California Insurance Programs

Built for catastrophe-exposed property and the real risks property owners face, SageSure’s exclusive programs provide essential protection and deliver significant value for your California clients.

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california earthquake

Table of Contents

Find What You’re Looking For

California Homeowners Programs for Reliable Coverage & Optionality

Protect homeowners with coverage designed for your clients’ real needs.

BACKED BY HIGHLY RATED PROVIDERS

SafePort
Markel

Signature Appetite

Primary Homeowners

$2M

Max Cov A

  • For primary and owner-occupied residences.
  • Seasonal and secondary homes and 1-4 unit family eligible.
  • Up to $1 million in liability.
  • Equipment breakdown and service line available.
  • No acreage limit for some programs.1

EXPANDED APPETITE

Secondary & Seasonal Homeowners

$3M

Max TIV

  • Primary, seasonal, secondary, and short-term rental occupancy eligible.
  • Roofs of any age eligible.
  • Up to $1 million in liability.1

California Dwelling Programs Made for Real Life

Made to address the flexible protection needs for property owners with secondary, seasonal, rental, or vacant homes.

Backed by Highly rated carriers

SURE
SafePort
Markel

Signature Appetite

Secondary & Seasonal Dwelling Fire

$2M

Max Cov A

  • For secondary, seasonal, owner- or tenant-occupied 1-4 unit family dwellings.
  • 25% and 50% additional amounts of insurance options available.
  • Identity Theft Restoration Expense coverage where eligible.
  • Water backup limits up to $25,000.1

EXPANDED APPETITE

Rental & Vacant Dwelling Fire

$3M

Max TIV

  • For primary, seasonal, secondary, annual tenant, short-term rental, and vacant occupancies, including trusts and corporate-owned residential rentals.
  • Roofs of any age eligible.
  • Up to $1 million in liability.1
california condos

California Condo Coverage Made Easy

The Markel condo program is designed for primary and seasonal occupancies, including short-term rentals, and offers TIV limits for high-value condos.1

Residential Condo

Includes flexible protection for:

  • Interior structure
  • Personal property and liability
  • Loss of use
  • Loss assessment

Flexible Residential Earthquake Solutions

Help your clients get earthquake insurance to cover seismic risk excluded from standard homeowners policies. Built for residential 1–4 unit family homes, 1–4 unit townhouses, and residential condos.

BACKED BY CARRIERS RATED “A” (EXCELLENT) BY AM BEST

GeoVera Insurance

GeoVera Single Limit

  • Up to $5 million in combined single limit for all coverages.
  • No year-built restrictions.
  • Building code upgrade of $10,000 included.
  • Deductible options: 10%, 15%, 20%, or 25% of single limit.

GeoVera Quake Select Flex Limit

  • Maximum $3.5 million Coverage A limit; all other coverages are optional.
  • Available for homes built in 1925 and newer.
  • Building code upgrade is customizable.
  • Deductible options: 2.5%, 5%, 7.5%, 10%, 12.5%, 15%, 20%, or 25% of Coverage A.

Quake Plus+ Single Limit

  • Combined single limit for all coverages (dwelling, other structures, personal property, additional living expenses) from $3 million to $7.5 million.
  • No year-built restrictions.
  • Building code upgrade of $10,000 included.
  • Deductible options: 10%, 15%, 20%, or 25% of single limit.1

Quake Plus+ Flex Limit

  • Coverage A limit range of $3.5–$5 million; all other coverages are optional.
  • Available for homes built in 1925 and newer.
  • Building code upgrade is customizable.
  • Deductible options: 10%, 12.5%, 15%, 20%, or 25% of Coverage A.1

California Commercial Programs Built for Growing Businesses

Offer your small and fast-growing commercial clients flexibility and convenience with a business owners policy (BOP). Combine coverage for buildings, contents, and loss of income or a monoline property-only solution.

BACKED BY HIGHLY RATED CARRIERS

SafePort

BOP & Property-Only

  • Up to $15 million TIV per location.
  • 8 industries and 400+ classes eligible (500+ for property-only).
  • Wildfire mitigation discounts.
  • Risks 0.05 miles or more from the coast.
  • Flexible monthly, quarterly, and semiannual payment options.
  • Available statewide.
california business

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1. This product is offered by the insurer on a surplus lines basis. Coverage may only be obtained through a duly licensed surplus lines broker such as SageSure. Any descriptions herein are meant as summaries only, and may not include all terms, conditions, and exclusions of the policy described.  

2. Refer to underwriting manual for full guidelines.