An earthquake endorsement attaches to your existing homeowners policy — administratively simple and typically less expensive. A standalone policy from a specialty carrier (Palomar, GeoVera, ICW, Arrowhead) provides broader coverage limits and more flexible deductibles for high-value homes or high-risk locations. In practice, an independent agent can quote both structures side-by-side.
Bridgeway Insurance represents multiple carriers to compare pricing across both paths.
