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Palomar Specialty Insurance Company was founded in 1963 and offers catastrophe and specialty insurance in a number of states.

Flood Guard, their private residential flood product, is available in AZ, CA, HI, IL, IN, NV, OK, OR, PA, SC, and UT. Their residential product range of insurance plans includes coverage for earthquakes, hurricanes, floods, and other disasters. Condominium, dwelling fire, and standard and select homeowners policies are available in select states.

Residential Specialty Homeowners insurance plans are also offered by Palomar in partnership with Cabrillo Coastal. Cabrillo Coastal is also an insurance carrier offered on

Group 791
Customer Rating

Palomar has a insurance carrier rating of 4.5 out of 5 stars based on our research.

They provide comprehensive and innovative insurance solutions to protect individuals from catastrophic loss. They are Better Business Bureau accredited and have a BBB Rating of “A+”.

Our carrier rating takes into account several factors about the insurer, our industry-experienced research, policyholder’s feedback, and other publicly available data. We also take into account the carrier’s financial stability, organizational structure, and history as well as their historical claims payout data to generate our comprehensive carrier profiles with a low to high rating of between 1 to 5 stars.

Financial Stability

Palomar has an A.M. Best Credit Rating of “A- or Excellent”, a Credit Rating scoring opinion of an insurer’s financial strength and ability to meet their ongoing insurance policy and contractual obligations.

They do not have a Financial Stability Rating from Demotech Inc. for their long-term stability. Financial Stability Ratings (FSRs) are a leading indicator of the financial stability of Property and Casualty insurers.

AM Best is an independent insurance rating agency that provides credit ratings and financial data products for the insurance industry. Demotech Inc. specializes in providing ratings and detailed financial analysis of regional and specialty insurers.