We've got you covered.

Q: What does it mean to be a member-owned insurer?

SURE is a reciprocal exchange , which means it’s an insurance company owned by policyholders and managed by a separate entity known as the attorney-in-fact (AIF). The AIF manages day-to-day operations to benefit members.

Built for and owned by our members, SURE puts you first.

1 K

Policyholders

$ 1 M

In Reinsurance Protection

1 %

Member Owned

Why More Than 100k Members Trust SURE

Reliable Coverage for Coastal Property

SURE offers reliable coverage at a great price to protect what matters most.

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Rated A, Exceptional, by Demotech

Our Financial Stability Rating® offers peace of mind that your claims are covered.

Learn More

Member-Focused by
Design

SURE is owned by its policyholders, meaning we are built just for you.

About Us

What We Cover

Our coverage is made with your real risks in mind. Learn how we have your back during disasters big and small.

Homeowners Insurance

Get robust protection for your house and the things that make it home.

Dwelling Fire Insurance

Need flexible coverage? Get a policy that meets your needs and your budget.

Flood
Insurance

Protect your home and belongings from floods. Add flood coverage to your policy.

Business Owners Policy

Protect your business property and liability in one convenient bundle.

Be More Than Ready.
Be SURE.

Founded in 2021, SureChoice Underwriters Reciprocal Exchange (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. As a member-owned insurance company, we make every decision to benefit our members.

We specialize in coastal property protection, offering homeowners (HO3 and HO5), dwelling fire (DP3), flood coverage, and business owners policies in states along the Gulf Coast through a partnership with SageSure.

Your Questions Answered

Learn more about what makes us SURE.

What does it mean to be a member-owned insurer?

SURE is a reciprocal exchange, which means it’s an insurance company owned by policyholders and managed by a separate entity known as the attorney-in-fact (AIF). The AIF manages day-to-day operations to benefit members.

Where is SURE insurance available?

We currently offer homeowners insurance in Alabama, Florida, Louisiana, Mississippi, North Carolina, South Carolina, and Texas.

Dwelling fire coverage, flood insurance, and business owners policies are also available in Texas.

How do I get a SURE policy?

SURE policies are offered exclusively through our partner SageSure, the leading pioneer in coastal property coverage. Find a SageSure producer to get a quote.

What is SURE's rating?

The independent financial rating agency Demotech, Inc. affirmed our Financial Stability Rating® of A, Exceptional. What that means for you: it’s unbiased, third-party confirmation that we have the ability to pay claims and are committed to doing so.

How do I make a claim?

Report SURE claims to our partner SageSure, whose state-of-the-art claims team will quickly handle and process your claim. Visit MySageSure.com to get started.

Ready to
Be SURE?

Connect with our local agents to get a quote, or partner with SageSure to get exclusive access to SURE products for your clients.