SageSure Insurance
Northern California's SageSure Agent

SageSure Home Insurance
in Yuba City & Northern CA

Wildfire-exposed property coverage when traditional carriers say no — serving Butte, Yuba, Sutter, Glenn, Colusa & Yolo Counties

Get a Free Quote (530) 674-5054
CA FAIR Plan Alternative
Wildfire High-Risk Specialists
970,000+ Policyholders Nationally
CA Lic #0L91635
About SageSure

America's Largest Residential Property MGU

Founded in 2009, SageSure is a technology-driven managing general underwriter (MGU) built specifically for catastrophe-exposed markets. Where traditional carriers retreat, SageSure steps in with rated-carrier-backed coverage.

2009
Year Founded — Purpose-Built for Hard Markets
970K+
Active Policyholders Nationwide
$3.2B
In-Force Premium Under Management

SageSure's California Wildfire Specialty

As seven of California's largest insurers restricted or exited the state's homeowners market, SageSure moved in the opposite direction. Through its partnership with Acceptance Casualty Insurance Company (AM Best A- Excellent) and SureChoice Underwriters Reciprocal Exchange, SageSure brings private-market, surplus lines capacity to Northern CA homeowners in wildfire-exposed areas — including many who may qualify as a CA FAIR Plan alternative. Wildfire mitigation discounts are available, and SageSure's free Ting sensor program detects electrical hazards before they cause fires.

Surplus Lines Capacity CA FAIR Plan Alternative Wildfire Mitigation Discounts Free Ting Fire Sensor Program HO3 & DP3 Products Coverage Limits to $1.25M 24/7 Online Claims Portal
Coverage Options

SageSure Insurance Products

Standard Homeowners (HO3)

Open-perils dwelling coverage for owner-occupied primary residences. Covers dwelling, other structures, personal property, additional living expenses, and liability. Coverage limits available up to $1.25M.

Dwelling Fire (DP3)

Ideal for rental properties, second homes, and seasonal dwellings in Northern CA. Covers structural damage and loss of rental income. A strong solution for landlords whose primary carrier has non-renewed them.

Wildfire-Exposed Property

Extended protections for homes in WUI (wildland-urban interface) zones. Wildfire mitigation discounts available. Accepts risks in Butte County (Paradise/Oroville corridor) and other high-risk Northern CA zones.

Equipment Breakdown & Service Line

Optional endorsements covering mechanical and electrical breakdown of home systems, plus underground service line failures. Adds meaningful protection standard HO3 policies leave out.

Personal Liability (to $1M)

SageSure policies can include up to $1,000,000 in personal liability protection. Protects you if a family member, pet, or situation on your property leads to an injury or property damage claim.

Coverage At a Glance

What SageSure Covers

Coverage HO3 DP3 Notes
Dwelling Structure Yes Yes Open-perils basis; limits to $1.25M
Fire & Wildfire Damage Yes Yes SageSure's specialty; mitigation discounts apply
Personal Property Yes Limited Scheduled valuables endorsement available
Loss of Use / Rental Income Yes Yes DP3 covers loss of rental income for landlords
Personal Liability Yes Optional Up to $1,000,000 available
Equipment Breakdown Endorsement Endorsement HVAC, appliances, home systems
Service Line Coverage Endorsement Endorsement Underground water, sewer, electric lines
Service Area

Serving the Northern Sacramento Valley

Oakview Insurance is the local face of SageSure across six counties in the North State. We understand the wildfire exposure, flood dynamics, and rural property challenges unique to this region.

Butte County

  • — Chico
  • — Paradise
  • — Oroville

Sutter & Yuba Counties

  • — Yuba City
  • — Live Oak
  • — Marysville & Wheatland

Glenn & Colusa Counties

  • — Orland & Willows
  • — Williams & Colusa
  • — Arbuckle & Maxwell

Yolo County

  • — Woodland
  • — Davis
  • — Winters & West Sacramento
FAQs

Frequently Asked Questions

  • SageSure is a managing general underwriter (MGU), not a carrier itself. This means it designs, prices, and manages policies on behalf of AM Best-rated insurance carriers. In California, your actual policy is underwritten by Acceptance Casualty Insurance Company, a subsidiary of IAT Insurance Group, rated A- Excellent by AM Best. This structure gives you the benefit of SageSure's specialized wildfire expertise backed by a financially rated carrier.
  • Depending on the specific risk, yes. SageSure can, in many cases, be a private-market alternative to the CA FAIR Plan if your property meets their underwriting criteria. FAIR Plan is the insurer of last resort; SageSure is a market entrant specifically designed for high-risk, catastrophe-exposed properties. We evaluate each property individually. Contact us and we can run both options so you can compare coverage and price.
  • This is exactly the situation SageSure was built for. As a surplus lines specialty MGU, SageSure accepts risks that admitted carriers decline. Many homeowners in Butte County (especially around Paradise, Magalia, and the Oroville foothills) have found coverage through SageSure after being non-renewed by major insurers. Underwriting is still property-specific, so there is no guarantee of acceptance, but it is absolutely worth a quote.
  • In California, SageSure policies are issued on a surplus lines basis through Acceptance Casualty Insurance Company and SureChoice Underwriters. Surplus lines insurance is regulated by the California Department of Insurance and legally placed through a licensed surplus lines broker. Contact Oakview Insurance at (530) 674-5054 and we will walk you through exactly what that means for your policy.
  • SageSure's California products include wildfire mitigation discounts for homes with eligible hardening improvements (Class A roofing, ember-resistant vents, defensible space, etc.). Additional discounts may apply for centrally monitored alarm systems, homes 0.05 miles or more from the shoreline, and the Prime Time discount for homeowners age 50 and older in their primary residence. Flexible monthly, quarterly, and semi-annual payment options are also available. Contact us to see which discounts apply to your specific property.
  • Claims can be reported 24/7 online through the MySageSure portal at my.sagesure.com, or by calling SageSure directly at (866) 311-7243. A dedicated claims adjuster is assigned to your case, and you can track your claim status through the online portal. SageSure uses technology platforms including Snapsheet and ClaimsPay for efficient processing. You can also contact Oakview Insurance at (530) 674-5054 and we will help you navigate the process.

Need Home Coverage in a Wildfire Zone?

Oakview Insurance is your local SageSure agent in Yuba City. We compare options, explain your surplus lines disclosures, and make sure you have real coverage — not just a policy.

Get Your SageSure Quote Or call us: (530) 674-5054

Oakview Insurance Services, Inc. • 1670 Sierra Ave, Ste 303, Yuba City, CA 95993 • (530) 674-5054 • quotes@yourfavoriteagent.net
CA License #0L91635. SageSure policies in California are issued on a surplus lines basis through Acceptance Casualty Insurance Company and SureChoice Underwriters Reciprocal Exchange. Coverage subject to underwriting approval and policy terms and conditions. This page is for informational purposes only and does not constitute a binding quote or offer of insurance.

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