The amount of coverage you need depends on several factors:
It's important to have enough coverage to rebuild your home, replace your belongings, and protect your assets in case of a lawsuit. Don't base your coverage on your home's market value or mortgage amount, as these may not accurately reflect rebuilding costs
A standard homeowners insurance policy typically includes:
However, standard policies often exclude coverage for floods, earthquakes, and certain other events.
There are several ways to potentially lower your home insurance premiums:
Remember that while a higher deductible can lower your premium, make sure you can afford to pay it if you need to file a claim.
Depending on your situation, you might want to consider:
Your insurance agent can help you determine which additional coverages might be appropriate for your specific needs.
You can buy car insurance through several channels:
The best option is often to compare quotes from multiple sources to find the most competitive rates and coverage for your needs.
The cost of car insurance varies widely based on numerous factors, including:
On average, full coverage car insurance costs around $1,700 per year, but rates can vary significantly based on individual circumstances
At a minimum, you should purchase your state's required liability coverage. Beyond that, consider:
If you have a car loan or lease, you'll likely be required to carry full coverage (liability, collision, and comprehensive). Evaluate your assets and risk tolerance to determine appropriate coverage levels.
Most insurance companies offer various discounts to help reduce premiums. Common discounts include:
Always ask your insurance provider about available discounts to ensure you're getting the best possible rate.
A utility line warranty provides coverage for the repair or replacement of your home’s exterior water and sewer lines in the event of damage. This includes issues like leaks, breaks, and blockages that can occur due to various factors such as tree roots, aging infrastructure, and weather conditions. Guardian Service’s warranties offer peace of mind by covering unexpected repair costs, ensuring you're protected from the financial burden of these often unforeseen events.
Your homeowners insurance typically doesn’t cover repairs to utility lines like water and sewer lines on your property. These repairs are also not usually covered by your local municipality. However, you can consider a utility line warranty to protect against unexpected repair costs for these systems.
Service lines can deteriorate over time due to various factors, such as aging, tree root intrusion, or ground shifting. This can lead to costly repairs that are not covered by basic homeowner's insurance. A utility line warranty provides financial protection against these unexpected expenses.
A utility line warranty is a valuable investment for homeowners, as it covers unexpected and costly repairs that are typically not included in standard homeowners insurance. Factors like aging infrastructure, weather conditions, and everyday wear and tear can cause issues with water and sewer lines to arise without warning. For a low monthly cost, you can safeguard your home and budget against these potential issues without breaking the bank.
A utility line warranty specifically covers the repair and replacement of exterior water and sewer lines, which are not typically included in standard homeowners insurance policies. While homeowners insurance generally covers damage to your home and personal property from events like fire, theft, or natural disasters, it usually excludes damage to utility lines running from the street to your home. A utility line warranty fills this gap, offering protection against leaks, breaks, and blockages to your water and sewer lines.
There are several signs that your utility line may need repair or replacement:
Generally, interior pipe issues cause damage within your home, such as noticeable leaks under sinks or inside walls, while exterior pipe issues are located outside your home, often underground or in your yard. Signs of an exterior pipe issue include water pooling in your yard, sewage backups near outdoor drains, or reduced water pressure throughout your home.
If you're unsure whether the issue is interior or exterior, always feel free to call us, and we can help you confirm and guide you through the next steps for filing a claim.
Our sewer line warranty includes coverage for the repair or replacement of damaged, leaking, or clogged sewer lines that run from your home to the main sewer connection. This protection covers issues caused by normal usage, tree roots, ground movements, and corrosion. The warranty also includes the cost of locating blockages, repairing the sewer line, and restoring the excavation site. However, it excludes pre-existing conditions, damage from misuse or neglect, and lines that do not meet local building codes. Coverage specifics can vary by customer and state, so it's important to review the details of our terms and conditions to understand exactly what is included. The sewer line warranty plan features a $0 deductible, on-demand emergency service, and a $4,000 coverage limit.
For a full list of coverages and exclusions, please review a sample of our terms and conditions.
The water and sewer line combo plan provides comprehensive protection for both your water and sewer lines. This plan covers the repair or replacement of damaged, leaking, or clogged water and sewer lines that run from the property boundary to your home. It includes issues caused by normal wear and tear, tree roots, ground shifting, and corrosion.
Key coverage includes locating and repairing leaks or blockages, excavation and restoration of the affected area, and repairs or replacements due to corrosion, tree roots, or ground movement.
Please note that the plan does not cover pre-existing conditions, damage due to negligence or improper use, or lines that do not comply with local building codes. Coverage specifics can vary by location, so we recommend reviewing the detailed terms and conditions to understand the exact scope of your plan.
The combo plan features a $0 deductible, on-demand emergency service, a $9,000 coverage limit (up to $4,000 for sewer line repair/replacement and $5,000 for water line repair/replacement), and a guarantee of a plumber visit within 72 hours.
For a full list of coverages and exclusions, please review a sample of our terms and conditions.
The Platinum Protection plan offers comprehensive coverage for your water and sewer lines, along with exclusive benefits for added peace of mind. This plan covers the repair or replacement of damaged, leaking, or clogged water and sewer lines that run from the property boundary to your home. It includes protection against issues caused by normal wear and tear, tree roots, ground shifting, and corrosion. Coverage includes locating and repairing leaks or blockages, excavation, and restoring the affected area, as well as addressing damage caused by corrosion or ground movement.
In addition to the standard water and sewer line coverage, the Platinum Protection plan provides a $0 deductible, access to our VIP Concierge Service, and a $15,000 total coverage limit (with up to $7,500 for water line repairs and $7,500 for sewer line repairs). It also guarantees that you will be matched with a plumber within 48 hours and covers emergency hotel stays up to $1,000 if needed. Customers have the flexibility to choose their own contractor*, and Platinum members gain access to the Insider’s Club, which offers exclusive savings, special deals, and expert home improvement tips.
As with all our plans, the Platinum Protection plan does not cover pre-existing conditions, damages due to negligence or improper use, or lines that do not meet local building codes. We recommend reviewing the terms and conditions to fully understand the specifics of your coverage.
For a full list of coverages and exclusions, please review a sample of our terms and conditions.
*Subject to rapid approval from Guardian Service, including verification of contractor licensing, insurance, and confirmation that the estimate is fair and reasonable.
For our standard plans, we take the hassle out of selecting, interviewing, and vetting a contractor by connecting you with one of our certified pros.
Interested in using your own pro? Check out our platinum package to customize your service experience!
Homeowners can submit a claim request, text or call us at 844-4-GUARDIAN to schedule your repair. We'll dispatch a local licensed technician to your home within 24-48 business hours of your request (extenuating circumstances may apply).
Our warranty plans do have specific exclusions, including but not limited to:
For a comprehensive list of exclusions, please review a sample of our terms and conditions.
A pre-existing condition refers to any damage or issue with your sewer or water lines that existed before the start of your coverage. Usually, signs are noticeable as you may experience water leaks, sewage backups, low water pressure, or pooling water in your yard.
If you're unsure, you can:
If you have additional questions, our customer service team is here to assist you!
No, you are not committing to an annual contract. All of our plans are month-to-month, giving you the flexibility to manage your coverage as needed. You can cancel at any time without any long-term commitment.
If you believe you’ve experienced an issue with your exterior water or sewer line, the claims process is straightforward and as follows:
Our goal is to make the process as simple and hassle-free as possible. If you have specific questions about filing a claim, our customer service team is happy to help!