Personal Products

Residential Earthquake-Palomar Specialty (High Value to $15 Million TIV)

Product Info

Palomar Specialty provides residential earthquake policy limits up to $15 million total insured value for all California zip codes. An admitted carrier,  Palomar Specialty Insurance Company is rated  “A-” (VII)  by A.M. Best.

Palomar Specialty


Marketing Flyer

Marketing Video
Click video below to watch Arrowhead Residential Earthquake Program President Steve Bouker discuss the importance of earthquake insurance with Insurance Journal.

Coverage Highlights

Coverage is provided in two policy types: Superior EQ and Standard EQ. Policy limits up to $15 million total insured value for all California ZIP codes. Please view the downloadable flyer for more information.

Superior EQ Plus Endorsement provides

  • Increased sublimits for swimming pools
  • Increased Loss of Use up to $200,000

Target Market

  • Newer structures or those that have been retrofitted and built on flat or gently sloping lots with slab or raised concrete foundations
  • Dwellings: Exceeding $3 million dwelling replacement limit
  • Any dwelling age acceptable, provided homes built prior to 1955 have proof of retrofitting
  • Dwellings built prior to 1972 must be properly anchor-bolted to the foundation and cripple walls must be braced with plywood (or equivalent)
  • Residence types must be individually owned with 1-4 family dwellings
  • Dwelling must be made of frame construction
  • Coverage amount must be equal to or greater than the underlying dwelling limit
  • All pre-existing earthquake structural damage must be repaired prior to writing coverage

How to quote

This product is available on Arrowhead Exchange.

Residential Earthquake quotes for High Value Homes (exceeding $2.5 million coverage A limit) are requested on ArrowheadExchange.com. High Value Earthquake quotes are processed by the Residential Earthquake underwriting department.

Not yet appointed with Arrowhead? Start here.

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