Earthquake insurance companies California
The earthquake insurance market in California is more complex than most homeowners realize. The California Earthquake Authority (CEA) is the dominant public option but has specific form terms, deductible structures, and limits. Private markets — Palomar, GeoVera, ICW, Arrowhead, Munich Re EQ, QBE, AXIS, and Lloyd's — offer different options that can be more or less favorable depending on the property. Bollinsure shops your completed application across all available markets to find the best available terms for your specific property profile.
What the Best Earthquake wizard captures
The application documents all the details underwriters look for. Gathering the following before applying produces a stronger submission and faster broker review:
- CEA (California Earthquake Authority): public program through participating homeowners carriers — CEA overview →
- Palomar Specialty: AM Best A admitted private residential market — Palomar overview →
- GeoVera Insurance: specialty earthquake with California-specific appetite — GeoVera overview →
- ICW Group: AM Best A+ admitted regional carrier — ICW overview →
- Arrowhead: specialty MGA program with non-standard appetite — Arrowhead overview →
- Munich Re EQ: AM Best A+ reinsurance-backed specialty program — Munich Re overview →
- QBE Insurance: AM Best A+ global specialty carrier — QBE overview →
- AXIS Capital: AM Best A+ Bermuda specialty insurer — AXIS overview →
- Lloyd's of London: non-admitted bespoke capacity for hard-to-place risks — Lloyd's overview →
- Homeowners of America: admitted specialty carrier in select California markets — Homeowners of America overview →
- Specialty and E&S markets: surplus lines programs for non-standard properties — E&S market overview →
From indication to bindable options
The Best Earthquake Insurance application gives a preliminary annual range anchored to CDI data, then submits a completed Covwell application to Bollinsure for broker review. A licensed California broker reviews your construction, retrofit, and loss details and shops multiple carrier markets to find the best available terms.
The indication is not a bindable quote — final coverage is subject to underwriting, carrier eligibility, and policy terms. But starting with a strong, complete application gives the broker the best possible foundation for market submission.
Ready to submit?
The 5-step application wizard takes approximately 5–8 minutes to complete. It walks through property and applicant details, coverage terms and deductible selection, construction and foundation type, retrofit and loss history, and a review-and-sign step where you can preview the completed PDF before submitting.
Your completed application is reviewed by a licensed broker who follows up — often the same business day — with market options and next steps.