- About Us
- Personal Insurance
- Commercial Insurance
- Contact Us
This is a business and needs to be insured like a business
Guardian Assurance understands the market and knows what is important to you. We are specialists in property insurance including your rental dwellings. We give you the flexibility to tailor your policy to create exactly what you want.
Insurance isn’t a one-size-fits-all situation. Your policy allows you to customize to include the coverages that are right for your own situation. Our base policy covers only the home itself (and any attached structures, like a garage). You can add coverages such as:
- Loss of Rents – applies to the loss of actual rents if the dwelling is temporarily uninhabitable due to a covered loss.
- Personal Property – these are the things you may have in the home, such as appliances or furniture owned by you and used by the tenant.
- Liability – applies if a claim is made against you or a suit is brought against you for damages due to bodily injury or property damage caused by an accident on your premises.
LEVEL OF COVERAGE
We offer two types of coverage for Landlord properties. A Named Peril policy insures you for the perils that are specifically named in your policy, such as fire, lightening, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke or smudge, and vandalism and malicious mischief (if added). Comprehensive coverage is broader. It means that all perils are covered unless they’re specifically excluded in the policy.
Our base policy has an Agreed Loss settlement provision, which means that if your home is destroyed by a covered loss, you receive the full amount of Coverage A (Dwelling) insurance listed on your policy’s Declaration Page, minus any applicable deductible. You wont have to argue about what your home was worth or guess what your settlement will be. We also offer option Replacement Cost or Extended Replacement Cost.
Guardian Assurance can find you insurance for one-to-four-family homes, everything from hard-to-place up to standard and preferred. And there are no restrictions based solely on the age of the home.