InsuranceComplaintCheck

Sure Insurance — Insurance Complaint Report

Sure Insurance: High Complaint Ratio with Regional and Product-Specific Issues

Key Metrics

  • Total Complaints: 90
  • NAIC Complaint Ratio: 1.28
  • Market Share: 0.1%
  • AI Risk Score: 75/100
  • Most Recent Complaint: 2025-06-23

AI Insurer Analysis

Sure Insurance has accumulated 90 insurance complaints on record. Their NAIC complaint ratio of 1.28 is above average, meaning they receive more complaints than expected for an insurer of their market size. With approximately 0.1% market share, Sure Insurance is a smaller player in the insurance market. The most common complaint categories are: renters (20). High complaint ratio with a significant number of delayed payment and coverage dispute complaints. Recent complaints indicate ongoing issues, with no improvement since the last update. Complaints are concentrated in specific states and coverage types, suggesting regional or product-specific issues. Trend analysis shows a consistent high complaint ratio with no improvement over time. Areas of concern include: High complaint ratio and recent complaints indicate poor customer service.; Delayed payment and coverage dispute complaints are frequent.. On the positive side: Complaints are concentrated in specific states and coverage types, which could be addressed with targeted improvements..

Risk Breakdown

  • regulatoryActions: none
  • complaintRatio: high
  • claimDenialRate: high
  • responseTime: fair

Red Flags

  • High complaint ratio and recent complaints indicate poor customer service.
  • Delayed payment and coverage dispute complaints are frequent.

Green Flags

  • Complaints are concentrated in specific states and coverage types, which could be addressed with targeted improvements.

Consumer Tips

When dealing with Sure Insurance, keep these practical tips in mind: 1. Check your policy details and ensure you understand coverage limits and payment terms. 2. Be proactive and communicate any issues promptly to the insurer. Before purchasing a policy, compare Sure Insurance's complaint ratio (1.28, above average) with competitors offering similar coverage. Always read the full policy document, paying attention to exclusions and limitations. Document all communications with the insurer in writing. If you experience a dispute, file a complaint with your state Department of Insurance — it is free and often results in faster resolution.

Trend Analysis

Trend analysis shows a consistent high complaint ratio with no improvement over time.

Frequently Asked Questions about Sure Insurance

Is Sure Insurance a good insurance company?

Sure Insurance has 90 complaints on record. Their NAIC complaint ratio is 1.28, which is above average. They hold approximately 0.1% market share. A complaint ratio below 1.00 indicates fewer complaints than expected for a company of this size; above 1.00 indicates more.

What are the most common complaints about Sure Insurance?

The most common complaint categories for Sure Insurance are: renters (20). The leading specific issues are: Delayed payment (8), Coverage dispute (6), Claim denial (4).

How does Sure Insurance compare to competitors?

Sure Insurance's NAIC complaint ratio of 1.28 is above average. Companies with ratios below 1.00 receive fewer complaints relative to their size. When comparing insurers, also consider financial strength ratings, coverage options, and premium pricing alongside complaint data.

Should I file a DOI complaint against Sure Insurance?

If you have an unresolved dispute with Sure Insurance, filing a complaint with your state Department of Insurance (DOI) is a free and effective option. Steps: (1) Gather all documentation including your policy, correspondence, and claim records. (2) Contact your state DOI — most Sure Insurance complaints come from Connecticut. (3) File online or by mail. (4) The DOI typically responds within 30-45 days.

Are Sure Insurance complaints getting better or worse?

Sure Insurance has 90 total complaints. In the most recent data, 20 complaints were recorded across 1 coverage categories. Check the NAIC Consumer Information Source for the most current complaint ratio trends.

What insurance companies have the lowest complaint ratios?

Insurance companies with the lowest complaint ratios typically include mutual insurers and member-owned companies. To find alternatives to Sure Insurance, compare NAIC complaint ratios for companies offering the same coverage types (renters, etc.). Your state DOI website provides complaint data specific to companies licensed in your state.

Has Sure Insurance been fined or sanctioned by insurance regulators?

Regulatory action information is available through your state Department of Insurance and the NAIC. Sure Insurance has 90 consumer complaints on record with a complaint ratio of 1.28. For specific regulatory actions, check the NAIC Regulatory Actions database and your state DOI enforcement records.

Which states have the most complaints against Sure Insurance?

The states with the most complaints against Sure Insurance are: Connecticut (2), New Hampshire (2), Indiana (1), Idaho (1), South Dakota (1). This distribution may reflect the company's market presence in those states rather than indicating worse service in specific locations.

What patterns emerge from Sure Insurance's complaint data?

Delayed payment complaints are the most frequent, indicating potential issues with billing or payment processing.

How does Sure Insurance handle claims compared to peers?

Coverage disputes are a significant issue, suggesting problems with policy clarity or claims handling.

What is the complaint trend for Sure Insurance?

Trend analysis shows a consistent high complaint ratio with no improvement over time.

Recent Complaints Against Sure Insurance

Sure Insurance Complaints by State

Sure Insurance Complaints by Coverage Type

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This analysis is based on NAIC complaint data and AI interpretation. Not legal, financial, or insurance advice.