SageSure home insurance review: Ideal for coastal homeowners
Offering separate coverage for flood and wind damage, SageSure home insurance is a good option for coastal homes that need extra protection from severe weather.
By
Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Edited by
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
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Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Homeowners in coastal states often pay higher home insurance rates due to the risk of hurricanes and windstorms that can cause massive damage to homes. Founded in 2006, SageSure specializes in coverage for coastal homeowners in high-risk states who may struggle to find insurance through standard insurers. Offering separate coverage for flood and wind damage, SageSure is best suited for homes that need extra protection from severe weather.
As an insurance broker, SageSure partners with a select group of insurance carriers to offer policies that can only be purchased through local agents. This may not be ideal for homeowners who prefer to do business online. But once you’re a SageSure customer, you have the option to manage your policy and file claims online.
Insures homes in high-risk areas other insurance companies won’t touch
Specializes in coverage related to storm damage, including flood and windstorm protection
Its reinsurance policies offer customers added assurance that claims will be paid if disaster strikes
Cons
Can’t get an online quote — must reach out to a SageSure agent
Only available in 14 states throughout the South and Northeast
Basic coverages offered
SageSure home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
Depending on your state of residence and the partner carrier you’re placed with, you may be able to add these extra coverages to your SageSure homeowners insurance policy for even more protection:
Extended replacement cost for your home: Extends your dwelling coverage limit 25% or 50% in case rebuild costs exceed your policy limit after a covered loss.
Personal property covered for all risks: Increases coverage of your personal belongings against a wider range of potential perils that typically aren’t included in a standard home insurance policy.
Inflation guard: Automatically adjusts your coverage each year to compensate for increases in construction and labor costs in your area due to inflation.
Identity theft: Offers everything from assistance with your credit reports to attorney fees resulting from identity fraud to help replacing personal identification documents destroyed in a natural disaster.
Loss assessment: If you live in a condo or gated community with an HOA, this covers you for the portion of damage to common areas you’re responsible for.
Increased liability and medical payments: Offers additional personal liability and medical payments coverage for expensive medical or legal bills you’re found legally responsible for.
Windstorm coverage: Covers your home against damage caused by wind and hail — often excluded from standard policies in areas at high risk of tornadoes, tropical storms, and hurricanes.
Flood insurance: Offers flood insurance coverage through the National Flood Insurance Program (NFIP), a government program run by the Federal Emergency Management Agency (FEMA).
Dwelling fire: Fire insurance for properties that aren’t your primary residence, like second homes, vacation homes, or rental properties.
Earthquake insurance: Protects your home and personal property from earthquake damage.
Personal injury liability: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.
Mobile home insurance: Insures your manufactured or mobile home with the standard coverages listed in the above section.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Ratings methodology
Price
3.3/5
Because SageSure isn’t a direct insurance carrier, we weren’t able to score the insurer on its average cost of home insurance since rates will vary based on the partner company you’re placed with. That’s why our price rating only factors in the four discounts available when you get a quote through SageSure.
Customer experience
4.8/5
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. We calculated the average NAIC score of all of SageSure’s partner insurance companies to determine its customer experience rating. With an average NAIC score of 0.75, SageSure’s partners received fewer complaints than expected in 2021. (The expected number would be 1.0.)
Coverage options
5.0/5
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. SageSure earns a perfect score thanks to the slew of valuable coverage add-ons available through its partner carriers.
What companies does SageSure partner with for home insurance?
When you apply for a home insurance policy through SageSure, you may get connected with one of its nine partner insurance carriers for all of your coverage needs.
Here’s a look at each company’s financial strength rating with AM Best, along with its NAIC complaint index score in 2021:
Partner company
A.M. Best rating
NAIC complaint index score
Acceptance Casualty Insurance
A- (Excellent)
0
Elevate Insurance
A+ (Superior)
0
Harco National Insurance
A- (Excellent)
1.25
Independent Mutual Fire Insurance Co.
B+ (Good)
0
Occidental Fire & Casualty Insurance Co. of North Carolina
A- (Excellent)
1.2
SafePort Insurance
A- (Excellent)
2.31
SURE Insurance
A (Exceptional)*
0
TransGUARD Insurance
A- (Excellent)
0
Wilshire Insurance
A- (Excellent)
1.95
Collapse table
*Because SURE Insurance was not rated by A.M. Best, we included its rating with Demotech, another rating firm that measures the financial strength and stability of insurance carriers.
How much does SageSure home insurance cost?
It’s difficult to nail down the average cost of a home insurance policy through SageSure since your premiums will vary based on the partner insurance company you're placed with. In general, how much you pay for home insurance will depend on the following factors:
Where you live
Your home’s age, condition, and claims history
Discounts you qualify for
Your coverages and policy limits
Your credit score
Compare home insurance quotes with top insurers in minutes
What discounts does SageSure offer?
You may be able to save on the cost of home insurance with SageSure if you qualify for any of these discounts:
How to get a quote: You can get a SageSure home insurance quote by contacting an agent in your state using the Find an Agent toolon its website.
Customer service options: You can get in touch with a SageSure customer service rep by calling 800-481-0661.
How to file a claim: You can file a SageSure home insurance claim by logging in to your online account or calling 866-311-7243.
How to cancel your policy: You can cancel your SageSure home insurance policy by calling your SageSure agent (their contact info should be on your policy declarations page), by mail, or by visiting your local agent in person.
SageSure home insurance in the news
In February 2023, SageSure closed a $355 million deal to increase their reinsurance coverage to ensure they have the funds to pay out claims in the wake of a natural disaster. (Reinsurance News)
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
