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.

california homeowners

California Homeowners Program

Developed for primary and owner-occupied residences.

 

PROGRAM HIGHLIGHTS1

  • Available statewide.

  • Maximum Coverage A limit up to $2 million with optional limit up to 25%.

  • Maximum Coverage E limits up $500,000 or $1 million.

  • Eligibility for seasonal and secondary homes and 1-4 unit family dwellings.

  • Equipment breakdown and service line endorsements available.

  • No acreage limit for some programs.

CARRIERS

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California Dwelling Fire Program

Developed for secondary/seasonal owner- or tenant-occupied for 1-4 unit family dwellings.

 

PROGRAM HIGHLIGHTS1

  • Maximum Coverage A limits up to $2 million.

  • 25% and 50% additional amounts of insurance options available.

  • Identity Theft Restoration Expense coverage where eligible.

  • Water backup limits up to $25,000.

CARRIERS

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california dwelling
california earthquake

California Earthquake Program

Developed for 1-4 unit family residences, 1-4 unit townhouses, and condos with residential occupancy.

 

Geovera Single Limit and Quake Select Flex Limit Program Highlights2

 

  • Single Limit:

    • Combined single limit for all coverages (dwelling, other structures, personal property, additional living expenses) up to $5 million.

    • No year-built restrictions.

    • Building code upgrade of $10,000 included.

    • Deductible options: 10%, 15%, 20%, or 25% of single limit.

  • 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 and Flex Limit Program Highlights1,2

 

  • 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.

  • 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.

 

CARRIERS

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California BOP

This package combines coverage for buildings, contents, and loss of income, with customizable options to fit the needs of small- and medium-sized businesses.

 

PROGRAM HIGHLIGHTS1

  • TIV limits up to $15 million per location.

  • Eligibility for eight industries and 400+ classes (including artisan contractors and motels).

  • Wildfire mitigation discounts are available.

  • Coastal risks located 0.05 miles or more from the shoreline are eligible.

  • Flexible monthly, quarterly, and semiannual payment options are available.

  • Available statewide.

CARRIERS

 

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california business

Need to chat with us?

 

Reach out to your sales manager for more information about any of our California products.

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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.