SURE Now Provides E&S Homeowners Insurance in Florida

SURE announced it now writes excess and surplus lines property insurance in Florida.

Source: SURE | Published on December 6, 2022

Sure Home Insurance FL

SURE, the member-owned insurance company for reliable coastal property protection, today announced it now writes excess and surplus lines property insurance in Florida. In partnership with SageSure, a leading provider of catastrophe-exposed property insurance, SURE brings much-needed underwriting capacity to producers in the state to better serve Florida homeowners.

In 2022, six property insurance carriers in Florida have declared insolvency. Many others have chosen to suspend business or leave the state altogether.

“Florida is facing unique challenges in addition to being one of the most catastrophe-exposed areas in the country,” said Ed Konar, President of SURE. “We’re proud to continue our mission to serve producers and homeowners in states where our solutions are needed most.”

While this marks SURE’s first program in Florida, the policyholder-owned reciprocal has more than 120,000 policyholders across North Carolina, South Carolina, Alabama, Mississippi, Louisiana, and Texas. SURE partners with SageSure as its surplus lines agent, and its products are available through SageSure’s network of insurance producers and national brokers in coastal states.

“Our role is to serve producers and to help them bring more solutions to their customers,” said Jon Gingrich, Senior Vice President of Sales at SageSure. “We are excited to partner with SURE to help producers say ‘yes’ to more risks that would otherwise not find coverage in the admitted market while providing the unrivaled service that makes placing complex business easy.”

About SURE

SURE is the member-owned insurance company for reliable coastal property protection. Founded in 2021, SURE is managed by a team of experienced and passionate insurance leaders who believe in building a safer world, one coastal property at a time. With more than 120,000 policyholders and more than $290 million in force premium to date, SURE has grown rapidly to meet the needs of challenging markets while prudently managing exposure. As the first Texas-domiciled reciprocal since 2004, SURE is customer-focused by design and offers homeowners, dwelling fire, flood, and commercial coverage through an exclusive partnership with SageSure. SURE is rated A, Exceptional, by Demotech, Inc. and is currently available in Alabama, Louisiana, Mississippi, South Carolina, and Texas. To learn more, visit

About SageSure

SageSure is the managing general underwriter specializing in coastal residential and commercial property insurance. SageSure offers more than 50 competitively priced insurance products in 14 coastal states on behalf of its carrier partners, serves more than 400,000 policyholders, and has more than $900 million of in force premium. Since its launch in 2009, SageSure has been pioneering property insurance through its market-leading online quoting and binding platform and its sophisticated risk modeling and scoring technology. For more information, visit