--- title: "SageSure Insurance Review [Updated 2026]" description: "Sagesure is a specialty insurer focused on providing homeowners and commercial insurance in underserved coastal markets such as Florida and Texas." canonical: "https://www.coveragecat.com/reviews/sagesure-insurance-review" last-updated: "2026-08-13" --- # SageSure Insurance Review [Updated 2026] 1. [Introduction to SageSure Insurance](#introduction) 2. [What Kinds of Insurance Does SageSure Offer?](#kindsofinsurance) 3. [How Does SageSure Insurance Work?](#howdoesitwork) 4. [Pros and Cons of SageSure Insurance](#proscons) 5. [Ratings and Customer Feedback for SageSure Insurance](#ratings) 6. [Get Customer Support Or File A Claim For SageSure Insurance](#customersupport) 7. [Frequently Asked Questions](#faq) ### Introduction to SageSure ## Founded in 2009, SageSure is a technology-driven, managing general underwriter (MGU) that provides homeowner and commercial insurance in 16 underserved coastal markets susceptible to weather catastrophes such as hurricanes. It offers earthquake insurance through its [acquired MGA, GeoVera Advantage Insurance Services, LLC](https://sagesure.com/press-releases/sagesure-closes-acquisition-of-geovera-advantage/), and [flood insurance](https://sagesure.com/press-releases/sagesure-announces-innovative-private-flood-insurance-in-texas/) in some markets. As an [MGU](https://sagesure.com/insurance-insights/what-is-an-mgu/), SageSure designs, underwrites, binds, issues, and manages policies on behalf of insurers. As of early 2026, [(SageSure, "SageSure and Auros Capitalize on Robust Investor Appetite with New $175M Cat Bond", 2026)](https://sagesure.com/press-releases/sagesure-and-auros-secure-new-175m-cat-bond/) reports the company manages approximately 970,000 policyholders and $3.2 billion in in-force premium across its coastal markets, which positions it as the largest residential property MGU in the United States. The company expanded further when it completed its acquisition of Gemini Financial Holdings and Olympus subsidiaries in January 2026, adding 130,000 policies and $700 million in gross written premium in Florida's mass-affluent homeowners market. In Texas, SageSure and Goosehead created [Elevate](https://sagesure.com/press-releases/sagesure-and-goosehead-partner-to-launch-elevate-a-new-insurance-carrier-for-preferred-coastal-property-risks/), a reciprocal exchange to sell homeowners policies. In other states, however, SageSure policies are sold by a [network of underwriters and insurance agents](https://sagesure.com/insurance-partners/). Technology is integral to SageSure, which supports policy design, pricing, claims processing, and risk prevention. The company uses [Opterrix](https://sagesure.com/press-releases/opterrix-partners-with-sagesure-to-enhance-claims-handling-in-catastrophe-prone-property-markets/) weather modeling for risk analysis, [Snapsheet](https://sagesure.com/press-releases/sagesure-deploys-snapsheet-platform-to-enhance-claims-management-capabilities-and-customer-experience/) for claims appraisal and resolution, and [One Inc.'s](https://sagesure.com/press-releases/sagesure-selects-one-incs-claimspay-for-outbound-digital-claim-payments/) ClaimsPay for payments. Its [mitigation team](https://sagesure.com/insurance-insights/property-insurance-innovations-meet-the-team-transforming-protection/) researches Internet of Things (IoT) devices for early damage detection, uses drones to prevent hurricane-related roof damage, and offers policy endorsements to subsidize more fortified rebuilding after an event. SageSure was created exclusively to focus on personal and business coverage in coastal states at risk of catastrophic weather events, but their product offerings differ by [state](https://sagesure.com/homeowners-insurance/products/). For Businessowners, SageSure offers Property and Liability coverage through Business Owners Policies (BOP) in California, Florida, Louisiana, North Carolina, New York, South Carolina, Texas, and Virginia. For Homeowners in 16 states, SageSure offers homeowners, condo, earthquake, wind only, manufactured home, and landlord policies, although not every policy type is available in every state. [(SageSure, "Homeowners Insurance in Coastal States", 2025)](https://sagesure.com/homeowners-insurance/) reports coverage in 14+ states: Alabama, Alaska, California, Connecticut, Florida, Louisiana, Massachusetts, Mississippi, New Jersey, New York, North Carolina, South Carolina, Texas, and Virginia. ### What Kinds of Insurance Does SageSure Offer? ### Does SageSure Sell Auto Insurance? No, SageSure does not sell auto insurance. ### Does SageSure Sell Homeowners Insurance? Yes, SageSure offers homeowners, condo, earthquake, wind only, and dwelling fire policies. - Homeowners policies (HO-3), are the most common policy SageSure offers. HO-3 policies operate on an open-perils basis, which means events are covered unless they are specifically excluded in the policy. Typical Exclusions include earthquake, flood, and intentional damage. - In some states, SageSure also offers HO-5 Homeowners Policies which, in addition to open-peril coverage for the dwelling and additional structures, offer open-peril coverage for personal belongings. - Condo insurance, also called HO-6 policies, are offered in Louisiana, South Carolina, and Texas. - SageSure offers Wind Only coverage, which provides protection from wind, hail storms, and hurricanes, in Alabama, Mississippi, and Texas. This coverage supplements homeowners policies that specifically exclude wind coverage. - Dwelling Fire policies (DP-3) are available in select states for landlords or secondary/seasonal property owners. - In California, Oregon, and Washington, SageSure offers earthquake insurance through a partnership with [GeoVera](https://www.coveragecat.com/reviews/geovera-insurance-review). | Policy Type | Coverage Highlights | States Available | |------------|-------------------|------------------| | HO-3 Homeowners | Open-peril coverage for dwelling, structure, and liability | All 16 coastal states | | HO-5 Enhanced | Open-peril coverage including personal belongings | Select states | | HO-6 Condo | Walls-in coverage for condo owners | LA, SC, TX | | DP-3 Dwelling Fire | Landlord and secondary/seasonal property coverage | Select states | | Wind Only | Hurricane and windstorm protection | AL, MS, TX | | Earthquake | Quake-specific coverage through GeoVera | CA, OR, WA | ### Does SageSure Sell Liability Insurance? SageSure offers liability insurance within its homeowners policies. It does not offer additional personal liability coverage, often referred to as umbrella insurance. ### How Does SageSure Insurance Work? As a managing general underwriter (MGU), SageSure partners with multiple insurance carriers to provide the financial backing and regulatory structure for its policies. The company underwrites and manages policies on behalf of these carriers rather than bearing the insurance risk directly on its own balance sheet. SageSure partners with several AM Best-rated carriers, including [(SageSure, "SafePort Insurance Company Partner Page", 2025)](https://sagesure.com/insurance-partners/safeport/) SafePort Insurance Company (rated A- Excellent by AM Best) and [(SageSure, "Wilshire Insurance Company Partner Page", 2023)](https://sagesure.com/insurance-partners/wilshire/) Wilshire Insurance Company (also rated A- Excellent). In November 2025, [(SageSure, "SageSure Achieves Lloyd's Coverholder and DCA Status", 2025)](https://sagesure.com/press-releases/sagesure-achieves-lloyds-coverholder-and-dca-status/) the company achieved Lloyd's Coverholder and Delegated Claims Authority status, which allows it to underwrite policies through Trium Syndicate 1322 at Lloyd's, rated A+ Superior by AM Best. In February 2026, [(ROI-NJ, "SageSure and SURE close biggest Gateway Re issuance with $670M catastrophe bond", 2026)](https://www.roi-nj.com/2026/02/20/finance/sagesure-and-sure-close-biggest-gateway-re-issuance-to-date-with-670m-catastrophe-bond/) SageSure closed a $670 million Gateway Re Series 2026-1 catastrophe bond, its largest issuance to date and the third-largest catastrophe bond transaction in the world. The bond expanded coverage beyond named storms to include earthquakes, severe thunderstorms, winter storms, and wildfires, which provides additional reinsurance capacity across multiple perils. ## Pros and Cons of SageSure

Pros

Cons

### Ratings and Customer Feedback for SageSure Insurance SageSure operates as a managing general underwriter rather than a traditional insurance carrier, so it does not carry its own AM Best financial strength rating. Instead, the company partners with multiple carriers that maintain separate AM Best ratings, which typically range from A- (Excellent) to A+ (Superior). Customer reviews for SageSure insurance show mixed results across different platforms. [(Trustpilot, "SageSure Reviews", 2026)](https://www.trustpilot.com/review/www.sagesure.com) reports SageSure earned an Excellent rating of 4.4 out of 5 stars based on 317 customer reviews. Many positive reviews cite fast claims resolution, with one customer reporting a claim filed March 7, 2025 and resolved by April 16, 2025. However, some complaints mention refund delays and claims denials. On [(Better Business Bureau, "SageSure Insurance Managers LLC BBB Profile", 2025)](https://www.bbb.org/us/nj/jersey-city/profile/property-insurance/sagesure-insurance-managers-llc-0221-90181575), SageSure has been accredited since August 26, 2025. The company received lower review scores on this platform, with some customers reporting issues with hurricane claim handling and adjuster turnover. | Review Platform | Rating | Number of Reviews | Key Themes | |----------------|--------|-------------------|------------| | Trustpilot | 4.4/5 stars (Excellent) | 317 reviews | Fast claims resolution, some refund delays | | Better Business Bureau | Accredited since Aug 2025 | Various complaints | Mixed feedback on claims handling | | Yelp | 1.4/5 stars | 26 reviews | Lower satisfaction scores | SageSure's financial structure relies on partnerships with rated carriers and innovative capital markets solutions. The company's catastrophe bond program provides substantial reinsurance capacity, which helps ensure claims-paying ability even after major weather events. This approach allows SageSure to operate in high-risk coastal markets where traditional carriers have reduced their presence. ### Get Customer Support Or File A Claim For SageSure Insurance [(SageSure, "Claims - SageSure", 2025)](https://sagesure.com/claims/) reports claims can be submitted and tracked online by logging onto the SageSure portal at [my.sagesure.com](https://my.sagesure.com/?to=/my/claims). Claims also can be reported by phone, 24/7, at 866-311-7243. Claims adjusters are assigned directly to work with policyholders through the process. SageSure's technology platform uses Snapsheet for claims appraisal and One Inc's ClaimsPay for digital payments, which can speed resolution times. The company's claims team uses Opterrix weather modeling to analyze damage patterns in catastrophe-prone areas. ### Frequently Asked Questions **Should I Buy SageSure Insurance?** For areas in the 16 coastal states where SageSure operates and where insurance is hard to find because insurers have left the state, the company could be a good option. However, it's best to compare quotes from other insurers to decide if SageSure is best for you. Do you live in California, Florida, New York, Texas or Washington? Coverage Cat can do the research and get quotes for you. ### **Is SageSure Insurance a Real Insurance Company?** Yes, SageSure is a real insurance company operating as a managing general underwriter (MGU). As an MGU, SageSure underwrites and manages policies on behalf of partner insurance carriers rather than bearing the insurance risk directly. The company was founded in 2009 and has grown to manage approximately 970,000 policyholders and $3.2 billion in in-force premium across 16 coastal states. ### **How Does SageSure Make Money?** SageSure makes money by collecting commissions and fees as a managing general underwriter. The company earns revenue from underwriting and managing policies on behalf of partner insurance carriers. It also uses data analytics to price insurance profitably and invests premium dollars collected from policyholders. SageSure charges customers for services such as risk mitigation and maintains operational efficiency to maximize profits. The company's catastrophe bond program provides additional capital market revenue streams. ### **Is SageSure Insurance Worth the Price?** The only way to know for sure whether SageSure is right for you is to compare its quotes and coverage options with those of other insurers. SageSure insurance reviews show mixed customer experiences, with some policyholders praising fast claims resolution while others report processing delays. In markets where traditional carriers have withdrawn, SageSure may be one of few available options for coastal homeowners. [Coverage Cat](https://www.coveragecat.com/) can help you find the best possible offers, and make it easy to buy the best possible policy. ### **What is SageSure's Financial Strength Rating?** SageSure operates as an MGU and does not carry its own AM Best rating. The company partners with multiple insurance carriers that maintain separate financial strength ratings, typically ranging from A- (Excellent) to A+ (Superior) by AM Best. These carriers include SafePort Insurance Company, Wilshire Insurance Company, and Trium Syndicate 1322 at Lloyd's. SageSure's catastrophe bond program provides $3.1 billion in additional reinsurance capacity. ### **How Do I File a SageSure Insurance Claim?** You can file SageSure insurance claims 24/7 either online through the MySageSure portal at my.sagesure.com or by phone at 866-311-7243. Claims adjusters are assigned directly to your case, and you can track claim status through the online portal. The company uses technology platforms including Snapsheet and One Inc's ClaimsPay to process claims efficiently.