Financial strength and market type
- Financial strength: MGA / program administrator — coverage placed through rated carrier partners; confirm underlying carrier rating on any quote
- Market type: Managing general agent / program administrator — not a carrier; policies are underwritten by carrier partners
What properties this carrier writes
Residential earthquake programs for California homeowners, including appetite for non-standard construction, older homes, and properties that may face limited options in the standard admitted market. MGA model means underwriting guidelines can be more flexible than direct carrier programs.
Policy structure
Deductible options: Deductible options depend on the specific program and underlying carrier. MGA programs sometimes offer broader deductible availability than standard admitted markets for harder-to-place risks.
Coverage parts available: Dwelling, personal property, loss of use, and building code upgrade available depending on the program form. Confirm coverage structure and policy form with the placing broker before binding.
Why brokers include this carrier
MGA model allows more flexible underwriting on non-standard risks. Program administrators often develop specialized expertise for specific property types or risk segments. Arrowhead has broad California specialty lines experience across multiple product lines.
What to review before binding
As an MGA, Arrowhead places coverage through carrier partners — verify the underlying carrier's AM Best rating and admitted/non-admitted status on any specific quote. Policy form terms vary by program. Non-admitted programs may not be covered by the California guarantee fund.
Broker access and submission
Arrowhead programs are accessed through licensed brokers who are appointed with Arrowhead's programs. For hard-to-place residential earthquake risks — unretrofitted masonry, hillside homes, older construction — MGA programs like Arrowhead's are often part of the solution when standard admitted markets decline.
The Best Earthquake Insurance application collects all the construction, foundation, retrofit, and coverage detail that brokers need to submit to these markets. A completed application is reviewed by Bollinsure, which shops the available carrier set for your specific property profile.
Compare all carriers Bollinsure accesses
Bollinsure shops your completed application across all available markets to find the best fit for your property. Review each carrier's appetite, financial strength, and form terms:
California Earthquake Authority (CEA) · Palomar Specialty · GeoVera · ICW Group · Munich Re · QBE · AXIS Capital · Lloyd's of London · Homeowners of America · Specialty and E&S markets