SageSure One Expands Homeowners Coverage in California
High-value homeowners in California can now access new insurance options for properties that meet wildfire safety standards.
Updated on Oct. 15, 2026 in Insurance
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SageSure One has expanded its homeowners insurance options in California with a new non-admitted HO5 product. This coverage is specifically designed for high-value properties requiring at least $1 million in primary coverage.
Why it matters
This expansion offers additional capacity for high-value California homes, particularly those in fire-prone areas that meet specific safety standards. It provides an alternative for property owners who struggle to find coverage for high-value assets through standard market providers.
The new HO5 policy offers up to $20 million in total insurable value for eligible properties. Each policy requires a minimum of $1 million in Coverage A limit.
The players
SageSure One
An insurance provider that manages property coverage programs across 16 states.
Olympus Insurance Co.
An insurance carrier providing the $20 million total insurable value backing for this specific product.
The details
The product is a non-admitted HO5 homeowners policy, which generally provides broader open-perils coverage compared to standard policies. To qualify for homes located in Very High Fire Hazard Severity Zones, properties must hold a Wildfire Prepared Home Plus designation and incorporate noncombustible structural hardening and defensible space measures. SageSure One assigns a dedicated consultant to each policy to serve as a liaison between the homeowner, insurance producers, and claims adjusters.
Timeline
The new product expansion was announced on October 15, 2026.
Money Landscape
This move reflects the growing trend of specialized, non-admitted insurance products entering the California market to address the scarcity of coverage for high-value homes. It follows existing safety protocols for fire-prone regions, which are increasingly central to property underwriting.
Homeowners in high-risk zones with homes valued above $1 million should review their current safety measures to determine if they meet the Wildfire Prepared Home Plus requirements. Speak with a licensed insurance professional to evaluate how these requirements impact your eligibility and costs.
The takeaway
This new coverage provides a specific path for high-value properties in wildfire-prone areas to access insurance, provided they maintain rigorous defensible space and hardening standards. Property owners should consult their financial or insurance professional to assess if their home qualifies.
Further reading
For more information on navigating coverage options, visit the Insurance section.
Source note: This article includes information reported by Insurance Journal.
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