Financial strength and market type
- Financial strength: AM Best rating varies — confirm current rating on any specific quote; admitted carrier in select states
- Market type: Admitted specialty carrier — California DOI licensed in select markets
What properties this carrier writes
Residential earthquake for owner-occupied homes in California where the carrier is currently writing. Appetite and availability vary by county and property type — confirm current guidelines with a broker.
Policy structure
Deductible options: Standard percentage deductibles. Availability of specific options depends on property characteristics and current underwriting guidelines.
Coverage parts available: Dwelling, personal property, loss of use, and building code upgrade per policy form terms. Review the specific form version with the placing broker.
Why brokers include this carrier
Admitted carrier with CDI oversight. Independent agent distribution allows brokers to include it in competitive comparisons. Can be competitive on certain property types where larger specialty carriers price aggressively.
What to review before binding
Market availability and appetite for California earthquake can shift with reinsurance conditions and portfolio management decisions. Confirm current appetite with a broker who has recent placement experience.
Broker access and submission
Homeowners of America is one of several admitted carriers included in broker comparison sets for California residential earthquake. An independent broker can quickly determine whether it's competitive for a specific property profile by running parallel market submissions.
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 · AXIS Capital · Lloyd's of London · Specialty and E&S markets