South Carolina Coastal Homeowners Insurance

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SageSure proudly serves as the Program Manager and Servicing Agent for many highly rated insurance carriers. We’re pleased to offer Homeowners, Condo-owners and Dwelling Fire coverage to the Palmetto State.


Dwelling Fire – DP-3

Admitted Dwelling Fire coverage is available statewide on behalf of Occidental Fire and Casualty Company of North Carolina. A.M. Best’s Financial Strength Rating for Occidental is A-, Excellent.


HOMEOWNERS – HO-3, HO-6

SageSure offers admitted Homeowners coverage in South Carolina on behalf of Occidental Fire and Casualty Company of North Carolina. A.M. Best’s Financial Strength Rating for Occidental is A-, Excellent.


HOMEOWNERS – HO-3, HO-5

SageSure offers admitted Homeowners coverage in South Carolina on behalf of Federated National Insurance Company. Demotech’s Financial Stability Rating for Federated National is A (Exceptional).


HOMEOWNERS – HO-3

SageSure offers admitted Homeowners coverage in South Carolina on behalf of Service Insurance Company. A.M. Best’s Financial Stability Rating for Service is A-, Excellent.


HOMEOWNERS – MHO

SageSure offers Manufactured Homeowners coverage on behalf of Independent Mutual Fire Insurance Company. A.M. Best’s Financial Stability Rating for IMF is A-, Excellent.


HOMEOWNERS – HO-3

SageSure offers Surplus Lines Homeowners coverage* available on resort islands including Sullivan’s Island, Isle of Palms, Folly Beach, Kiawah Island, Seabrook Island, Edisto Beach and Hilton Head Island.

Visit our Agent Portal for product documents.

*Insurance policies may be offered on an Admitted or Surplus Lines basis. Surplus lines coverage may only be obtained through duly licensed surplus lines brokers. Any descriptions herein are meant as summaries only, and may not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Issuance of coverage is subject to underwriting. The scenarios summarized above are offered only as examples. Coverage depends upon the actual facts of each case and the terms, conditions and exclusions of each individual policy. Not all insurance coverages or products available in all states. Policy terms may vary based upon individual state requirements and may not be available in all states.


For more information about our products, please contact:

Dan Spano

Dan Spano

Field Sales Representative

(803) 410-8082 Email Dan