SageSure Adds Olympus to California Homeowners Program
The insurance provider expanded its high-value coverage capacity for homeowners in the state.
Updated on Oct. 21, 2026 in Insurance
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SageSure has added Olympus Insurance Company as a capacity provider for its California homeowners program. The expansion allows the firm to offer open-perils coverage for residential properties with up to $20 million in total insurable value.
Why it matters
This addition enhances capacity for high-value properties in a market often constrained by wildfire risks. By integrating Olympus, SageSure broadens the availability of its specialized HO5 insurance products.
The program covers dwelling values starting at $1 million and extends up to $20 million in total insurable value. These non-admitted HO5 policies are also available in Florida, New York, and Texas.
The players
SageSure
SageSure is an insurance provider that partners with various carriers to offer homeowners coverage in multiple U.S. states.
Olympus Insurance Company
Olympus Insurance Company is an insurance carrier now providing capacity for the SageSure homeowners program.
The details
The program provides open-perils coverage, though homes located in Very High Fire Hazard Severity Zones must hold an IBHS Wildfire Prepared Home Plus designation. Qualifying properties must meet strict standards for structural hardening and defensible space, with a dedicated consultant assigned to assist throughout the policy lifecycle.
Timeline
The program expansion was announced on October 21, 2026.
Market Dynamics
The integration follows the industry trend of utilizing the IBHS Wildfire Prepared Home Plus designation as a benchmark for insurability in high-risk zones. This strategy positions the program to manage climate-related underwriting risks while maintaining coverage capacity.
High-value homeowners in California may now find broader access to coverage through the expanded program capacity. Applicants in wildfire-prone areas should prepare for compliance requirements regarding structural hardening and site maintenance.
The takeaway
Homeowners in high-risk fire zones should verify if their property meets IBHS Wildfire Prepared Home Plus standards before seeking coverage. Maintaining defensible space and structural hardening can improve eligibility for these specialized insurance products.
Further reading
Learn more about the latest industry developments at Insurance.
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Do you trust that insurance providers are adequately protecting homeowners in high-risk fire zones?
