GeoVera Insurance Through an Independent Agency: Coverage and States

GeoVera coverage and states available through our agency

The table shows each GeoVera coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

How to request a GeoVera quote

• Send the request form on this page or call 888-387-3687.
• Tell us the coverage you need and the state where the property, vehicle or business is located.
• A licensed agent reviews whether GeoVera is available for your situation and what information the insurer needs.
• You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.

Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

• Ask a licensed agent. Send a request or call 888-387-3687.
• See other insurers our agency can quote for similar coverage. Kelly Klee, Neptune, Palomar Specialty.

Who GeoVera is

"GeoVera" is a marketing name for several insurance companies. After a deal announced in 2024, they sit under GeoVera Nova Holdings, Inc. That holding company was formed to combine GeoVera's insurers with SafePort Insurance Company. The carrier group is called GeoVera Nova Insurance Group.

The group is based in Fairfield, California, according to AM Best. In 2024 it also had offices in Sheboygan, Wisconsin, and Jacksonville and Tampa, Florida. SafePort is in Sarasota, Florida. John Forney stayed on as CEO after the combination.

The 2024 deal changed GeoVera's shape. Before, GeoVera owned both insurers and an MGA. Now its insurers sit in GeoVera Nova, while the MGA belongs to SageSure. GeoVera Nova works with SageSure as a carrier partner. So the company that sells and services your policy may differ from the one that issues it.

Which GeoVera company issues your policy

GeoVera's site names a different insurer for each earthquake product:

• GeoVera Insurance Company issues Single Limit EQ.
• GeoVera Specialty Insurance Company issues Quake Plus+ on a surplus lines basis. GeoVera Advantage is named as the surplus lines broker.
• Coastal Select Insurance Company issues Quake Select Flex Limit.

That page has no date. Since GeoVera Advantage was sold to SageSure, the broker arrangement may have changed. Check your declarations page for the current insurer and broker.

GeoVera's AM Best ratings

On February 19, 2025, AM Best acted on all four group insurers:

• GeoVera Insurance Co., GeoVera Specialty and Coastal Select: A (Excellent) affirmed, issuer credit rating "a," outlook stable.
• SafePort: upgraded to A (Excellent).

All four were taken off "under review" after GeoVera Nova Holdings acquired them. GeoVera's own pages also show an A rating, with no date. No Demotech rating is mentioned.

The 2024 restructuring

On April 9, 2024, GeoVera announced two deals at once. Its insurers would combine with SafePort under GeoVera Nova Holdings. And its MGA, GeoVera Advantage, would be sold to SageSure. GeoVera Nova then became a SageSure carrier partner.

Earlier investors Flexpoint Ford, New Capital Partners and AXA XL exited. Our sources don't name the new ultimate owner, and we couldn't verify it.

SageSure announced closing the GeoVera Advantage purchase on January 2, 2025. We saw only the headline. SageSure's specialty program lists the GeoVera companies as carrier partners as of October 2026.

What GeoVera sells

GeoVera's main products are residential earthquake policies in California, Oregon and Washington. It also lists Florida products: homeowners, landlord, vacant home and wind-only coverage.

You can get a quote directly online. GeoVera says online quotes are valid for 60 days. It also sells through appointed agents and wholesale brokers.

Single Limit EQ, Quake Plus+ and Quake Select Flex Limit each come from a different company in the group. Ask your agent to compare their limits and deductibles side by side.

What to check before you buy GeoVera

• The insurer. Find which of the group companies is on your policy.
• Admitted or surplus lines. Quake Plus+ is surplus lines. Know which type you're buying.
• Earthquake deductible. Check how it's figured and how much you'd pay first.
• Who services it. After the SageSure sale, ask who handles your billing and claims.
• Rebuilding cost. Make sure your dwelling limit reflects what it would cost to rebuild, not market value.
• Quote dates. Online quotes are valid for 60 days. Re-quote if yours has expired.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

Questions to ask before you buy

• Which insurer issues the policy, and is it licensed in my state?
• What are the limits and deductibles, and what’s excluded?
• Which discounts were applied, and which ones weren’t?
• How do I report a claim, and is there a 24-hour line?
• What happens if I miss a payment, and is there a grace period?
• Can I get the full quote, including all fees, in writing before I pay?

GeoVera FAQs

Your next step

Send a request and a licensed agent will check GeoVera and other options available to you.