Compare. Protect. Save.
We help you find the best umbrella coverage at the best price.
Your security, beyond limits.
We help you protect it.
Guardian Service brings you personalized umbrella coverage options from A-rated carriers, combining the best of independent agents with cutting edge digital technology.

Why Guardian Service?
We cover medical expenses and damages if you are found legally responsible for injuries or property damage beyond your standard policy limits.
What Guardian Service Protects
We offer a wide range of policies, from basic to premium coverage, ensuring your home and belongings are protected against unexpected events.
Our policies cover your belongings, with options for replacement cost or actual cash value coverage.
How It Works
Tell us about your
current coverage.
We do the
homework.
We show you how
you can save money.
Find out if your plan is really the best pairing of coverage and savings.
Guardian Service’s Customer Experience
- Access to A-rated carriers
- Consultative approach to understand your unique needs
- Digital convenience with human expertise
- Comprehensive, personalized quote presentations
- White-glove service for purchasing and switching policies
- Proactive follow-up and continuous rate shopping
- 24/7 customer support
FAQs
What is the purpose of an umbrella policy?
An umbrella policy provides extra liability protection beyond standard home and auto insurance. It covers major claims, legal fees, and damages that exceed primary policy limits, ensuring financial security against costly lawsuits, accidents, or personal liability risks like defamation or property damage.
Who really needs umbrella insurance?
Homeowners, landlords, high-net-worth individuals, business owners, and anyone with significant assets or potential liability risks benefit most. Those who frequently host guests, own rental properties, drive often, or engage in activities that increase liability exposure (e.g., coaching, volunteering) should strongly consider it.
Is an umbrella policy worth having?
Yes, for anyone seeking extra protection against unexpected lawsuits and financial losses. It’s an affordable way to safeguard assets and future earnings, offering peace of mind by covering legal costs and high-value claims that could otherwise lead to severe financial hardship.
Why Guardian Service?
- Choice across multiple carriers
- Convenience with a human touch
- Always-on price protection
- 7-star customer experience