We've got you covered.

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

father with children smiling
1 K
$ 1 M
In Reinsurance Protection
1 %
Member Owned

Why More Than 200k Members Trust SURE

Reliable Coverage for Coastal Property

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

Rated A, Exceptional, by Demotech

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

Member-Focused by

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

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.


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.

Landlord Insurance

Protect your investment property with coverage tailored for tenant-occupied dwellings.

demotech seal with A, Exceptional, rating

Be More Than Ready.

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, business owners policies, and landlord coverage in states along the coast through a partnership with SageSure.

Your Questions Answered

Learn more about what makes us SURE.

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. 

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

Dwelling fire coverage is available in Louisiana and Texas.

Business owners policies (BOP) are available in Louisiana, South Carolina, and Texas.

Landlord insurance is available in North Carolina.

And we’re proud to offer flood insurance in Texas, too.

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

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.

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

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