Palomar Specialty Insurance Reviews

Are you in the market for insurance to protect your valuable assets? Look no further than Palomar Specialty Insurance. This California-based company offers a wide range of insurance services, from earthquake and flood coverage to commercial property and liability policies.

But don’t just take our word for it – read on for a comprehensive review of Palomar Specialty’s offerings, customer reviews, pricing information, and more. By the end of this article, you’ll have all the information you need to determine whether Palomar is the right fit for your insurance needs.

What is Palomar Specialty Insurance?

Palomar Specialty Insurance is a California-based insurance company that specializes in providing high-quality and tailored insurance coverage for homeowners, businesses, and individuals. Founded in 2014, Palomar has quickly established itself as a leading provider of earthquake and flood insurance policies.

One of the things that sets Palomar apart from other insurers is its focus on customer satisfaction. The company prides itself on offering personalized service to policyholders, with dedicated claims specialists available around the clock to assist customers in times of need.

In addition to earthquake and flood coverage, Palomar offers a wide range of other insurance options for both personal and commercial clients. These include property insurance (both residential and commercial), liability coverage, cyber security protection, and more.

If you’re looking for an insurer that prioritizes customer satisfaction above all else while also offering comprehensive coverage options at competitive rates, Palomar Specialty Insurance might be just what you’re looking for.

What Services Does Palomar Offer?

Palomar Specialty Insurance offers a wide range of insurance policies for both personal and commercial needs. Their primary focus is on providing coverage for high-risk properties such as earthquake-prone regions, coastal homes, and wildfire zones.

For homeowners, Palomar offers policies that cover damage caused by natural disasters like hurricanes, earthquakes, wildfires, and floods. They also offer specialized coverage for luxury homes and vacation rental properties.

In addition to home insurance, Palomar provides commercial property insurance that protects businesses against losses from property damage or business interruption due to unforeseen circumstances.

One unique offering from Palomar is their standalone earthquake policy which covers not only the physical damages but also the financial losses incurred due to business interruptions caused by an earthquake.

Palomar’s products are available through a network of independent agents across multiple states in the US. With their expertise in high-risk areas and innovative offerings like standalone earthquake policies, Palomar Specialty Insurance can be an excellent choice for those seeking comprehensive protection for their homes or businesses.

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What do Policyholders Say About Palomar?

Palomar Specialty Insurance is a relatively new player in the insurance market, having been founded in 2014. Therefore, it may be difficult to find a plethora of customer reviews online. However, those that are available paint a positive picture.

Many policyholders have praised Palomar’s customer service team for being knowledgeable and responsive. They appreciate the ease with which they can reach someone who can answer their questions or resolve any issues they might be experiencing.

Others have expressed satisfaction with the coverage options provided by Palomar. The company offers specialty property insurance products such as earthquake and hurricane coverage, which are not typically covered under standard homeowners’ policies.

While there may not be an abundance of reviews to comb through just yet, the feedback from existing policyholders suggests that Palomar is a reliable company that provides quality services to its customers.

How Much Does Palomar Cost?

One of the most important factors to consider when choosing an insurance provider is cost. So, how much does Palomar Specialty Insurance cost?

The answer depends on several factors such as your location, the type of policy you need and the coverage limits you require. However, based on customer reviews, Palomar’s rates are generally competitive and reasonable for their level of coverage.

It’s worth noting that Palomar specializes in providing high-risk insurance policies which can be more expensive than standard policies offered by other insurers. This means that premiums may be higher for those living in areas prone to natural disasters or with previous claims history.

Palomar also offers a variety of discounts including bundling multiple policies together or installing safety devices in your home or business. It’s always best to speak directly with a representative from Palomar to get an accurate quote tailored specifically to your needs.

While not the cheapest option out there, many customers feel comfortable paying slightly higher premiums because they trust the quality and reliability of Palomar’s services.

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Is Palomar the Right Insurance Company for You?

Choosing the right insurance company can be a daunting task, especially when it comes to protecting your home or business. Palomar Specialty Insurance is a great option for those who want comprehensive coverage and peace of mind.

If you’re looking for an insurance provider that specializes in catastrophe risk, then Palomar may be the perfect match for you. They offer a range of policies that provide protection against natural disasters such as earthquakes, floods, hurricanes and wildfires.

Palomar also caters to specific industries such as hospitality and commercial real estate. Their tailored solutions mean that policyholders receive personalized service and coverage suited to their unique needs.

One thing to keep in mind with Palomar is that they do have higher premiums compared to some other insurance companies. However, this is due to their focus on providing top-tier coverage for catastrophic events.

Ultimately, whether or not Palomar is the right choice for you depends on your individual circumstances and needs. So it’s important to carefully consider all options before making a decision.


After analyzing Palomar Specialty Insurance’s services, customer reviews, and pricing, it is safe to say that this insurance company provides quality coverage for its policyholders. Their focus on offering specialized insurance policies sets them apart from other companies in the industry.

Palomar offers a range of products with competitive rates that cater to specific needs such as earthquake insurance. The company has received positive feedback from its customers regarding their claims handling process and customer service.

When considering an insurance provider, it’s essential to choose one that will provide the necessary coverage at reasonable prices while also providing excellent customer service. Palomar Specialty Insurance checks all these boxes and is definitely worth considering.

Ultimately, whether or not Palomar Specialty Insurance is the right fit for you depends on your unique requirements when it comes to coverage options and pricing. It’s always recommended doing thorough research before deciding which insurer to go with so you can make an informed decision based on your specific needs.