We specialize in solving the complex insurance needs of homeowners and small businesses in challenged markets.
SageSure offers the following products for residents across the Golden State:
Homeowners Policy (HO3)
Our HO3 homeowners policy protects your home, other structures and belongings from damages caused by an unforeseen loss. Your home and other structures are covered on an open peril* basis, subject to the exclusions listed in the policy. Your personal belongings are covered for the named perils** listed. The policy can help pay for bodily injury or property damage you are legally responsible for, such as when a guest is injured on your property, or you or a family member accidentally injures someone or damages their property.
Most homeowners insurance policies do not cover damage from floods or earthquakes. However, there may be additional coverage options available to purchase.
Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States. Failing to evacuate flooded areas or entering flood waters can lead to injury or death.
Floods may:
- Result from rain, snow, coastal storms, storm surges and overflows of dams and other water systems.
- Develop slowly or quickly. Flash floods can come with no warning.
- Cause outages, disrupt transportation, damage buildings and create landslides.
Homeowners Policy (HO5)
A critical distinction between an HO3 and HO5 policy is that while both policies provide extensive open peril* coverage for your home’s physical structure, an HO5 policy offers open peril* coverage for both your home and your belongings.
Dwelling Fire (DP3)
A DP3 dwelling fire policy is the most comprehensive policy available for rental and other non-owner-occupied homes. The DP3 provides dwelling and other structure coverage and covers the landlord’s furnishings, loss of rent, and on-premises liability.
Here are some additional lines of insurance that we service:
- 1-4 Family Homes
- Beach Homes
- High Value Homes
- Mortgage
- Rental Dwelling
- Secondary Residences
- Tiny Homes
- Vacation Homes
- Windstorm
So, contact us today at 1-888-254-0089 to find out more about home insurance in Los Angeles, California including the Los Angeles, Orange County, San Francisco, San Jose, and Sherman Oaks areas.