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.

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Jessica 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.

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Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at and a content strategist at

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Policygenius rating

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.
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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).



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 ($$$$$).


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. 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


  • 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.

  • Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.

  • 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.

  • Blanket personal property: Increases coverage limits for everything in a category of items, like jewelry, firearms, or computers.

  • Scheduled personal property: Offers higher coverage limits for specific scheduled items like silverware, jewelry, fine art, collectibles, and other priceless possessions.

  • Inflation guard: Automatically adjusts your coverage each year to compensate for increases in construction and labor costs in your area due to inflation.

  • Water backup: Coverage if water backs up through your sewer or drains, or if your sump pump stops working.

  • Equipment breakdown: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown

  • Service line: Pays to repair or replace underground pipes or wires on your property that are damaged due to a leak, break, tear, rupture, or collapse.

  • Foundation: Offers up to $25,000 in coverage for repairs to the foundation of your home.

  • 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



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


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


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)


Elevate Insurance

A+ (Superior)


Harco National Insurance

A- (Excellent)


Independent Mutual Fire Insurance Co.

B+ (Good)


Occidental Fire & Casualty Insurance Co. of North Carolina

A- (Excellent)


SafePort Insurance

A- (Excellent)


SURE Insurance 

A (Exceptional)*


TransGUARD Insurance

A- (Excellent)


Wilshire Insurance

A- (Excellent)


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*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

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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:

  • Multi-policy: If you bundle your home and auto insurance with SageSure.

  • Primetime: If you’re over the age of 50 and retired.

  • Home renovation: If you recently updated all major systems in your home, including heating, plumbing, roofing, and electrical systems.

  • Protective devices: If you have a central burglar or central fire monitoring system installed in your home.

Keep in mind that exact discounts offered will vary based on your state of residence and the SageSure partner carrier you’re placed with.

SageSure home insurance state availability

SageSure offers home insurance policies through its partner carriers in 14 states: 

Alabama, Alaska, California, Connecticut, Florida, Louisiana, Massachusetts, Mississippi, New Jersey, New York, North Carolina, South Carolina, Texas, and Virginia.

What to expect with SageSure home insurance

  • 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

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Frequently asked questions

When was SageSure founded?

SageSure was founded in 2006 to offer home insurance coverage in America’s most underserved areas.

How can I make payments to SageSure?

You can pay your SageSure home insurance bill online, by calling or visiting your agent, or by mailing a check to SageSure Insurance Managers for standard payments and BB&T for overnight payments at the addresses listed below:

  • SageSure Insurance Managers — P.O. Box 896671, Charlotte, NC 28289

  • BB&T — Attn: Lockbox #896671, 5130 Parkway Plaza Blvd., Charlotte, NC 28217

How do I report a home insurance claim with SageSure?

SageSure offers 24/7 claim support online or by calling 866-311-7243.


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 and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at and a content strategist at

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