Specialty Insurance Made Simple.
From extra liability protection to coverage for boats, motorcycles, condos and more — Guardian Service helps you bundle and save.
🔒 We'll never sell your info. No spam and no robocalls.
Our Specialty Insurance Products
Umbrella Insurance
Extra liability protection that kicks in when your home or auto insurance reaches its limits. Ideal for added peace of mind.
Landlord Insurance
Protects your rental properties and provides liability coverage in the case of tenant injuries or property damage.
Condo Insurance
Tailored coverage for your unit's interior, personal belongings, and liability protection that complements your HOA's policy.
Motorcycle Insurance
Coverage for damage, theft, liability, and accessories for riders who want more than minimum protection.
Recreational Toys
Coverage for the fun stuff – boats, jet skis, snowmobiles, golf carts, ATVs, mopeds, RVs, and more.
Classic Car Insurance
Protect your antique, vintage, or collector car with specialized auto coverage that reflects its true value and usage.
Why Guardian Service
Specialty insurance shouldn’t be a specialty skill. Whether it’s your rental property, motorcycle, boat, golf cart, condo, or travel trailer, finding the right coverage can feel overwhelming — and easy to push off.
That’s why we built Guardian Service.
We make it simple to protect the parts of life that don’t fit neatly into a standard home or auto policy. As your independent insurance agency, we get to know your risks, scan the best carriers, and handle the process start to finish. No hassle, no homework. Just smart protection, tailored to you.
Always Personal
With Guardian Risk IQ, we get to know you by understanding your risk tolerances and preferences, and we help you understand your coverages.
Always Comparing
With our Guardian Marketplace, we combine your profile with our expertise and access to 30+ carriers, so we're always shopping to find you the right protection at the right price.
Always Got Your Back
Our Zero-Commission Guardian Agents are expert advisors you can trust, motivated by serving you well – not by selling you stuff. Insurance is OUR job, so it doesn't have to be yours.
We bring all this together to provide you with the right protection at the right price, reshopped automatically.
Let us show you what it's like to never shop for insurance again.
Fill the gaps in your coverage with specialty insurance that fits your life.
🔒 We'll never sell your info. No spam and no robocalls.
Hear From Our Members
How It Works
Tell us about your current coverage.
Share your current insurance details and we’ll analyze your policy.
We do the homework.
Our experts shop across 30+ top-rated carriers to find the right coverage for your needs.
We show you how you can save money.
Review our recommendations and choose the best option for your situation.
Find out how much you can save in less than 3 minutes.
Fill the gaps in your coverage with specialty insurance that fits your life.
🔒 We'll never sell your info. No spam and no robocalls.
Frequently Asked Questions
What is specialty insurance, and do I need it?
Specialty insurance is designed to protect the things in your life that fall outside the scope of traditional home and auto policies. This can include rental properties, motorcycles, ATVs, boats, RVs, classic cars, and even liability protection that kicks in when other policies reach their limits.
If you own or operate anything that isn’t covered by a standard policy — or you want peace of mind from larger liability risks — specialty insurance is likely a smart and necessary layer of protection.
What kinds of things does specialty insurance cover?
Specialty insurance covers a wide range of assets and scenarios, including:
Recreational vehicles like boats, jet skis, ATVs, snowmobiles, and mopeds
Rental properties (landlord coverage for structure, liability, and loss of rent)
Condos with tailored protection beyond your HOA’s policy
Motorcycles and specialty cars (including agreed-value collector cars)
Umbrella coverage for lawsuits or accidents that exceed your home or auto policy limits
This kind of coverage can include physical damage, liability, loss of use, custom upgrades, medical payments, and legal defense costs.
How is specialty insurance different from standard home or auto policies?
Standard policies only go so far — they often exclude specific property types and have hard limits on liability. Specialty insurance exists to fill those gaps.
For example:
If you’re in a major accident and the damages exceed your auto insurance limits, umbrella insurance can step in.
If a guest is injured at your rental property, landlord insurance protects you where homeowners insurance would not.
If you’re sued for defamation or libel, personal injury coverage (included in many umbrella policies) can cover the legal costs.
We also offer protection for property damage liability, medical payments, and legal defense, even if you’re not found at fault.
Can I bundle specialty insurance with my existing coverage?
Yes, and it often leads to significant savings. Guardian Service works with top carriers to identify bundling options that allow you to combine home, auto, and specialty coverage into a streamlined, cost-effective package.
We also ensure your coverage works together so there are no gaps or overlaps — just full protection and better pricing.
What if I already have some of this coverage, can you still help me save?
Absolutely. Many of our customers come to us with existing policies but aren’t sure if they’re overpaying or underinsured. We’ll review your current coverage, identify any gaps, and shop for better options with 30+ A-rated carriers.
For example, we might find that your umbrella policy doesn’t include personal injury protection or that your motorcycle policy doesn’t account for custom upgrades. We help you spot and solve those issues before they become problems.
How do I know if I have a gap in coverage?
Gaps usually exist in one of three ways:
Liability coverage that’s too low, leaving you financially vulnerable in major accidents or lawsuits
Uncovered property, like a travel trailer or jet ski you assumed was part of your homeowners policy
Excluded events, like being sued for libel or having a tenant cause property damage in a rental unit
We take a close look at your current policies and give you a clear picture of what’s missing—and how to fix it.
Is specialty insurance expensive?
Many specialty insurance policies cost less than people expect — especially when bundled. Umbrella insurance, for example, can cost as little as a few hundred dollars a year for $1 million in coverage.
We focus on value: finding you the right coverage at the right price, without pushing unnecessary extras. And if there’s a more affordable option out there, we’ll find it.
