Category Archives: Residential

Residential Insurance

Earthquakes Do Not Have A “Season”!

Consider earthquake insurance

As the holiday season ends, the 4.5 magnitude earthquake near Banning this morning serves as the most recent reminder that there is not a “season” for earthquakes in California.

Earthquakes frequently occur and can happen at any time!  See the number of earthquakes for the last week below.  

With Value Select, earthquake insurance is more affordable and better than ever including:

  • -The lowest deductibles (as low as 2.5%).
  • -The broadest coverages with highest limits for Dwellings, Other Structures (swimming pools, patios, retaining walls, etc.), Personal Property, Loss of Use and Loss Assessment.
  • -Very competitive and affordable rates that are lower than the CEA in many areas.

Contact your insurance agent or us today and ask about Value Select earthquake
insurance to protect your home and property!


Over 200 Earthquakes Shake San Ramon – How to Respond

Consult your clients on insurance solutions

The USGS has reported over 200 earthquakes in the past week, mostly centered around San Ramon and the Calaveras Fault. Although most of the earthquakes reached magnitudes between 2-3, homeowners were still shaken by events, realizing that now is a good time to consider earthquake insurance.

Check out this article to read more about the recent quakes and homeowners’ reactions.

As indicated in the article, this is a great opportunity to reconnect with your clients and consult them on the importance of earthquake insurance.  With Value Select, homeowners now have access to broader, more affordable earthquake coverages with the lowest deductibles in the marketplace.

You can quote their home easily and within a few minutes on Arrowhead Exchange.

Please contact us if you have any questions regarding Value Select or marketing earthquake insurance to your customers and prospects.  We’re here to help!

Great California Shakeout Today!

Millions of people worldwide will practice how to Drop, Cover, and Hold On at 10:15 a.m. today, October 15, during Great ShakeOut Earthquake Drills.  

Participating is a great way for your family or organization to be prepared to survive and recover quickly from big earthquakes– wherever you live, work, or travel.

If you haven’t done so, now is also a great time to consider earthquake insurance to protect the financial security of your family.  Value Select provides more affordable earthquake insurance with the broadest coverages and lowest deductibles in the marketplace.  Check it out today!

The Risk is Real!

The U.S. Geological Survey (USGS) recently released a report raising the chance of a large, 8.0 magnitude or greater, earthquake hitting California within the next 30 years.
(LA Times –

It’s time to prepare!  Look into Value Select earthquake insurance today!

Value Select is the most comprehensive earthquake program in California.  Value Select offers lower rates, unique, á la carte coverages (with deductibles as low as 2.5%) and expanded eligibility guidelines making coverage available to most home and property owners in all areas of California.

TriCoast Launches Value Select property insurance programs in California and Hawaii!

TriCoast Insurance Services is excited to announce the launch of two new Value Select catastrophe property insurance programs in California and Hawaii.

Value Select Earthquake – Available in California, Value Select Earthquake is the most comprehensive earthquake insurance program in the state.  Value Select Earthquake offers lower rates, expanded eligibility guidelines, and unique, á la carte coverages with deductibles as low as 2.5%.  Coverages can be tailored to the needs of home, condo and rental property owners up to $15 million in value.

Value Select Hurricane – Available in Hawaii, Value Select Hurricane is designed for homes, condos and rental properties with very competitive rates, broad coverages and deductibles as low as 1%.  Coverages can be tailored to the needs of home, condo and rental property owners up to $10 million in value.

Both products are underwritten by Palomar Specialty Insurance Company, licensed and admitted in each state and rated ‘A-‘(Excellent) by A.M. Best.

Click on the Insurance Solutions tab for more details on each program.

Did you feel it?

The U.S. Geological Survey recently released new earthquake hazard maps for the nation, expanding seismic risk areas along the East Coast and in California, among other areas. In California, the discovery of new faults raised hazard estimates for San Jose, Vallejo and San Diego.

If you own a home, you really should consider earthquake insurance!


Earthquake in Los Angeles today…”an eye-opener”…

The 4.4 earthquake in Los Angeles, CA today serves as a reminder that we live in earthquake country.  As a resident from West Hills, CA commented this morning, “It felt like a bomb going off underneath our house,” It was an eye-opener.”

The time to prepare for an earthquake is prior.  Are you prepared including getting earthquake insurance to protect your home and property?  Contact us today at for an earthquake insurance quote.  

Also, visit this site for good info on what to do before and during an earthquake: