What You Should Know

• SageSure is not available in every state
• You can obtain free SageSure quotes when you shop online
• Where you live can affect your rates and coverage options with SageSure

Your home is where you lay your head down at night and most likely stores some of your most treasured possessions. In order to protect it and the things you love, you need a homeowner’s insurance policy, and SageSure Insurance may just be the company for you if you are looking for an innovative and technology-driven company.

This is a practical guide for understanding homeowners insurance as offered by the SageSure home insurance company, and it can help you discover if SafeSure is the right choice for your coverage needs. Keep reading to learn more about this company’s insurance policies and how to get home insurance quotes from SageSure home insurance.

If you can’t wait to find out if SageSure is the right company for you, enter your ZIP code to get free quotes from insurance companies near you right away.

Who is SageSure Property Insurance?

The SageSure insurance company first opened its doors for business in 2006 and its head office is located in Jersey City, NJ.

Who owns SageSure Insurance? SageSure is owned by the Insight Catastrophe Group.

SageSure primarily works to help homeowners in coastal states protect their homes from natural disasters like floods and hurricanes. In addition to that, if you want to work with a reputable home insurance company, SageSure Insurance has an A+ rating from the Better Business Bureau as well. Still, it would be a good idea to check the BBB profile for any new SageSure Insurance complaints before purchasing a policy.

Of course, if you only want to work with the best homeowners insurance companies that have strong financial ratings, you may not want to do business with SageSure as A.M. Best has no rating for it.

But before you make any decisions, let’s take a closer look at the policies SageSure offers to keep your home protected.

SageSure's Pricing & Policies

You must be aware that you will only be able to buy home insurance from SageSure Insurance if you live in one of the states listed below:

• Alabama
• Alasaka
• California
• Connecticut
• Florida
• Louisania
• Massachusetts
• Mississippi
• New Jersey
• New York
• North Carolina
• South Carolina
• Texas
• Virginia

Now, if you do live in on the states where SageSure currently does business, you will be able to purchase a HO-3 or an HO-5 depending upon where you live.

For example, if you call Alaska, the Last Frontier, your home, you'll only be able to buy a HO-3 policy from SageSure. On the other hand, if you own a property in sunny Florida, you have the option to purchase two different policies which are a HO-3 or a HO-5. In this situation the decision would come down to your coverage needs.

Both policies would allow you to have access to extensive open peril coverage for your home. That means that the physical structure would be covered if it were to incurr any damage during a covered event, but with an HO-3 policy that's where the coverage ends. If you want to protect anything inside your home, you'll need to procure an HO-5 policy.

Unfortunately, home insurance rates from SageSure Insurance aren’t readily available online. Homeowners throughout the United States purchase $250,000 in dwelling coverage for, on average, $116 per month. This number can give you an idea of what you may pay for your homeowners insurance.

Keeping this average rate in mind can help you determine if you are actually getting a good deal when you begin shopping for insurance quotes.

How to Get a Quote on the Best Coverage for Your House & Home Value

If you want to get affordable home insurance from SageSure Insurance or any other insurance company, you'll need to know what insurance companies use to determine your rates and how to get quotes online.

The first thing you must remember is that no two homeowners will share exactly the same rate. Every insurance application is put through an insurance company's underwriting process which reveals an appropriate rate for each individual homeowner.

In order to find an accurate rate for you, you'll need to share your:

• Age
• Address
• Contact information
• Occupation

With these details, an insurance company will be able to run a soft credit check and even pull up your previous insurance history. If you have a low credit score or a long history of filing claims, your rates may be high.

An insurance company doesn't just need information about you though. You will also need to share details about your home. When you fill out a quote, you will typically be asked to disclose the number of rooms and bathrooms in the home, when the home was built, if there have been any upgrades to the interior, and if the roof had been replaced at any point in time.

While you can always work to improve your credit to lower your rates, you should also make sure that you are taking the time to check that every discount you are eligible for has been added to your policy.

The next time you request a free quote check to see if you can earn any discounts for owning a new home, having a sprinkler system, living in a gated community, or paying for your policy in full. It would also be in your best interest to set aside some time once every policy period to review your policy.

If something is out of date on your policy, it could be costing you money. For example, if your home is listed as still possessing the original roof but you had the roof replaced last year, a simple update could result in more savings for you.

Homeowners who already own a policy through SageSure can call the SageSure Insurance phone number to have an insurance representative review their policy with them so no details are overlooked.

How to Choose Between Coverages

After you've found an insurance company that you want to work with, you'll need to decide how much coverage you should purchase. Your coverage choices are very important because if you don't have enough insurance, you could be forced to pay for expensive repairs without any support from your insurance company.

So as you compare quotes online, determine how much it would cost to rebuild your home in the event of a fire or some other disaster. Simply using the purchase price of your home will not do. You should multiply your home's square footage by per-square-foot construction costs in your area to calculate a rough estimate of how much it would cost to rebuild your home.

Now if you have an older home that has delicate period features, you may need to consider purchasing a modified replacement cost policy as most standard home insurance policies will not be able to cover artistic aspects of your home like ceiling moldings or carvings.

It would also be wise for you to take inflation into account as well. Many insurance companies allow you to add an inflation guard to your policy. This guard would adjust your dwelling limit over time so current building costs would be covered by your policy.

Building costs aren't the only thing you need to take into consideration. You should conduct a thorough inventory of the items contained within your home so you can ascertain how much insurance you'll need to replace or repair family heirlooms, computer equipment, or major appliances.

Once you've taken care of that, you'll need to estimate how much Additional Living Expense (ALE) coverage you should have to properly protect your household if you couldn't live in your home after a hurricane or a fire. With ALE, you'll be able to cover the costs of a hotel and even food as you wait for your home to be repaired.

Never forget to adjust your liability coverage accordingly too. This coverage protects you from being sued if your pet caused bodily harm to someone or if you had a guest slip on your stairs and wanted you to cover the costs of their medical bills.

Typically, there is a minimum of $100,000 in coverage provided with a standard home insurance policy, but it is a good rule of thumb to carry between $300,000 - $500,000 in liability coverage.

What You Need to Know About SageSure Insurance

SageSure Insurance works to provide home insurance for individuals who live in coastal states. If you live in a landlocked state, you'll need to shop online for an insurance company that provides insurance in your area.

Before you shop online for insurance premium quotes, you should carefully review the general exterior make-up of your home, its interiors, the price of your possessions, and local building costs. This way you'll be able to receive accurate rates for the coverage that you'll need to restore your home after a disaster.

Look for SageSure Insurance reviews online. Don't forget to double-check discount opportunities so you can save money on your insurance.

If you're excited to see how much you can save with SageSure, enter your ZIP code to start comparing free insurance quotes today.