A complete line of insurance products and services.  Make “Guardian Indemnity”, your one stop shop for all your insurance needs. From automobile insurance to blanket policies. We have what you are looking for. With discounted pricing and specialty products to meet the highest standards in risk management our landlords’ demands, we’ve got you covered….  Meet your insurance needs with…

• Guardian Indemnity!

Here at Guardian Indemnity, we are committed to helping you find health, home, auto and life insurance that fit your needs and  budget. We’ve also partnered with top insurers to put you in the driver’s seat, allowing you to compare up to five free quotes on the insurance of your choice.
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Trust Guardian Indemnity to find a policy for you. Simply enter your information to the right and receive up to five free quotes on the insurance of your choice!

What’s my credit got to do with it?

• A lot unfortunately (or fortunately if you have good credit).  According to a report by the Federal Trade Commission (whose mission is to protect consumers) credit history is an effective predictor of the claims risk of an auto insurance applicant.

That’s why insurers fight tooth and nail to maintain the right to use credit scores in their underwriting.
But is it fair? Well, that depends. Insurers say they need to be able to accurately gauge how much risk they take on. Every new policy an insurer sells increases their exposure to risk and uncertainty. This is because they don’t know if they will end up paying out more in claims than they collect in premiums.

Some consumer and minority advocates say credit scores unfairly target low-income and minority applicants, who are more likely to have bad credit than upper and middle class applicants.

While that is perhaps true, it’s tough to make an argument that the situation is unfair; insurers aren’t to blame for bad credit. Nor can they be blamed for using data that’s effective in predicting someone’s claims risk. If there were no correlation between the two, then insurers would have no reason to use credit in their underwriting formula. In other words, insurers don’t use credit history just to be evil; they use it to be more accurate. It may be cold and calculating but it’s nothing personal.

(If we must put the blame somewhere, maybe we can put it on the credit card companies, who indiscriminately hand out cards to people who shouldn’t have them.)
So maybe fairness isn’t the issue, but that doesn’t mean it’s not an unfortunate state of affairs, namely because people with poor credit and low income will have to pay more for car insurance than the average person, even though they have fewer resources to do so.
And since car insurance is required to drive, and driving is vital in getting to work (where one earns a paycheck), people with bad credit and low incomes often find themselves in a pickle.

But the FTC report did offer a potential benefit to the credit-based underwriting. Use of scores may result in benefits for consumers. For example, scores permit insurers to evaluate risk with greater accuracy, which may make them more willing to offer insurance to higher-risk consumers for whom they otherwise would not be able to determine an appropriate premium. Scores also may allow insurers to grant and price coverage more efficiently, producing cost savings that could result in lower premiums.

Insurers make a similar argument: let us use every tool at our disposal to help us calculate the claims risk of applicants and as a result, everyone will benefit with lower premiums.

5 Ways to Save on Home Insurance

• Homeowner’s insurance is an important part of protecting your most valuable investment: your home! Homeowner’s insurance also protects your belongings—electronics, furniture and family heirlooms from loss or damage.

And though home insurance is an important purchase, you can still find a comprehensive policy for a price that won’t stretch your wallet. The Insurance Information Institute, an independent insurance resource for consumers, recommends doing the following:
Shopping around. There are a myriad of insurance companies and brokers out there, all of which sell similar home insurance policies for different prices. But don’t waste time flipping through the Yellow Pages to contact four or five agents—shop online here—and receive multiple insurance quotes from local agents.
Take advantage of discounts. You may be eligible for an array of discounts which can lower your home insurance premium. Be sure to ask prospective home insurance agents about discounts for:

• Buying multiple policies through the same insurer (like home and auto)
• Living within 15 miles of a fire station
• Installing electronic burglar alarms
• Installing multiple smoke detectors
• Updating plumbing and heating equipment

Increase your deductible. The higher your deductible—the amount you pay on a claim before the insurance company takes over—the lower your premium will drop. Just remember to select a deductible you can afford; you don’t want to break the bank if you need to file a claim.
Make routine home repairs. Invest some time, money and elbow grease into making repairs to your roof, plumbing and heating systems and the like. It will reduce the chances of an in-home catastrophe, and your agent will reward you by lowering your premium.
Maintain good credit. Many homeowners are surprised to learn about the correlation between insurance rates and their credit history. And while some states are questioning whether or not to throw credit rating out of the premium-determining bucket, right now, it’s still a widespread practice. So pay those bills in full and on time!
You’ve got the tips—now start saving!
Now that you’re armed with the proper insurance saving artillery, you’re ready to start shopping. You can start here by entering your zip code into our quote box. You’ll receive free home insurance quotes from local agents, allowing you to compare policy types and premium prices and pick the policy that best fits your needs.
Car Insurance: Money-Saving Tips
Many people lament the purchase of auto insurance. So we’re here to make it less painful. Check out these six money-saving tips and take the sting out of buying insurance.
#1 Raise your deductible. It’s a gamble, sure. You’ll be responsible for a larger amount of the bill should you get into an accident. However, this is a guaranteed way to lower your annual insurance costs.
#2 Shop around. Staying with the same insurance company year after year may not be in your best interest. You can cancel or change your policy at any time—you don’t need to wait for the policy to expire. So shop your insurance every six months and compare prices to ensure you are getting the best deal.
#3 Remove unneeded extras. Although knowing you have towing and rental car coverage may help you sleep at night, those add-ons are rarely used and not necessarily worth the cost. You pay between $10 and $30 a year over the life of your policy to cover towing. And in the unlikely situation that you need a tow, you’ll pay about $100. Likewise, a small economy car costs $20-$25 a day to rent and car rental tacks on another $20-$40 to your insurance bill each year. So you can sleep well knowing that you saved yourself some money.
#4 Protect your credit. More insurers have begun using credit-based insurance scores to determine what you pay for your policy. So paying the water bill on time will actually keep your insurance costs down.
#5 Research discounts. Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.
#6 Get informed. The easiest way to save on any insurance is to research before you buy. And get recommendations from family and friends.
And now for the shameless plug; shop here to find quotes and match them with agents from your area!

Home Insurance FAQs
A home is more than just a structure where you live. It’s where you keep your possessions, relax after a long day and keep warm on a cold night. It houses your family and all your memories. That’s why it is important to protect it with insurance, so that if an unexpected event occurs, you are covered.
What’s covered in a standard homeowner's policy?
A standard policy has four main types of coverage: coverage for the structure of your home, your personal belongings, liability protection and additional living expenses:
Structure of Your Home
You should buy enough insurance so that you could rebuild your home if it is damaged or destroyed. Most standard policies also cover structures that aren’t attached to your home as well, such as garages and sheds.
Liability
Liability coverage protects against bodily injury and property lawsuits. It pays for your defense in court and any money you are required to pay, up to your policy limit. This includes no-fault medical coverage, if someone is injured in your home.
Personal Belongings
Most policies offer coverage of your personal belongings between 50 and 70 percent of the amount you have on your home. You should conduct a home inventory before you purchase insurance, so that you can determine what amount is needed. Most policies cover your possessions anywhere in the world.
Additional Expenses
If your home is damaged so badly that you must leave during repairs, a standard policy will pay for your hotel stay, restaurant bills and even reimburse you for money lost if you were renting out part of your home.
Is my home covered in the case of an earthquake or flood?
You need to purchase flood and earthquake insurance separately. Most insurance companies offer this type of coverage. They differ from coverage for other disasters. For example, earthquake insurance covers a percentage of the damages instead of a dollar amount. Talk to your insurer to get the specifics.
What’s the difference between actual cash value and replacement cost?
An actual cash value pays to rebuild your home, minus depreciation. A replacement cost policy pays to replace your home and/or possessions without a deduction.
Do I have to buy home insurance?
You aren’t legally required to have home insurance like you are car insurance. However, if you finance your home through a mortgage company, they will require you to have some kind of insurance policy. Even if your home is paid in full, it’s wise to have home insurance to protect your investment.
Health Insurance 101: Your Questions Answered
Getting informed before you purchase health insurance is the best way to ensure the most affordable rate. Read on to shed some light on some of your tough questions.
What are the different types of managed care?
There are three main types of managed care.

• Preferred Provider Organization (PPO): If you opt for a PPO, you have access to a network of health care specialists. You may choose a health care provider from within your network or a non-network health care provider. You pay more if you choose to go out of network.
• Health Maintenance Organization (HMO): An HMO requires a co-payment to an in-network physician. However, an HMO will not pay for services you receive outside the network. You choose a primary care physician and they become the gatekeeper to your health care. You must obtain a referral, if you seek specialty care.
• Point of Service (POS or Open Access HMO): With this insurance plan you can go out of network. But you won’t be reimbursed the full amount—usually only 50 to 80 percent.

What is an HSA?
An HSA is a health Savings Account, which is used along with a High Deductible Health Plan (HDHP).
If you choose an HSA, you put tax-sheltered money into a savings account. When you become ill or injured, you use the money in your account to pay for your medical care. If the cost of service exceeds the deductible of your HDHP, the insurance company pays the excess.
This is a good way to save money on health care, because you only pay when you seek service and are not required to pay a monthly premium. However, if you have a health condition or partake in some dangerous hobbies, you are probably better off with a traditional plan.
What’s the difference between a premium, deductible, co-payment and co-insurance?
A premium is the total monthly or annual amount you pay toward your policy.
A deductible is the amount you must pay before your health plan begins paying your health care expenses.
A co-payment is the amount you pay when you receive care. The amount varies depending on your plan and whether you go to an in-network provider. Usually a percentage, co-insurance is the part of health care you pay along with your deductible.

What is a pre-existing condition?
A pre-existing condition is usually a health issue that arose before you applied for coverage with a new insurer. Whether a pre-existing condition is covered by a new insurer varies from plan to plan, insurer to insurer. Some pre-existing health conditions are excluded entirely, some are fully covered and some are covered after a specific amount of time. The Health Insurance Portability and Accountability Act guarantees coverage for pre-existing conditions if you are joining a new group plan from your employer and you were insured the previous twelve months.

Will my health insurance pay for my prescriptions?
In most cases, you will have to co-pay for prescriptions. Depending on your plan, certain types of prescriptions may not be covered, such as oral contraceptives or hormone replacement therapy. And if you opt for the generic version of the drug, you will pay a significantly lower price for a comparable product.

Will my insurance rates increase as I get older?
As you age, your risk for certain health conditions increases. For example, women are more susceptible to breast cancer after age 40. Insurance underwriters take those statistics into account when determining your rates. But as health care continues to improve, certain conditions no longer guarantee you a higher insurance rate, such as high cholesterol or blood pressure.

How do I find the right insurance at an affordable price?