Florida Insurance Programs

From primary and seasonal homes to rental properties, condos, and flood, SageSure offers a broad range of insurance solutions designed for Florida property owners.

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Florida Homeowners Programs for Reliable Coverage & Optionality

Protect homeowners with coverage designed for your clients’ real needs.

BACKED BY HIGHLY RATED PROVIDERS

Signature Appetite

Primary Homeowners

$4M

Max Cov A | Over $4M with underwriting referral

For primary and owner-occupied residences.
Up to 6 units eligible.
Water coverage without limitations or exclusions in most Florida counties.
Equipment breakdown and service line available.
Trust, LLC, corporation, estate, co-op, and other ownership eligible.
Unusual construction types eligible.
Properties over 10 acres eligible.

EXPANDED APPETITE

Seasonal, Secondary, Wind Only, Vacant & Tenant-Occupied/Landlord

$2.5M

Max Cov A

Roofs of any age eligible.
Up to $1M liability.¹
Not a renter’s policy.

* Not all products are related to Lloyd’s.

Florida Dwelling Programs Made for Real Life

Made to address the flexible protection needs for property owners with secondary, seasonal, rental, or vacant homes.

Backed by Highly rated carriers

Signature Appetite

Secondary & Seasonal Dwelling Fire

$4M

Max Cov A

For secondary, seasonal, owner- or tenant-occupied 1-6 unit family dwellings.
Short-term rentals eligible.
25% and 50% additional amounts of insurance options available.
Identity Theft Restoration Expense coverage where eligible.
Water backup limits up to $25,000.¹

EXPANDED APPETITE

Rental & Vacant Dwelling Fire

$2.5M

Max Cov A

Roofs of any age eligible.
Up to $1 million in liability.¹
Not a renter’s policy

Florida Condo Coverage Made Easy

The Markel condo program is designed for primary and seasonal occupancies, including short-term rentals, and offers TIV limits for high-value condos of up to $7M TIV.¹

Residential Condo

Includes flexible protection for:

Interior structure
Personal property and liability
No inspection required.

Loss of Use
Loss assessment
Wind coverage available with no DTC limitation and a minimum 2% deductible³.

SageSure Flood Marketplace

Access private flood capacity through Agent Portal, with options for standalone flood coverage alongside homeowners or dwelling quotes.

Neptune

Dwelling Limit – Building: $15,000.000.
Coverage C – Contents: $500.000.
Coverage D: Loss of Use/ALE: Up to $50,000 (temporary living or rental income).
Quote in SageSure Agent Portal, then bridge to Neptune’s platform for binding and servicing.
Neptune manages servicing, including paying producer commissions.

Vave

Dwelling Limit – Building: $900,000.
Coverage C – Contents: $600,000.
Coverage D – Loss of Use/ALE: $10,000 (14-day deductible).
Full quote-to-bind in SageSure Agent Portal.

Florida Commercial Programs Built for Growing Businesses

Offer your small and fast-growing commercial clients flexibility and convenience with a business owners policy (BOP). Combine coverage for buildings, contents, and loss of income or a monoline property-only solution.

BACKED BY HIGHLY RATED CARRIERS

BOP & Property-Only

Up to $15 million TIV per location.
8 industries and 400+ classes eligible (500+ for property-only).
Wildfire mitigation discounts.
Risks 0.05 miles or more from the coast.
Flexible monthly, quarterly, and semiannual payment options.
Available statewide.

Commercial Habitational

Reliable coverage for building structures and common areas.
TIV limits up to $50 million per location.
Available statewide.

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1. This product is offered by the insurer on a surplus lines basis. Coverage may only be obtained through a duly licensed surplus lines broker such as SageSure. Any descriptions herein are meant as summaries only, and may not include all terms, conditions, and exclusions of the policy described.  

2. Refer to underwriting manual for full guidelines.

3. Monroe County is eligible for X-wind only.