Residential Earthquake

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

Companion Homeowners property insurance required
Coverage amount must be equal to the underlying dwelling limit
Dwellings: $75,000 minimum dwelling limit to $5 million total insured value
Deductible Options: 5% (wood frame and masonry veneer in selected zip codes) 10%, 15%, 20%
Construction Types: wood frame, steel frame, stucco, masonry veneer, masonry
Residence types must be individually owned with 1-4 family dwellings
Sub-limits for other structures, contents, loss of use and code upgrades
All pre-existing earthquake structural damage must be repaired prior to writing coverage
Minimum Premium – $75

	Standard EQ Policy	Superior	Superior Plus
Dwelling	Select Dwelling Limit	Select Dwelling Limit	Select Dwelling Limit
Appurtenant Structures	N/A	10%	10%
Contents	$5,000	50%	Select coverage from $3,000 up to $50,000
Loss of Use	$1,500	20% up to $25,000	Select coverage up to a maximum of $200,000
Loss Assessments	$10,000	$10,000	$10,000
Deductible	10%, 15%, 20%	10%, 15%, 20%	10%, 15%, 20%

Value Select

Standard EQ Policy

Superior

Superior Plus

Dwelling

Select Dwelling Limit

Appurtenant Structures

N/A

10%

Contents

$5,000

50%

Select coverage from $3,000 up to $50,000

Loss of Use

$1,500

20% up to $25,000

Select coverage up to a maximum of $200,000

Loss Assessments

$10,000

Deductible

10%, 15%, 20%

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