SageSure: Coastal Property Overview

Who is SageSure?

SageSure Insurance Managers, LLC is a managing general underwriter founded in 2009 and headquartered in Jersey City, New Jersey. It provides home, flood, and commercial property coverage on behalf of carrier partners, with a focus on coastal and other catastrophe-exposed markets, and distributes those programs through independent agents and other partners.

SageSure designs and administers property insurance for places where wind, water, and other catastrophe risk make standard homeowners markets thin. It operates as a managing general underwriter: the coverage is issued on behalf of its carrier partners, and SageSure handles underwriting and program administration.

The company works through a network of distribution partners, including independent agents. A SageSure quote is still subject to the partner carrier’s guidelines, the property’s characteristics, and the state where the home is located.

Key facts

• Founded in 2009 to serve homeowners in markets strained by hurricane losses
• Managing general underwriter, writing on behalf of carrier partners
• Corporate headquarters at 101 Hudson Street, Suite 2700, Jersey City, New Jersey
• Product focus includes home, flood, and commercial property coverage
• Built for catastrophe-exposed, including coastal, property risks
• Distributed through independent agents and other distribution partners

History

SageSure was founded in 2009, after a run of record-breaking hurricanes left many coastal homeowners with fewer insurance options. The company was built to stay in those challenged markets with differentiated property products.

It has since grown into a large residential property managing general underwriter. SageSure’s current about page describes service in 16 coastal states, with home, flood, and commercial coverage placed on behalf of carrier partners.

Products SageSure offers

SageSure’s public materials center on property coverage for homeowners and small businesses in difficult markets:

• Homeowners insurance for catastrophe-exposed properties
• Flood coverage offered alongside property programs
• Commercial property coverage for small businesses
• Programs administered for carrier partners, not as a single household auto carrier

Who SageSure serves

SageSure serves homeowners and small-business property owners in coastal and other catastrophe-exposed markets, placed through independent agents and larger distributors.

Homes outside those programs, or risks the partner carriers decline, are quoted with other property markets.

Coverage focus with Epic and Easy

We look at SageSure when a property needs:

• Homeowners coverage in a wind- or catastrophe-exposed location
• A property market built for coastal underwriting, when the home qualifies
• Flood coverage considered together with the homeowners placement
• A comparison against other home and specialty property carriers we represent

Who it’s for in Virginia

SageSure can be part of the conversation for Virginia homes where wind, coastal exposure, or a hard property market is the issue, when we are appointed for that risk.

A standard Roanoke-area homeowners quote often starts with other carriers we represent. We bring SageSure in when the property and the program line up.

How Epic and Easy helps

We collect the address, construction, roof, occupancy, and update details, then check SageSure alongside the other property markets we can access.

We explain how a managing general underwriter differs from a carrier that writes the policy on its own paper, and we confirm eligibility before anyone treats a quote as an offer of coverage.