Financial strength and market type
- Financial strength: AM Best A- (Excellent) — admitted carrier in California
- Market type: Admitted specialty lines — California DOI licensed, focused on natural catastrophe residential coverage
What properties this carrier writes
Residential earthquake for single-family, condo, and renter policies in California. GeoVera has built its product specifically around California risks, with underwriting guidelines calibrated to the state's construction types, fault geography, and retrofit programs.
Policy structure
Deductible options: Percentage deductibles typically 5%–25%. GeoVera's form terms and deductible structures are specific to the policy version — review the current policy form with a broker.
Coverage parts available: Dwelling, personal property, loss of use, and building code upgrade. GeoVera's loss of use coverage has historically offered strong ALE limits relative to dwelling coverage — important in regional earthquake scenarios with extended contractor shortages.
Why brokers include this carrier
California-specific underwriting expertise. AM Best A- admitted carrier. Natural catastrophe focus means claims handling, reinsurance structure, and product design are built for earthquake events rather than adapted from general property forms.
What to review before binding
GeoVera's market appetite and pricing are influenced by California reinsurance market conditions, which can fluctuate following major events. Portfolio concentration in California means pricing and availability may adjust more than broader national carriers.
Broker access and submission
GeoVera is a strong comparison point especially for homeowners who want a carrier whose entire product line is earthquake-focused. Independent brokers include GeoVera alongside Palomar and CEA when building comparison sets for California residential earthquake placements.
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 · ICW Group · Arrowhead · Munich Re · QBE · AXIS Capital · Lloyd's of London · Homeowners of America · Specialty and E&S markets