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Our coverage is made with your real risks in mind. Learn how we have your back during disasters big and small.
Get robust protection for your house and the things that make it home.
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.
Protect your business property and liability in one convenient bundle.
Protect your investment property with coverage tailored for tenant-occupied dwellings.
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.
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 California, 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.
Connect with our local agents to get a quote, or partner with SageSure to get exclusive access to SURE products for your clients.