Ask Sage anything about personal insurance.

What you can ask Sage AI

Sage AI is an educational guide for personal lines insurance — not a quote engine and not a sales tool. Ask it any question about your coverage, and it gives you a plain-English answer based on how personal insurance actually works. No forms, no contact information required.

Auto insurance questions

Ask about liability limits and what the three numbers mean. Ask whether to keep collision and comprehensive on an older vehicle, how to think about deductibles, what uninsured motorist coverage actually protects you from, and why your premium went up. If you drive in Massachusetts, ask about no-fault PIP, compulsory coverages, and why credit scores cannot be used to set your rate here.

Homeowners insurance questions

Ask what dwelling coverage actually pays for versus personal property coverage. Ask about loss of use, personal liability, and what "replacement cost" means compared to "actual cash value." Ask what a standard homeowners policy does not cover — flood and earthquake are the two most common surprises.

Renters insurance questions

Ask whether renters insurance is worth it. Ask what it covers if your belongings are stolen, what personal liability means for a renter, and whether your landlord's policy covers your stuff (it does not).

Condo insurance questions

Ask about the difference between your HO-6 policy and your condo association's master policy. Ask what "walls-in" coverage means, and whether you need loss assessment coverage.

Bundling questions

Ask whether bundling auto and home — or auto and renters — saves money, how much, and whether the savings depend on the carrier.

Life event questions

Ask how your insurance needs change when you buy a first home, add a teen driver, get married, have a child, move to a new state, or retire. Insurance coverage often needs adjustment at these moments and most people don't know to ask.