Yes. This product is an admitted product in the States of NJ & FL, and offered on a surplus lines basis in AL, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, LA, MA, MD, ME, MI, MN, MS, NC, NJ, NM, OH, OR, PA, RI, SC, TX, VA, WA, & WV. 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.