SageSure Insurance Managers
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
SageSure’s currently published producer-facing guidance is organized by state rather than a single detailed national appetite guide. Official agent materials position SageSure as a residential property-focused MGU serving catastrophe-exposed and underserved coastal markets, with products delivered through admitted and non-admitted carrier partners. Preferred business is homeowners and related residential property in catastrophe-prone states, especially primary and owner-occupied risks under SageSure Signature products, with additional options for harder-to-place business through Expanded Markets. Expanded Markets is specifically described as a path for risks outside traditional Signature appetite, including homes with prior loss history or older roofs, and includes non-admitted HO3/DP3 and manufactured home options depending on state and carrier. Geographic notes: SageSure states it serves coastal/underserved markets and its products-by-state page currently shows availability across multiple states including Alabama, Alaska, California, Connecticut, Florida, Louisiana, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Oregon, South Carolina, Texas, Virginia, and Washington; exact offerings vary by state. Published Florida residential examples show primary/owner-occupied homeowners, front- or first-row dwellings, statewide availability including coastal/high-demand counties, and dwelling fire solutions for seasonal, secondary, owner- or tenant-occupied 1–4 family dwellings; specialty residential options shown there include vacant home, wind-only, and landlord forms. Submission/placement notes: quoting, binding, document storage, underwriting prompts, loss history retrieval, insurance scores, replacement cost estimator, direct underwriting access, and automatic inspections are handled through the SageSure Agent Portal. Expanded Markets options are said to appear automatically in the portal for eligible producer partners. Broker/producer instructions: SageSure requires producer enrollment for access; a sales manager follows up after enrollment; wholesale brokers are explicitly stated as ineligible for the program on the enrollment page. Current public pages do not provide a comprehensive published national declined-class list, but they do indicate that harder-to-place risks may fall to Expanded Markets rather than Signature, that surplus-lines products may require placement through a duly licensed surplus lines broker, and that all coverage remains subject to underwriting approval, state availability, and carrier-specific terms.