverages. After notifying Adelfia my switch to new insurance company, I asked them to send the cancellation notice to my mortgage company. After multiple requests, Adelfia still hasn't sent the notice to mortgage company for 6 wks. My adelfia agent claimed that it is not her responsibility to send it since I am no longer their client. Due to her lack of professionalism and work ethic, I wasted so much time calling/emailing the mortgage company, Adelfia and Costco insurance and hasn't resolved the issue. I might need up paying the new insurance out of pocket instead of utilizing escrow account. Shop around before committing to Adelfia since leaving them would create some unpleasant experiences like I had. And their prices are definitely a lot higher than most of other insurance companies. read more

Super thankful to have came here for my insurance needs. I felt pretty clueless when it came to having to pick the right insurance companies and understanding exactly what I needed and Adelfia made it all super easy to deal with. Big shout out to Chris for helping me, he made what I thought was going to be a headache easy. Thanks again! read more

I recently moved to an apartment for the first time that required renters insurance. When doing research, I could only find high priced insurances. Adelfia was able to find me such a great price! Chris did a great job at communicating to me what I was covered with and the details of the policy. Very important for a new renter! 10/10 would recommend! read more

Adelaida insurance is a life saver. Chris is such a pleasure to work with and will answer all your questions. Initially, we were using the same broker for over 20 years, but Chris's professionalism had me sold. He looked for the best deals for my family and ended up saving us 2,000$ a year. We were so grateful for his help that we recommended Chris to our other family members and now he is our broker for our entire family. Thank you so much Chris and Adelfia insurance for your hard work and determination in finding us the best deals. Highly recommend read more

Awesome service would recommend to anyone Chris knows insurance and gets it done with so little hassle and is very appreciative person even if live way out their read more

Great time working with Chris. He was extremely helpful and professional going through this process. I've had trouble with getting insurance in the past but Chris was with me every step of the way. Definitely go through this guy if you have trouble finding insurance, you'll thank me later! read more

If you would like to sit back, relax WHILE saving money on insurance, Adelfia Insurance is definitely the place to go to. Through easy phone calls and emails, Chris was able to shop around, while saving me the time and work, to find the best rates by comparing several different insurance companies' options. Submitting a quote was completely free. The best part about it is that there's literally no catch. He REALLY takes the time to care for each and every one of his clients. I really appreciated the personalized thank you note. Big thank you to Chris! I will always refer my friends & family to Adelfia Insurance, a trustworthy business that found me the best insurance rate. read more