Financial strength and market type
- Financial strength: AM Best A+ (Superior) — admitted carrier, one of the highest financial strength ratings in the residential EQ market
- Market type: Admitted carrier — California DOI regulated, independent agent distribution
What properties this carrier writes
Residential earthquake for owner-occupied single-family homes and condominiums in California. ICW has broad appetite for standard construction and may be competitive on older homes with documented retrofit.
Policy structure
Deductible options: Percentage deductibles from 5%–25% depending on construction, foundation, and dwelling limit. ICW's admitted status means deductible structures follow CDI-approved policy forms.
Coverage parts available: Dwelling, personal property, loss of use / ALE, and building code upgrade. ICW's policy forms are admitted and CDI-approved — important for lender-required earthquake coverage.
Why brokers include this carrier
AM Best A+ Superior rating is the strongest financial strength designation available. Admitted carrier status means California guarantee fund protection and CDI oversight. ICW is family-owned and operated with deep California roots — relevant for long-term carrier stability.
What to review before binding
ICW distributes exclusively through independent agents — not available direct or through captive agent networks. Underwriting appetite on specific property types should be confirmed with a broker who has current placement experience.
Broker access and submission
The AM Best A+ rating makes ICW a strong option when financial strength is a priority — particularly for lender-mandated earthquake coverage or higher-value homes where carrier stability matters. Independent brokers with ICW appointments include it in competitive comparison sets.
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 · Arrowhead · Munich Re · QBE · AXIS Capital · Lloyd's of London · Homeowners of America · Specialty and E&S markets