Best detailed sagesure insurance reviews with pros & cons

Having insurance for your most valuable assets is very important to make you secure in case of accidents or something. These days your home and business are the two most valuable assets for any mankind.

Your home where you live and your business gives you bread and butter for your family. And assume what if any one of them disappears for one second. Whether you will be land on the streets with your family or your entire hard work and dedication, your living medium will be gone forever.

In normal land, it is quite easy to get home and business insurance. But for the people who live in the coastal areas, it is hard to find a better policy based on your need where damage may occur without any warning from wind, or storm.

There are many insurers in the market places who provide insurance but very few or little provide competitive rates in the coastal area.

While the company called sagesure provides the most competitive rates and varieties of policies for your need in coastal areas.

In this post, we will cover every aspect of a sagesure insurance company. And we will deliver detailed sagesure insurance reviews.

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So, let’s start-

Sagesure Insurance Reviews

This post is all dedicated to Sagesure home insurance reviews. Here, we are going to cover these topics for a better sagesure insurance review.

So, keep in mind we provide you a detailed sagesure homeowners insurance reviews.

Is SageSure a good insurance company?

It is better to insure your home and business and if you live in any coastal areas then it becomes one of the essential products to have in your pocket.

Sagesure insurance company started in 2006 and till now it is focused to provide affordable homeowners insurance and business insurance with competitive rates in coastal areas.

SageSure company provides insurance partnered with highly rated carriers companies with strong financial ratings from AM Best and Demotech. Sagesure company has alliances with the following companies-

Company name	Rating	Product	Served area
Acceptance Casualty Insurance Company	A- (Excellent)	Homeowners	California, and south California
Elevate	A- (Excellent) by A.M. Best	Homeowners	coastal area
Harco National Insurance Company	A- (Excellent) by A.M. Best	Homeowners	Connecticut, North California, Massachusetts
Independent Mutual Fire Insurance Company	B++ (Good)	MHO	South California, Texas
Occidental Fire and Casualty Company of North Carolina	A- (Excellent) by A.M. Best	Homeowners	Alabama, Alaska, California, Mississippi, Louisiana, New York, New Jersey, North California, South California, Texas, and Virginia
SafePort Insurance Company	A- (Excellent) by A.M. Best	Business and homeowners	Alabama, Florida, Louisiana, Mississippi, New York, North Carolina, South Carolina, and Texas
SureChoice Underwriters Reciprocal Exchange (SURE)	Rated A, Exceptional, by Demotech	Homeowners	All 14 states
SureChoice Insurance Company	Rated A, Exceptional, by Demotech	Homeowners	New York
TransGuard Insurance Company of America	A- (Excellent) by A.M. Best	Homeowners	Massachusetts
Wilshire Insurance Company	A- (Excellent) by A.M. Best	Homeowners	Alabama, Florida, New Jersey, Louisiana, Mississippi, South California, Texas

So, looking at their partnered companies with whom sagesure works defines that all the insurance provider companies are highly financially stable, and strong.

So, choosing sagesure is worth it.

Looking at the facts, sagesure is a completely safe and good company to get your homeowner or small business insurance quotes from.

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What type of insurance SageSure insurance company offer?

Sagesure insurance company offers mainly two types of insurance. Sagesure serves homeowner’s insurance and small business insurance in the states of united states.

For homeowners, they provide mainly five types of insurance policy and for small business insurance, they cover offices, retail, wholesale, restaurants, servicing and processing units, habitational and real estate.

What are the homeowner policies available on SageSure for homeowners?

Sagesure provides home and small business insurance in the united states in coastal areas.

Sagesure is a specialist in providing insurance in underserved and unpredictable areas like the coastal area. Here, are the available policy for homeowners on sagesure insurance-

Homeowners policy (HO-3)

This homeowners insurance policy protects from any damage caused by an unforeseen loss. HO-3 covers your homes, structure, and belongings.

This policy pays for bodily injury and property damage. There is also some additional coverage available also.

But the actual cover will be determined at your location. This policy is public in the following states-

Homeowners policy (HO-5)

This homeowners insurance policy provides coverage with open peril for your home and physical structure like the HO-3 policy.

But the difference between HO-3 and HO-5 is based on open peril and named peril. This policy is served in the following states-

Dwelling fire (DP-3) insurance

A dwelling fire policy is a comprehensive policy for rental and non-owner-occupied homes.

This policy provides coverage for the dwelling and other structures and covers the landlord’s, furnishing, loss of rent, and on-premises liability. This serves the following states-

Manufactured home insurance (MHO)

This policy covers your manufactured homes and belongings on an actual cash value base. Here, they first estimate the actual price of your property and at the time of stolen or damage to your property, you will get paid based on your insurance limits.

This policy also provides liability coverage which protects you from any accidental injury to someone or damages to their property. This policy is only served in south California and texas as of now.

Condo insurance (HO-6)

The policy provides coverage for your home appliances, fixing them, or any alteration made by you within the interior structure as a part of the condo unit which you own or are responsible for.

This policy provides liability coverage and coverages for loss assessment. Loss assessment means a commonly owned property owned by any association like clubhouses or swimming pools, or community halls.

As of now, sagesure provides condo insurance policies (HO-6) only in southern California.

Homeowner Wind-only insurance policy-

This policy provides coverage against damages that happens due to wind and storm, and hurricanes.

This policy is the best fit for those areas where the chance of intense storms and high-speed winds is intense. This policy is available only in North California and Alabama.

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What does SageSure small business insurance cover?

Sagesure also provides property and liability protection for small business owners in some states.

Sagesure underwrites small business insurance with the safe port insurance company which has scored A- (Excellent) by AM Best, and SureChoice Reciprocal Exchange (SURE), rated A, Exceptional, by Demotech.

These companies help you to provide stable and affordable coverage. SageSure insurance company offers very competitive business owner’s policies in coastal areas with flexible payment options.

Sagesure provides small business insurance in coastal areas within 1/2 of a mile from a primary shoreline.

Sagesure has semi-annual, quarterly, and monthly installment payment plans. They also give you a discount to make full payment at once.

Sagesure provides business insurance for Office, Wholesale, Retail, Restaurants, Service & Processing, Habitational & Real Estate businesses.

You can also check what they cover in the small business insurance category.

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Where is SageSure insurance available?

Sagesure provides homeowner insurance and small business owner insurance. This company was started in 2006 and operating for more than one and a half decades.

But still, they are not available in the whole united states of America. Their presence is quite limited to 14 states only.

Here, is a list of the states where sagesure homeowner insurance is available.

And here, is a list of where sagesure business insurance is available-

How to file a claim with SageSure?

On sagesure filling, your claims are very simple and take only around 10 minutes to submit your claim online.

But remember you must report your loss, or damage as quickly as possible. There are two ways available to file your claim on sagesure.

Submit your claim online

First, you need to visit the sagesure claim page. And it will open a window like this-

Here you need to click on submit a new claim.

This will open another window where you will be asked to login into your sage sure account.

Submit your claim on a call-

Apart from that, you can also file your claim at (866) 311-7243 on a call. In this claims process, the sagesure assistant will help you to file your claim.

After reviewing your occurred damage your assigned adjuster will evaluate the amount of loss. And for that, your adjuster may ask for any documentation and may conduct an inspection to verify your claim.

Once, your claim is evaluated your adjuster will discuss your damages and policy coverages. After that, you will get your insurance amount based on your policy limits.

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What discounts does SageSure offer?

Sagesure insurance company offers many kinds of discounts like most insurance companies do. If you qualify for them you will get another discount on your insured policy premiums. Here are some of the reasons listed to get a discount on sagesure insurance-

But to get a new home renovation you need to qualify following conditions:

• All four systems ( heating, plumbing, roofing, and electrical systems)must be renovated, and work must be completed by a state-licensed contractor.
• All contractor work orders must be provided to underwriting, along with an affidavit signed by a state-licensed contractor.
• The property must pass an inspection by the local authority.

What are the pros and cons of sagesure home insurance?

Sagesure home insurance company mostly focused on and serves underserved areas like coastal areas in the united states. As we know there are many insurers in the marketplace right now.

So, being a customer it is hard to choose any one of the companies as your insurer. But looking at the what are the pros and cons of that company you may decide easily which one to choose for your home insurance.

Here is a list of pros and cons of sagesure home insurance company –

Apart from that sagesure home insurance company has mixed customer reviews.

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How to get insurance quotes from sagesure company?

As we know sagesure provides homeowners and small business insurance in 14 different states. And being a homeowner or small business owner if you want to get quotes from sagesure then you need to find a sage sure insurance agent.

And to find a sagesure agent you can use their agent locator page. Sagesure only provides insurance with their agents only.

Apart from that, you can either call (877) 304-4785 ( Monday-Friday: 8 a.m. to 9 p.m. ET; Saturday: 10 a.m. to 3 p.m. ET ) or email PolicyServices@SageSure.com.

SageSure Customer Service, ratings, and reviews

There are many third-party rating companies that describe an insurance company’s financial stability like AM Best and better business bureau.

Almost every company has a rating but, SageSure doesn’t have a rating from A.M. Best, and sagesure is not a Better Business Bureau accelerated company.

But, sagesure has an A+ rating from the BBB. Also, there are very few sagesure insurance complaints online.

But sagesure customer service is good. As you call them or email them then they allocate you a personal advisor to solve your queries.

You can get connected to sagesure phone number at (800) 481-0661 Monday-Friday from 8 a.m. to 9 p.m. ET and Saturday from 10 a.m. to 3 p.m. ET.

SageSure: The bottom line

Unlike other insurance companies, sagesure doesn’t have ratings from third-party rating agencies. But sagesure provides very comparative rates for sagesure home insurance and business insurance in coastal areas.

Their customer service is excellent. Sagesure works with financial stables companies from AM Best to underwrite insurance policies. If you live in coastal areas then you must check out sagesure for better home insurance quotes.