350 10th Avenue Suite 1450 San Diego, CA 92101
Fax: (619) 593-2176
  • More Affordable
  • Higher Limits
  • A - Rated Carrier
  • Flexible Pay Plans
  • Low Deductibles
  • Broad Coverages
  • Direct Bill
  • Highest Commissions Available!!

The maximum policy limit available for a single covered event across all coverages is $5 million.


Dwelling on the residence premises

  • Dwelling Type – Single Family Dwellings, Multi-Family Dwellings (up to 4 units) & Condominiums (Rental properties acceptable)  
  • Dwelling Construction – Wood frame, steel frame, wood/steel combination, with stucco and masonry veneer, reinforced  masonry
  • Dwelling Age – 1937 and newer
  • Foundation – Slab, basement, cripple wall, raised wall and concrete perimeter foundations
  • Retrofitting – Not required – discounts for retrofitted dwellings built prior to 1973
  • Dwelling Height – No height restrictions
  • Geographic Restrictions – California Only
  • Dwelling Type – Multi-Family Dwellings with more than 4 units  
  • Dwelling Construction – Unreinforced masonry, tuck-under parking, modular/ mobile homes, structures on stilts or pilings, historic buildings, unbolted foundations and structures on soft soils (determined by POS platform)
  • Direct Bill with Flexible Pay Plan Options: Paid-in-Full, Semi-Annual, Quarterly, 6-Pay & 10-Pay
  • $50 Policy Fee, $6 Installment Fee & $25 Cancellation Fee
  • All major credit cards accepted

To get an appointment to write our new Optimum Residential Earthquake Program, go to, e-mail us at or call us at (619) 659-7166.

For more information on our Residential Earthquake product:

Please contact Alyssa Ortega at