Most other quake insurance carriers, require a huge deductible, equivalent to 10% - 20% of the "Homes Structures - Coverage Limit".
Example: A homes structure value is $300,000 x 10% = $30,000 Deductible
This means, the value of the quake damage, must exceed $30,000, before a claim can be filed, to pay for damages above this amount.
We Provide Low 2.5% Deductibles
PALOMAR's Provides an affordable 2.5% deductible that applies to each coverage limit as you NEED it, such as "Loss of Use" that provides alternative housing.