Financial strength and market type
- Financial strength: AM Best A+ (Superior) — Bermuda-based specialty insurer and reinsurer
- Market type: Specialty admitted and non-admitted (surplus lines) — confirm status on any specific placement
What properties this carrier writes
Specialty residential earthquake for California, with particular appetite for higher-value homes and risks that don't fit standard admitted market parameters. AXIS combines primary insurance and reinsurance capacity.
Policy structure
Deductible options: Percentage deductibles per program terms. Specialty placements may allow deductible structures not available in standard admitted markets.
Coverage parts available: Dwelling, personal property, loss of use / ALE, and building code upgrade depending on form. AXIS specialty earthquake forms may have different structure than standard admitted CEA-comparable policies.
Why brokers include this carrier
AM Best A+ rating. AXIS has both primary and reinsurance earthquake capacity, which can be relevant for higher limits. Bermuda-based specialty market with significant catastrophe lines experience globally.
What to review before binding
AXIS earthquake is a wholesale and specialty market — not accessible directly through retail agents or standard homeowners carrier channels. E&S placement means no California guarantee fund coverage. Confirm admitted/non-admitted status and fronting carrier details on any specific quote.
Broker access and submission
AXIS is part of the specialty earthquake market accessed by brokers with E&S and wholesale relationships. For California homes above $1.5M or with significant non-standard characteristics, AXIS may be part of the market access conversation alongside other specialty and surplus lines options.
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 · Arrowhead · Munich Re · QBE · Lloyd's of London · Homeowners of America · Specialty and E&S markets