Business Details
We are a California-based insurance broker specializing in earthquake coverage for homeowners. With over 20 years of experience in the earthquake insurance field, we have developed deep expertise in assessing seismic risks and tailoring policies to protect residential properties. Our team of licensed agents provides personalized guidance to help clients navigate complex insurance options. We prioritize transparency by offering free quotes that compare multiple carriers, ensuring clients receive competitive rates without hidden fees. Our operational standards emphasize rapid response times, delivering quotes within 48 hours to address urgent protection needs. We maintain partnerships with financially stable carriers that are fully admitted, guaranteeing policy backing even during catastrophic events.
By focusing exclusively on earthquake coverage, we deliver specialized knowledge that generic insurers often lack. We help agents grow their businesses by providing access to niche products and technical support for client consultations. Our commitment to client satisfaction is reflected in our customizable policies, which include options for pools, fences, and additional living expenses. We actively educate clients on retrofitting incentives and coverage gaps in standard homeowners' policies. Through continuous market analysis, we ensure our offerings remain aligned with evolving seismic safety standards and regulatory requirements.
By focusing exclusively on earthquake coverage, we deliver specialized knowledge that generic insurers often lack. We help agents grow their businesses by providing access to niche products and technical support for client consultations. Our commitment to client satisfaction is reflected in our customizable policies, which include options for pools, fences, and additional living expenses. We actively educate clients on retrofitting incentives and coverage gaps in standard homeowners' policies. Through continuous market analysis, we ensure our offerings remain aligned with evolving seismic safety standards and regulatory requirements.
Highlights and features
- We offer 20+ years of specialized earthquake insurance expertise.
- We deliver quotes within 48 hours through our licensed agent network.
- We provide deductibles as low as 2% through multiple carriers.
- We partner exclusively with financially stable admitted insurers.
- We offer alternative coverage options to supplement CEA policies.
Services
Palomar Specialty Insurance
This service provides earthquake coverage up to $15 million with optional protections for pools, fences, and personal belongings. Targeted at high-value residences, it features deductibles starting at 2.5% and includes additional living expense coverage during repairs. Policyholders benefit from A.M. Best-rated financial stability and customizable limits.
Quake Select
Designed for standard residential properties, Quake Select offers customizable coverage levels that must match homeowners' policy limits. It includes comprehensive protection for structures and contents with deductible options ranging from 2.5% to 25%. This service is ideal for homeowners seeking balanced coverage without excess features.
Catalytic Risk Managers
Focusing on older dwellings built before 1973, this service rewards retrofitting efforts with premium credits. It provides up to $5 million in coverage with flexible deductible structures. Pre-1973 homes must demonstrate seismic safety improvements to qualify for reduced rates through this specialized program.
