- About Us
- Personal Insurance
- Commercial Insurance
- Contact Us
Protect your ORV by allowing choosing options that best fit your lifestyle
There are several ways you can save money. Here are just a few of the discounts available:
Paid In Full
Loyalty (Claim-Free Renewal)
Guardian Assurance understands how important your adventures are to you. That’s why our coverages are customized with you in mind and our claims are handled by a best-in-class claims staff. We know off-road vehicles and the people who ride them, because you and your adventures deserve it.
PACKAGES MADE WITH YOU IN MIND
We have packages to help you protect your ORV by allowing you to choose which package and options best fit your lifestyle:
SAVER Provides basic protection at an affordable cost. Includes $500 Optional Equipment for quads, snowmobiles and off-road motorcycles, and $1,500 of Helmet and Safety Apparel.
ELITE Offers the most coverage and protection. We’ve taken the Plus Package and added Diminishing Deductible, Enhanced Rental, $2,000 Personal Effects at Replacement Cost, $3,500 Optional Equipment at Replacement Cost, two years of Replacement cost Total Loss Settlement for snowmobiles, quads and off-road motorcycles, $2,500 Helmet an Safety Apparel and more!
We also have customized options for side-by-sides, golf carts and dune buggy, or liability only coverage.
Standard coverages that come with a Plus package include:
We include $500 WITH Collision and/or Other than Collision coverage for snowmobiles, all-terrain vehicles and off-road motorcycles. Perfect for expensive add-ons like skid plates, winches, storage covers or other customization.
Helmet and Safety Apparel
$1,500 in Collision Coverage – a great benefit if your helmet or apparel gets damaged in a covered collision loss.
We provide primary (first party) coverage if you choose to add this option.
We offer this optional coverage for injuries resulting from an uninsured motorist.
We offer more coverage for those who want it, including:
Uninsured Motorists (not available in all states)