Program Advantages - High Value Coverage

IIABCal and program partner Arrowhead have a High Value Residential Quake Program.  IIABCal members automatically have access to the High Value market as part of the IIABCal Residential Earthquake Program and receive a one-way addendum when quoting.

IIABCal members simply quote on line as with the Residential Earthquake product underwritten by QBE Insurance Corporation and if applicable receive a High Value Residential Quake quote from the carrier Palomar Specialty Insurance Company.  There is no appointment process and no minimum production requirements.  In addition, there are no additional codes and the submission process is the same.

Arrowhead Exchange Online rating, click here.

  • Quick & Accurate
  • Easy to use and immediate results
  • 24/7 Online accessibility
  • Quotes saved for retrieval
  • Internet connection a requirement – Automatic Updates

Palomar Specialty, Admitted A- (VII) rated carrier by A.M. Best Company, will underwrite the high-value market and offer coverage for the following:

  • Policy limits up to $10 million total insured value for all California Zip Codes
  • Any dwelling age acceptable, provided homes built prior to 1955 have proof of retrofitting
  • Dwellings built prior to 1972 must be properly anchor-bolted to the foundation and cripple walls must be braced with plywood (or equivalent)
  • Residence types must be individually owned with 1-4 family dwellings
  • Dwelling must be made of frame construction
  • Coverage amount must be equal to the underlying dwelling limit
  • All pre-existing earthquake structural damage must be repaired prior to writing coverage

An optional “Plus” Endorsement can be added to the Superior EQ Policy, Featuring:

  • Sub-limit for swimming pool increase to $50,000
  • Loss of use cap increased to a maximum of $200,000

More Information:

High-Value Form/Application
High-Value Underwriting Guidelines
High-Value Marketing Flyer

High-Value Program Underwriter

As an admitted insurance company with an “A-“ (Excellent) rating from A.M. Best Company, Palomar Specialty takes pride in its strong customer and reinsurance relationships, best-in-class catastrophe modeling technology, and our personal commitment to taking a long term view of high-value earthquake risk.

Program Advantages - Residential

Administered by Arrowhead General Insurance Agency and underwritten by QBE Insurance Corporation (“A” Excellent), IIABCal offers Residential and High-Value Residential earthquake programs. Access online rating at Arrowhead Exchange.

  • Quick & Accurate
  • Easy to use & immediate results
  • 24/7 Online accessibility
  • Quotes saved for retrieval
  • Internet connection a requirement – Automatic Updates

​​To see how easy it is to quote, view Arrowhead's  quote video.

Target Risks:

  • Newer structures or retrofitted
  • Built on flat or gently sloping lots with slab or raised concrete foundations

Unique Features:

Special "EQ Plus Endorsement" Available

  • Increases limits for swimming pools and other types of property, in addition to increasing the Loss of Use cap up to $100,000. 

Superior EQ Policy

Select Dwelling Limit

Other Structures, 10%

Contents, 50%

Loss of Use, 20% up to $25,000 (up to $100,000 w/EQ Plus endo)

Loss Assessments, $10,000

10% or 15% deductible

Standard EQ Policy

Select Dwelling Limit

Other Structures, N/A

Contents, $5,000

Loss of Use, $1,500

Loss Assessments, N/A

15% Deductible

Condo EQ Policy

Dwelling, $25,000

Other Structures, N/A

Select Content Limits

Loss of Use, $2,500

Loss Assessments, $5,000

10% Deductible


  • Dwellings - $75,000 minimum to $5 million maximum dwelling replacement limit
  • ​All California counties with the exception of Los Angeles county where the maximum is $5 million
  • Condominiums - $25,000 minimum to $500,000 maximum content limits
  • Any age for dwellings is acceptable provided homes built prior to 1955 have proof of retrofitting. 
  • Condominiums must be built 1960 or newer


  • 10% commission is paid on new and renewal business

More Information

Residential Quake Form/Application
Residential Quake Underwriting Guidelines
Residential Quake Frequently Asked Questions

Residential Program Underwriter

QBE is a 130 year old, $15 billion global insurance company, operating in every key insurance market in the world. It offer the unique integration of financial strength, a broad product set and sophisticated capabilities to deliver greater value for our distribution partners and policyholders.

QBE’s superior coverage forms and outstanding claims capabilities serve policy holders locally, nationally and globally. Its highly selective distribution model creates a powerful combination for policy holders who benefit from deep underwriting expertise, exceptional local service, and sound risk management advice.

Contact Information

Specific Policy Questions? Call 877-233-9722, Fax:t 619-881-8456 or Email:
Technical Support? Call 800-333-5553, Ext 6844.  Online rating: