What’s Included in Our Property Insurance Coverage

We’ll work with you to determine exactly what you need, based on your structure, use, and risk exposure.

Homeowners Insurance

Our homeowners insurance covers your house, your possessions, and your financial security in addition to your building. In addition to providing personal liability coverage in the event that someone is hurt on your property, we also cover damage from theft, fire, storms, and other events. Whether you’re a first-time homeowner or you’ve owned your home for years, our customizable policies give you peace of mind. Additional benefits may include:

• Water backup coverage for sump pump or drain failures
  Extended replacement cost to rebuild your home, even if costs rise above your coverage limit
• Scheduled personal property insurance for valuable goods like jewelry or collectibles
• Medical payments to others in case someone is injured on your property, regardless of fault

Renters Insurance

Just because you don’t own the space doesn’t mean your belongings should go unprotected.  It’s affordable, flexible, and often required by landlords. We make it simple. Our renters’ insurance provides:

• Coverage for clothing, gadgets, and furniture as personal property
• Liability coverage in the event that a visitor gets hurt in your flat
• Additional living expenses if you’re displaced due to a covered event

Condo Insurance

Condo owners face unique insurance needs. While your condo association may cover the exterior and common areas, you’re responsible for everything inside. Our policies cover:

• Interior walls, flooring, fixtures, and built-ins
• Personal belongings
• Loss assessment and personal liability

Landlord / Rental Property Insurance

If you rent out one or more residential units, you need more than standard homeowners insurance. This coverage is ideal for single-family homes, duplexes, or small multi-unit properties. Our landlord policies cover:

• The structure of your rental property
• Liability for injuries to tenants or guests
• Rental revenue loss 

Commercial Property Insurance

Protect your business’s physical assets — your building, equipment, inventory, and furniture—with our commercial property coverage. Whether you operate from a storefront, warehouse, or office, we’ll make sure your space and contents are protected. We help cover:

• Fire, vandalism, theft, and weather-related losses
• Tenant improvements and signage
• Business interruption (optional)

Builders Risk Insurance

Constructing or renovating a property? Builders’ risk insurance is designed to protect buildings under construction from:

• Fire, wind, theft, and vandalism
• Damage to materials, fixtures, and tools on-site
• Losses during renovations or expansions

Inland Marine Insurance

For businesses with tools, equipment, or inventory that move from site to site, inland marine insurance covers:

• Mobile tools and equipment
• Contractor gear and materials in transit
• Property temporarily stored off-site

Who We Serve

• Homeowners looking to protect their investment
• Tenants who wish to protect their personal belongings
• Condo owners need interior protection
• Landlords renting out single or multi-unit homes
• Business owners with physical locations or inventory
• Contractors and developers with active job sites or movable equipment

How to Get Started

1. Tell us about your property or business: Whether it’s your home or a building under construction, we’ll gather the details we need.
2. Review your coverage options: We’ll walk you through personalized plans that meet your needs and budget.
3. Get covered and rest easy: Complete your policy and be secure knowing your property is safe.

Protect Your Property with Confidence

Your property is too important to leave exposed. Guardian Ridge offers trusted coverage for every kind of property owner — from first-time renters to seasoned investors.