Products & Coverages

Available in: Oregon

Palomar Specialty is a leading insurer for residential earthquake products with a wide ranging distribution network. Our flexible coverages have been designed specifically to meet the needs of homeowners.

Product Overview

Dwellings: $75, 000 minimum dwelling limit to $9.9 million ($6 million for superior policy) TIV for all Zip Codes
Residence types must be individually owned with 1-4 family dwellings
Coverage amount must be equal to the underlying dwelling limit
All pre-existing earthquake structural damage must be repaired prior to writing coverage

Coverage & Limits

	Standard EQ Policy	Superior EQ Policy
Dwelling	Select Dwelling Limit	Select Dwelling Limit
Appurtenant Structures	N/A	10%
Contents	$5,000	50%
Loss of Use	$1,500	20% up to $25,000
Loss Assessments	$10,000	$10,000
Deductible	10% or 15%	10%, 15%, 20% or 25%

An optional “Plus” Endorsement can be added to the Superior EQ Policy, featuring:

Increased sub-limits such as swimming pools (from $3,000 to $50,000) and various increased contents sub-limits
Loss of use cap increased from $25,000 to a maximum of $200,000

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August 25, 2016