Personal Insurance, Made Clear
Understand the coverage. Then choose with confidence.
Sage is the independent guide to the policies that protect a household — auto, homeowners, condo, renters, and pet — including the one asleep on the couch. We explain what a policy actually pays before anyone asks you to buy it. No forms, no spam, no personal information required.
Independent · No spam, ever · No data selling
Five lines, one guide
What can Sage help you cover?
Limits, Massachusetts minimums, and the trade-offs that actually move a premium.
Auto guide →Dwelling, replacement cost, and what water damage really means.
Home guide →Where the association's master policy stops and yours starts.
Condo guide →The cheapest liability protection most people skip.
Renters guide →Reimbursement math, exclusions, and enrolling before it's too late.
Pet guide →When multi-policy actually saves — and when it doesn't.
Bundling guide →Pet Insurance · Decoded
96% of pets are uninsured. Almost none of those owners made an informed choice.
Pet is a two-billion-dollar market that grew without ever explaining itself. Policies get sold on a monthly price and judged, months later, at a claim. Sage does here what it does for auto and home: explain the mechanics first, sell nothing until you ask.
Education and the Sage AI advisor are live now, nationwide. Carrier comparison follows once we have our own bound data to publish — the same standard we hold auto to.
The three things that decide whether a pet policy was worth it
Reimbursement, not payment
You pay the vet in full, then get a percentage back after the deductible. A 90% plan on a $5,400 surgery does not mean you write a $540 check on the day.
Pre-existing is permanent
Anything in the chart before enrollment — including a limp your vet mentioned once — is excluded for life. It's the most common reason a claim is denied, and the reason enrolling early beats shopping price.
Waiting periods
Accidents typically clear in days, illnesses in a couple of weeks, orthopedic conditions can take six months. Buying coverage the week of a diagnosis does nothing.
Pick a bill you'd hate to get. See what comes back.
Annual deductible
Reimbursement rate
Carrier reimburses
$3,920
You still pay
$1,480
Meaningful help, but you still front the whole bill and wait for reimbursement. Keep the deductible somewhere your savings can absorb.
Educational illustration using typical specialty and emergency figures. Assumes the condition is covered, the waiting period has passed, and the annual limit is not reached. Exam fees are excluded by many carriers.
The questions people won't ask an agent
Why Sage
The intelligence layer the industry doesn't have.
Built for people who'd rather understand their coverage than be sold to.
Ask Sage AI
Run any scenario — vehicle, home, condo, renter, or a bundle — and get a plain-spoken explanation from an independent AI trained on the personal-insurance landscape. Education, not a recommendation.
Carrier Comparison
How carriers differ on what actually matters — coverage triggers, claims handling, and which kinds of drivers and homes each is built for. Explained plainly, without star ratings that mean nothing.
Coverage Education
Plain-English explanations of what your policy pays, what it doesn't, how much protection you actually carry, what happens if an uninsured driver hits you, and the choices that change your price.
No Spam. No Selling.
We don't sell your information. No lead arbitrage, no robocalls. Learn how the coverage works first, then connect with a licensed agent when you're ready.
Our data standard
We'd rather publish nothing than something thin.
No pet premiums here until we've bound enough of them to mean something.
That standard now applies to every line we cover. Where we don't have enough of our own experience to say something true, we say nothing — and explain the coverage instead. What we'll publish first, and are already tracking: claim approval rate, how long reimbursement actually takes, and which carriers apply which exclusions. Those decide outcomes far more than price does.
Who's behind Sage
Built by people who've spent decades inside the industry.
A father and son with 25+ years inside carrier and distribution operations, building the intelligence platform they wanted to hand customers and never had.
Marc Berry
Co-Founder · Author
In insurance since 1999 — first at the carriers, then building and selling companies in P&C distribution. He writes Sage's coverage explainers.
Read more →
Cameron Berry
Licensed P&C Agent · Product
Licensed P&C agent and the tech-forward voice of Sage. He authored Sage's existing coverage library and reviews everything we publish.
Read more →FAQ
Questions, answered straight.
How Sage works, where the data comes from, and what we will never do.
Sage is an independent personal-insurance intelligence platform — auto, homeowners, condo, and renters, plus bundling as a featured theme. We educate first; when you're ready, you talk to a licensed agent.
A quote form harvests your information so an agent can call you. Sage AI answers your actual question — coverage, carriers, trade-offs — with no PII required and no contact in your inbox.
No. We don't sell or arbitrage leads. If you want to move forward, Sage connects you with a licensed agent — that's the only handoff.
No. We don't publish carrier premium averages, bind times, or star ratings. We explain how carriers differ on coverage triggers, claims handling, and the kinds of drivers and homes each is built for — and a licensed agent handles anything price-specific.
Sage stays focused on education and carrier guidance. When you're ready to put coverage in place, Sage connects you with a licensed agent who handles the quoting and binding.
Auto liability limits: $100k bodily injury per person, $300k per accident, $100k property damage. Sage AI can break this down for your specific state and situation.
No. Sage AI is educational only — it explains the framework and trade-offs behind an insurance decision, it does not give individualized recommendations or replace licensed advice. Use it to get up to speed, then talk to a licensed agent to confirm coverage for your specific situation and to bind a policy.
No. Sage AI works with zero PII. We only collect contact information if you choose to call or contact a licensed agent.
Personal Insurance, Made Clear
Start with a question. Not a form.
Your car, your home, your dog. Ask Sage AI anything about your coverage — no contact info required. When you're ready to buy, Sage connects you with a licensed agent — no pressure, no runaround.