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Started By
Message
Homeowner Insurance question
Posted on 6/12/23 at 3:09 pm
Posted on 6/12/23 at 3:09 pm
We're working on quote for our homeowner insurance.
We've gotten quotes that both have the Agent of Record as SAGESURE Insurance Managers BUT the actual insurers are different: Elevate is one insurer and Surechoice underwriters reciprocal exchange (SURE) is the other.
The agent explained it as both insurers are the same company and they just have different books of record. Both are A rated.
Does that sound like I'm understand it correctly? We've considered just self insuring but if we are still getting quotes.
We've gotten quotes that both have the Agent of Record as SAGESURE Insurance Managers BUT the actual insurers are different: Elevate is one insurer and Surechoice underwriters reciprocal exchange (SURE) is the other.
The agent explained it as both insurers are the same company and they just have different books of record. Both are A rated.
Does that sound like I'm understand it correctly? We've considered just self insuring but if we are still getting quotes.
5
Posted on 6/12/23 at 3:26 pm to tiger91
Neither is worth the paper it’s written on.
Posted on 6/12/23 at 3:36 pm to L5ut1g3r
Insurance in general or with these two specifically?
Our only other options are LaCitizens for $7750 for wind/hail OR self insure, which may be what we should do.
Our only other options are LaCitizens for $7750 for wind/hail OR self insure, which may be what we should do.
Posted on 6/12/23 at 3:44 pm to tiger91
That’s who I have, they are excellent.
Posted on 6/12/23 at 4:06 pm to Jimbowie397
Which one Jim? Sure or Elevate as the insurer? Thanks.
Posted on 6/12/23 at 4:56 pm to tiger91
I was near Palmetto yesterday
My wallet hurt thinking about the insurance costs for some of those houses
My wallet hurt thinking about the insurance costs for some of those houses
Posted on 6/12/23 at 5:01 pm to VermilionTiger
Well we're split Citizen's for wind/hail; FB for fire theft. New premiums total ~$8300 for the year. Yeah it sucks.
These other two companies are almost half of that BUT it sounds too good to be true BUT Citizens' HAS to be more and it alone is ~7500 for wind/hail.
I guess if either company sucks, it can't suck as bad as paying what the new premium is.
These other two companies are almost half of that BUT it sounds too good to be true BUT Citizens' HAS to be more and it alone is ~7500 for wind/hail.
I guess if either company sucks, it can't suck as bad as paying what the new premium is.
Posted on 6/12/23 at 6:55 pm to tiger91
The agent doesn’t know what he’s talking about.
SURE is a reciprocal exchange.
Read more here:
LINK
SURE was recently created as a more flexible carrier for coastal markets. They’re buying up areas right now, and I’m glad to have them in my carrier portfolio.
Edit: appears I don’t know what I’m talking about. Elevate is a reciprocal exchange offered exclusively through Goosehead agencies. Six one/half dozen in the other.
SURE is a reciprocal exchange.
Read more here:
LINK
SURE was recently created as a more flexible carrier for coastal markets. They’re buying up areas right now, and I’m glad to have them in my carrier portfolio.
Edit: appears I don’t know what I’m talking about. Elevate is a reciprocal exchange offered exclusively through Goosehead agencies. Six one/half dozen in the other.
This post was edited on 6/12/23 at 7:22 pm
Posted on 6/12/23 at 8:11 pm to BamaCoaster
Demotech toilet paper. Sage closes one paper and switches out to another trash paper and keeps charging fees and making bank on servicing and sucking goose head cock while shitting in the local agents that have supported them for 15 years. fricking bitches
Posted on 6/12/23 at 8:47 pm to Chad504boy
So I’m not being ugly but how does this affect me? I need decent coverage at a decent price. Ie better than la citizens.
Posted on 6/12/23 at 8:48 pm to BamaCoaster
quote:a
t know what I’m talking about. Elevate is a reciprocal exchange offered exclusively through Goosehead agencies.
Yes I had forgotten that part .. he did tell me that. Should that cause any concern for the policy holder? Red flag?
Posted on 6/12/23 at 8:52 pm to tiger91
It’s trash paper that will fold at next storm too. I’m not judging your lack of options. Reciprocal exchange, Unchartered waters a bit.
This post was edited on 6/12/23 at 9:17 pm
Posted on 6/12/23 at 9:17 pm to Chad504boy
Are you an agent? I know there are some here and I can’t keep track of who is who.
What would you do? Citizens for $7500 (add fire/theft with FB for $750 so $8500 total or so) or what is more and seems seems like much better coverage with these people?
We’re tempted to self insure but I admit it’s scary.
What would you do? Citizens for $7500 (add fire/theft with FB for $750 so $8500 total or so) or what is more and seems seems like much better coverage with these people?
We’re tempted to self insure but I admit it’s scary.
Posted on 6/12/23 at 9:26 pm to tiger91
What’s the cost of sure policy? 3% deductible w sure choice?
Posted on 6/12/23 at 9:50 pm to Chad504boy
2% .. $7500 or so for wind/hail and $2500 for other.
It’s a crap shoot either way and I detest giving my money to citizens for a worse policy coverage wise.
It’s a crap shoot either way and I detest giving my money to citizens for a worse policy coverage wise.
Posted on 6/12/23 at 9:52 pm to Chad504boy
quote:
Chad504boy
Tell us how you really feel…haha.
I have an agency in Gulf Shores, and we’re working on a “coastal” rater, that will have:
ASI
Swyfft
Sagesure
Orion
Orchid
Openly
SSIU
Etc
On them. Will cut shopping times by more than 300%. Holler if interested.
Posted on 6/12/23 at 10:09 pm to BamaCoaster
Dude hardly any of those are writing here in s la. Progressive is never coming back in LA w wind. I could holla at you at some point. Theoretically, I’d love to get the hell out of La.
Posted on 6/12/23 at 10:11 pm to BamaCoaster
So can you tell me if the insurance manager is the same, if the actual name of the insurer matters?
This is Elevate through goose head which only they can write for as stated above.
This is Elevate through goose head which only they can write for as stated above.
Posted on 6/12/23 at 10:23 pm to tiger91
frick goose head. Franchising prostitutes. Infiltrating possums.
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