SageSure Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with SageSure. We write SageSure homeowners, dwelling fire, condo, and manufactured home policies in California, including homes in wildfire areas where SageSure has more appetite than most carriers, subject to underwriting.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010.
- Home, Dwelling, Condo, and Manufactured
- Surplus Lines Homeowners
- 850+ Five-Star Google Reviews
- Spanish-Speaking Agents
- Local Yuba City Office
A Home Insurance Underwriter Built for Hard Markets
SageSure was founded in 2009 as a managing general underwriter for catastrophe-exposed markets. It designs, underwrites, and services home insurance programs on behalf of the insurers that issue the policies, and it says it has surpassed $3.2 billion in premium. SageSure has served the California market since 2013.
In February 2024, SageSure and SureChoice Underwriters Reciprocal Exchange (SURE) launched surplus lines homeowners coverage in California, as several of the state's largest insurers were restricting new business because of wildfire risk. SageSure's California program page now lists several issuing insurers and notes that its products are offered on a surplus lines basis, and your declarations page names the insurer on your policy. Surplus lines policies are not protected by the California Insurance Guarantee Association (CIGA). In California, Oakview places surplus lines coverage only when the admitted market is not available for the home, and we place it through a licensed surplus lines broker. In our experience, SageSure has a heavier appetite for homes in wildfire areas than most carriers we access. Not every home meets its criteria, though: the home's location, construction, condition, occupancy, and loss history all shape the decision, along with SageSure's capacity in the area, so availability varies by property and location.
SageSure Coverage Through Oakview
Oakview writes SageSure homeowners (HO3), dwelling fire (DP3), condo (HO6), and manufactured and mobile home policies in California. Coverage is subject to underwriting by SageSure and the issuing insurer, policy terms, limits, and exclusions.
Lead Program
Homeowners (HO3)
SageSure's California primary homeowners program writes owner-occupied homes with Coverage A up to $2 million and liability up to $1 million, and equipment breakdown and service line coverage are available. A separate secondary and seasonal homeowners program writes primary, seasonal, secondary, and short-term rental homes up to $3 million in total insured value, and SageSure's program page says roofs of any age are eligible in that program, subject to underwriting. See our homeowners insurance page and high fire area insurance page.
- Primary Homes
- Secondary and Seasonal Homes
- Liability to $1M
- Equipment Breakdown
- Service Line
Dwelling Fire (DP3)
SageSure's California dwelling programs cover secondary and seasonal homes and owner- or tenant-occupied one- to four-unit dwellings, with a separate program for annual and short-term rentals, vacant homes, and trust- or corporate-owned rentals. Depending on the program, options include liability, identity theft restoration expense where eligible, and water backup coverage up to $25,000.
- Rental Homes
- Seasonal Homes
- Vacant Homes
- One- to Four-Unit Dwellings
Condo (HO6) and Manufactured Homes
SageSure's residential condo program covers the interior structure of your unit, personal property, liability, loss of use, and loss assessment, for primary and seasonal occupancy, including short-term rentals. Oakview also writes manufactured and mobile homes through SageSure, subject to underwriting.
- Interior Structure
- Personal Property
- Loss Assessment
- Manufactured and Mobile Homes
Wildfire, Flood, and Earthquake in the Valley
Wildfire and the Foothills
Homes toward the Sierra foothills, in eastern Yuba County, and around Oroville and Paradise in Butte County are often the hardest to place. SageSure is one of the first programs we check for these homes. When we submit one, we include what you have done, such as ember-resistant vents, a Class A roof, and defensible space. Those steps help a submission, but they do not by themselves guarantee eligibility or a discount. See our high fire area insurance page.
After a Non-Renewal
If your carrier has non-renewed your home, call us before the policy ends. We check SageSure alongside the other carriers and surplus lines markets we can access, and we look at the California FAIR Plan, the state's last-resort program, only after those options. Because SageSure's California policies are surplus lines, we go over those disclosures with you before you buy.
Flood and the Levees
Standard homeowners policies generally do not cover flood damage. Much of Yuba City, Marysville, Plumas Lake, and Linda sits behind levees along the Feather and Yuba Rivers, and flood risk varies from one property to the next. Oakview writes flood coverage as a separate policy, and we can quote it alongside your SageSure policy.
Earthquake
Standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Ask us to check earthquake options for your home when we quote your SageSure policy.
SageSure Policies and Who They Fit
| Coverage | Who it's for |
|---|---|
| Homeowners (HO3) | Owner-occupied primary homes, plus secondary, seasonal, and short-term rental homes in SageSure's expanded program. Availability varies by property and location |
| Dwelling Fire (DP3) | Owners of rental, seasonal, secondary, and vacant homes, including one- to four-unit dwellings and trust- or corporate-owned rentals |
| Condo (HO6) | Condo owners, including primary, seasonal, and short-term rental units |
| Manufactured and Mobile Home | Owners of manufactured and mobile homes, subject to underwriting; availability varies by property and location |
Coverage is subject to SageSure underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on SageSure
SageSure's California policies are surplus lines, which work differently from a standard admitted policy. At Oakview, we explain those differences before you buy, review your coverage at renewal, and compare it with other carriers when that makes sense. SageSure is one of more than 100 A-rated carriers we can access, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. If SageSure is not the right fit for your home, we can quote the other carriers we can access in the same conversation.
Our team is 20 dedicated insurance professionals, and two of our personal lines agents speak Spanish and can help with business and farm policies too. We have earned 850+ five-star Google reviews, and Oakview was voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Read our reviews on Google, or call us at (530) 674-5054.
Where We Write SageSure Coverage
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Office
Oakview Insurance Services, Inc.
1670 Sierra Ave Ste 303, Yuba City, CA 95993
(530) 674-5054 · info@oakviewins.com
Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base: Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, along with Sutter, Meridian, and Loma Rica.
Butte and Colusa Counties
North of the office we serve Chico, Oroville, and Gridley in Butte County, and Colusa and Williams to the west.
Greater Sacramento
To the south we work with clients in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
SageSure Insurance Questions, Answered
Is Oakview an appointed SageSure agent?
Yes. Oakview Insurance Services is an independent agency appointed with SageSure, and our Yuba City office appears in the search on SageSure's Find an Agent page. We are one of the local independent agencies that can quote and service SageSure policies, not a SageSure employee or a captive agent.
Is SageSure an insurance company?
SageSure is a managing general underwriter. It designs, underwrites, and services the policies, and an insurer issues them. In California, SageSure's program page lists several issuing insurers, and your declarations page names the insurer on your policy. We review that insurer with you before you buy.
Are SageSure policies admitted or surplus lines in California?
SageSure's California homeowners and dwelling programs are offered on a surplus lines basis, so the insurer is non-admitted. Surplus lines policies are not protected by the California Insurance Guarantee Association (CIGA). We place surplus lines coverage only when the admitted market is not available for the home, working through a licensed surplus lines broker, and we go over the disclosures with you before you buy.
Will SageSure write my home in a high fire area?
Often it will consider it. In our experience, SageSure has a heavier appetite for homes in wildfire areas than most carriers we access. Not every home meets its criteria: the location, construction, condition, occupancy, and loss history all shape the decision, along with SageSure's capacity in the area, so availability varies by property and location.
What does Oakview write with SageSure in California?
Through Oakview, SageSure writes homeowners (HO3) for primary, secondary, and seasonal homes, dwelling fire (DP3) for rental, seasonal, and vacant homes, condo (HO6), and manufactured and mobile home policies. SageSure is taking new business through our office, subject to underwriting, and availability varies by property and location.
Does a SageSure policy cover flood or earthquake?
Standard homeowners policies generally do not cover flood damage, and standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Oakview writes flood as a separate policy, and we can check earthquake options when we quote your home.
How do I file a claim with SageSure?
You can file a claim online through the MySageSure portal or call SageSure at (866) 311-7243. You can also call our office at (530) 674-5054 and we will help you get it started.
Why work with Oakview instead of going to SageSure directly?
With Oakview, your agent is a local office that can also quote the other carriers and surplus lines markets we can access. If SageSure is not the best fit for your home, we will tell you and show you what is. You can fill out our online quote form or call (530) 674-5054, and you can start the request before every document is ready.
Does Oakview serve SageSure clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Yuba-Sutter, Butte and Colusa Counties, and greater Sacramento. Existing SageSure policyholders can find claims and billing contacts on our carriers page.
Talk to a Local SageSure Agent
Tell us about your home, rental, condo, or manufactured home, and we will check whether SageSure is a fit. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | SageSure is a managing general underwriter. SageSure California homeowners and dwelling products are offered on a surplus lines basis by non-admitted insurers and are not protected by the California Insurance Guarantee Association. Oakview Insurance Services is an independent insurance agency appointed with SageSure and is not owned or operated by SageSure. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.