Yes. This product is an admitted product in the States of NJ & FL, and offered on a surplus lines basis in CA, CO, CT, GA, IL, LA, MA, NC, PA, SC, TX & VA. It meets and exceeds the mandatory purchase guidelines in all states. It is fully lender compliant per 42 U.S.C 4012a(b)(7) and the Biggert-Waters Food Insurance Reform Act of 2012 in all respects, and includes a policy guarantee to that effect in the event you believe we have gaps.