Palomar Holdings, Inc.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Palomar’s verified public underwriting/appetite detail on its official site is strongest for Commercial DIC/Earthquake and for residential catastrophe products rather than a broad homeowner appetite guide. For commercial DIC/earthquake, Palomar writes admitted business in AK, AR, AZ, CA, IL, IN, KS, KY, MO, NV, OK, OR, TN, UT, and WA, with earthquake available standalone and DIC including earthquake, EQSL, and flood outside flood zones A and V. Target occupancies include apartments/condos, nursing homes, mercantile/shopping centers, offices/professional buildings, hotel/motel, lessors risk, light manufacturing/assembly only, and course of construction. Publicly noted restrictions include BI exposure over 40% of TIV, highly damageable contents over 10% of TIV, tuck-under/soft-story parking, poor soil/liquefaction or bay mud/soft soil, unreinforced masonry, frame construction older than 1956, and other construction older than 1975 unless retrofitted. Required submission data shown publicly: original year built, construction type, occupancy, number of stories/building height, parking type, square footage, and TIV breakdown. Residential earthquake is positioned as standalone homeowners/condo-unit coverage requiring companion homeowners or dwelling fire insurance. Acceptable occupancies include 1-4 family dwellings, condo units, occupied rentals, and vacation/secondary residences; acceptable construction includes frame, masonry veneer, reinforced masonry, and URM subject to underwriting review; Palomar states no age, height, or geographic restrictions on that page, with availability listed in AR, AZ, CA, IL, IN, KS, KY, NV, OK, OR, TN, TX, UT, and WA. For residential flood, Palomar’s official flood overview indicates focus on occupied 1-4 family dwellings, with condo unit-owner coverage in select states. Public restrictions include no flood claims in the past 10 years, no flood loss over $150,000, no mobile or manufactured homes, and no homes located in, on, over water, or seaward of mean high tide. The flood sheet also notes no waiting period subject to weather moratorium, fixed deductibles as low as $500, dwelling limits up to $5,000,000, personal property up to $1,000,000, optional replacement cost endorsement, and mortgage acceptability comparable to NFIP. Broker/producer notes: Palomar distributes through agents and brokers, highlights online tools to quote and bind residential risks quickly, maintains a ProducerPASS login, and has a Become an Agent page where agencies can request appointment and indicate interest by product line. Based on the verified public pages reviewed, there is no single official broad Home/Flood underwriting appetite page that consolidates all homeowner submission rules; the strongest verified underwriting page remains Commercial DIC/Earthquake, with supplemental official residential earthquake/flood product guidance used for this refresh.