Frequently Asked Questions – Guardian Insurance
1. What types of insurance does Guardian Insurance offer?
At Guardian Insurance, we offer a wide range of insurance products, including auto insurance, home insurance, renters insurance, general liability, workers’ compensation, and commercial auto insurance. Whether you're an individual or a business owner, we can tailor a policy to fit your needs.
2. Why should I choose Guardian Insurance over other agencies?
Guardian Insurance stands out for its personalized service, affordable rates, and fast claim support. We work with multiple carriers to help you find the best coverage at the lowest possible rate. Our team takes the time to explain your options clearly and honestly.
3. How can I get a free insurance quote?
Getting a free quote is easy! You can call us, visit our office, or fill out our online quote form. Just provide some basic information, and we’ll shop multiple companies to find the best rate for you.
4. What’s the difference between full coverage and liability insurance?
Liability insurance only covers damage you cause to others, while full coverage includes liability plus protection for your own vehicle (comprehensive and collision). We help you understand the difference and choose what’s right for your budget and situation.
5. Can Guardian Insurance help with SR-22 insurance?
Yes! Guardian Insurance specializes in SR-22 filings for drivers who need proof of insurance for license reinstatement or other DMV requirements. We can get your SR-22 filed quickly and help you stay legal on the road.
6. How does homeowners insurance protect my property?
Homeowners insurance protects your property against risks like fire, theft, vandalism, and natural disasters. It also provides liability coverage if someone is injured on your property. Guardian Insurance will help you choose a policy that fits your home's value and location.
7. What is workers’ compensation insurance and who needs it?
Workers’ comp covers medical expenses and lost wages if your employees get injured on the job. It’s legally required in most states for businesses with employees. We offer affordable, compliant plans tailored to your industry.
8. Can I bundle my home and auto insurance with Guardian Insurance?
Absolutely! Bundling your policies can save you money and simplify your billing. Ask us about our multi-policy discounts to see how much you can save by combining home, auto, and other coverage.
9. Do you offer commercial insurance for small businesses?
Yes, Guardian Insurance supports local entrepreneurs with general liability, commercial auto, property, and business interruption insurance. We’ll help you protect your business from unexpected losses.
10. How do I file a claim with Guardian Insurance?
Filing a claim is easy with Guardian Insurance. Call us directly, and we’ll walk you through the process or connect you to your carrier. We’ll advocate for you to make sure your claim is processed quickly and fairly.
11. What factors affect my auto insurance rate?
Your rate depends on factors like driving history, age, location, type of vehicle, and coverage level. At Guardian Insurance, we compare multiple companies to find you the best rate based on your unique profile.
12. Can Guardian Insurance help me get affordable insurance with a bad driving record?
Yes! We specialize in helping drivers with tickets, accidents, or DUIs find affordable auto insurance. We work with companies that offer flexible payment plans and won’t turn you away.
