Earthquake Available: AR, AZ, CA, HI, IL, IN, KY, KS, ME, MO, MS, NV, OK, OR, SC, TN, TX, WA
Earthquakes can inflict catastrophic damage and Homeowners insurance policies do not typically cover losses caused by earthquakes. Strong earthquakes occur, on average, every two months in the US, posing significant risk. Palomar provides industry-leading coverages and flexible policies.
Flood Available: AR, AZ, CA, CO, HI, IL, IN, KY, ME, MI, MS, NM, NV, OK, OR, PA, SC, TN, UT, VA, WA, WI
Palomar flood is easier to obtain and offers broader coverage than policies backed by the National Flood Insurance Program (NFIP). Palomar can quote any flood zone and does not require an elevation certificate, waiting period or, in many cases, an upfront payment to secure coverage.