SageSure Insurance Review 2025: Flexible Homeowners and Landlord Insurance
If you’re looking for homeowners insurance or landlord insurance with flexible, customizable options, SageSure Insurance might be the solution. In this 2025 SageSure review, we’ll explore coverage types, optional endorsements, discounts, the claims process, financial strength, and whether SageSure is the right choice for your property insurance needs.
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What Is SageSure Insurance?
SageSure is a property insurance provider that specializes in covering homes and rental properties. Unlike full-service carriers, SageSure focuses solely on homeowners insurance and dwelling fire insurance for landlords. They do not offer auto or umbrella policies, but they excel in property-specific protection.
Homeowners Insurance Coverage
SageSure provides standard homeowners insurance that protects your primary residence. This coverage includes protection against:
- Fire, wind, and hail damage
- Theft and vandalism
- Personal liability
- Loss of use (if your home becomes uninhabitable due to a covered loss)
For those looking to secure their homes in higher-risk zones, SageSure offers non-admitted insurance options that may cover properties traditional insurers won’t touch.
Landlord and Dwelling Fire Insurance
If you rent out a property, SageSure’s landlord insurance—also known as dwelling fire insurance—is tailored to protect:
- The structure of the rental property
- Landlord-specific liability risks
- Loss of rental income in certain covered scenarios
This makes SageSure a reliable choice for real estate investors and property managers looking for stable, customized coverage.
Optional Add-Ons and Endorsements
SageSure offers valuable endorsements that enhance your homeowners insurance or landlord policy:
Flood Insurance Endorsement
Add flood coverage directly to your SageSure policy (where available) for more comprehensive protection—especially useful in flood-prone areas.
Jewelry Sublimit Rider
Boost your coverage for high-value items like engagement rings, luxury watches, and heirlooms, which standard homeowners insurance may limit.
Personal Liability Coverage
SageSure policies may include up to $500,000 in personal liability protection, helping safeguard you from lawsuits or major accidents.
SageSure Discounts
SageSure offers several home insurance discounts that can help lower your premiums:
- Prime Time Discount: For customers age 50+, retired, and insuring a primary residence
- Centrally Monitored Alarm Discount: If your home has a monitored security or fire system
These options make SageSure especially appealing for retirees or homeowners with enhanced safety systems.
Understanding Admitted vs. Non-Admitted Products
SageSure offers both admitted and non-admitted insurance products:
Admitted Policies
- Regulated by the state insurance department
- Backed by the state guarantee fund
- Ideal for common coverage scenarios
Non-Admitted Policies
- Less regulated, no state-backed protection if the company fails
- Used for high-risk homes, unique features, or unusual geographic areas
- Greater flexibility, but slightly more risk
If you live in a high-risk zone (coastal areas, wildfire zones, etc.), a non-admitted policy might be your only option—and SageSure specializes in these.
Claims Process with SageSure
Filing a claim with SageSure is designed to be simple and efficient:
- Contact your independent insurance agent or SageSure directly
- A claims adjuster will inspect the damage and determine the payout
- Use SageSure’s online client portal to manage your policy and track claim status
Having a streamlined process helps make a stressful situation more manageable.
How to Pay Your Premiums
SageSure offers flexible payment options for homeowners and landlords:
- Mortgage escrow account
- Full payment upfront
- Installment plans
Accepted payment methods include checks, credit/debit cards, and electronic funds transfer (EFT).
Financial Strength and Reliability
SageSure holds an A- (Excellent) rating from AM Best, a respected insurance rating agency. This means SageSure is considered financially strong and capable of handling claims—even after regional disasters.
Is SageSure Insurance Right for You?
SageSure may be a great fit if:
- You need homeowners or landlord insurance in high-risk areas
- You want the flexibility of custom coverage
- You’re interested in non-admitted products for unique properties
- You prefer working with an independent insurance agent who can find the right match
However, SageSure may not be ideal if you’re looking for auto insurance, umbrella coverage, or one-stop-shop solutions.
Work with an Independent Insurance Agent
Choosing the right home insurance can be overwhelming. That’s why working with a licensed independent agent is one of the smartest decisions you can make. They can:
- Compare SageSure with over 200 other carriers
- Help identify coverage gaps
- Maximize your discounts
- Customize a policy that fits your life and property
Final Thoughts
SageSure Insurance offers specialized coverage for homeowners and landlords, especially those with hard-to-insure properties. Their mix of admitted and non-admitted products, customizable options, and financial stability make them a top contender in the property insurance space for 2025.
Whether you need flood endorsements, landlord protection, or a jewelry rider, SageSure’s got flexible options worth exploring. Talk to an independent agent today to see if SageSure is the right fit for your coverage needs.
