SageSure Homeowners Insurance Review & Ratings (2022)

You can only buy SageSure home insurance if you live in 14 specific states, which include New Jersey, New York, Alaska, etc. SageSure was founded in 2006 and the coverages that it offers vary from state to state so you must be very careful when examining SageSure home insurance quotes.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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The Rundown

  • SageSure was founded in 2006
  • SageSure is only available in 14 states
  • You can procure a SageSure home insurance quote online

Homeowners insurance is a vitally important insurance product, but sometimes it can feel like a few industry giants have cornered that market, leaving consumers with few options; however, that is not the case.

A relatively new player in the insurance industry, SageSure insurance may be the best insurance company for you if you enjoy user-friendly websites and insurance companies that have great respect for modern technologies. Founded in 2006, this young company is rapidly growing its business in the internet age.

If you are interested in learning more about the SageSure home insurance company, you can find free SageSure reviews online and can even compare SageSure home insurance quotes online too. Keep reading to learn more about this enterprising insurance company and discover if SageSure is the right insurance company for you.

Enter your ZIP code to get free home insurance quotes and compare SageSure to the competition.

Is SageSure a highly rated company?

While SageSure is not yet accredited with the Better Business Bureau, it does have an A+ rating from that institution. It is important to note though that SageSure doesn’t have an A.M. Best rating yet either, but it has continued to remain in business for over ten years.

SageSure also prioritizes client convenience, much like GEICO and Progressive do, by making policies accessible online and allowing clients to submit claims online too. Companies like SageSure and GEICO empower you to stay in control of your policy whenever and wherever you are.

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Does SageSure do business in all 50 states?

If you live in Kansas or Oregon and wanted to buy insurance with SageSure, unfortunately, you are out of luck. You can only buy SageSure home insurance in 14 states. These states include:

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

Now, SageSure does heavily promote remote access to its insurance representatives, but you can always personally meet with SageSure insurance managers in Tallahassee, FL, or in any other city where the company has an office like in Jersey City, Chicago, or Atlanta.

How much does SageSure charge for home insurance?

How much does home insurance cost with SageSure? Unfortunately, you won’t be able to find sample SageSure home insurance rates on the company website; however, it is important to note that no two policies will share the same rate. You can find the average rates for home insurance in your state below:

Average Monthly Home Insurance Rates by State

StateAverage Monthly Home Insurance Rates
Alabama$117
Alaska$82
Arizona$70
Arkansas$118
California$89
Colorado$135
Connecticut$125
Delaware$73
District of Columbia$105
Florida$163
Georgia$109
Hawaii$95
Idaho$64
Illinois$92
Indiana$86
Iowa$82
Kansas$135
Kentucky$96
Louisiana$166
Maine$75
Maryland$89
Massachusetts$129
Michigan$82
Minnesota$117
Mississippi$132
Missouri$115
Montana$103
Nebraska$131
Nevada$65
New Hampshire$82
New Jersey$101
New Mexico$90
New York$110
North Carolina$92
North Dakota$108
Ohio$73
Oklahoma$162
Oregon$59
Pennsylvania$79
Rhode Island$136
South Carolina$107
South Dakota$107
Tennessee$103
Texas$163
Utah$61
Vermont$78
Virginia$86
Washington$73
West Virginia$81
Wisconsin$68
Wyoming$99
National Average$101
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Rates vary so much not just because of the location of your home but also because of a variety of other factors. When you fill out a quote for SageSure or any other home insurance company for that matter, you will need to provide precise and detailed information so the company can properly complete its underwriting process and give you an accurate rate.

The underwriting process is very important as it ascertains how much risk you pose to the company. When you begin shopping online for home insurance, you must be prepared to share personal details about yourself like your gender, your name, your marital status, your address, your claims history, and your credit score.

Insurance companies like SageSure use this vital information to calculate your rates.

Does SageSure offer discounts for homeowners?

If you want to procure affordable SageSure home insurance, you can do so by making use of the discounts that SageSure offers. What those discounts are exactly is unclear as SageSure advertises that it offers discounts to homeowners but doesn’t list what those discounts are on the company’s website.

You, however, use this guide as a reference when inquiring after what discount may be available at SageSure:

Common Home Insurance Discounts
New Roof
Electrical Upgrades
Fire Alarm
Home & Auto
Home & Life
Home & Umbrella
Sprinklers
Security System
Gated Community
Water Safety System
Paid in Full
Customer Loyalty
Claim Free
New Home
Fire Resistant Construction
Storm Shutters
Plumbing Upgrades
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If you want to learn more about the discounts that this company offers you can reach out directly to a SageSure insurance representative, or if you already have a policy with this company, simply use your SageSure login to access your policy remotely and review it to make sure that you are not missing on any opportunities to save some money.

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What coverages does SageSure offer homeowners?

Just as pricing will vary from state to state, the types of coverage that you can get from SageSure will differ from state to state too. For example, if you live in Alabama, you can only purchase an HO-3 homeowners insurance policy, but if you live in California, you have the option to purchase either an HO-3 or HO-5 homeowners insurance policy.

You can get extensive open peril coverage with both these policies that will cover your home’s physical structure, but the HO-5 policy provides you with this coverage for your belongings as well. No matter where you live, you should always closely examine your quotes to see what will and what won’t be covered by your insurance policy.

If you are shopping for home insurance online you should never jump the gun when you find an exciting new policy. Once you’ve found a policy that you would like to purchase, make sure that your old policy cancels on the effective date of your new policy and not before. The last thing you want to is have a lapse in coverage and be left vulnerable.

SageSure Home Insurance: What You Need to Know

This enterprising, young company is only available in a few states at present and offers different levels of coverage in those states. you shop online at any time to see how SageSure quotes compare to other companies, but you may discover that the company’s online features for its clients outmatch the competition.

That being said, you must always make sure that the coverage you are purchasing is actually adequate for your home and meets the financial constraints of your budget. Always get at leave five quotes online so you can be sure that you are making the best choice for your insurance needs.

Enter your ZIP code to get free insurance quotes and see if SageSure is the best choice for you.

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