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Berkshire Hathaway Guard Home Insurance Review (2023)

Founded in 1983, Berkshire Hathaway GUARD is an insurance company that offers home insurance policies in 23 states. They offer multiple ways to customize your coverage and a few discounts.

Read Time: 7 mins

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Premiums 2
Claims 4
Customer Satisfaction 4
Financial Standing 5
  • Financially stable company
  • Discounts available
  • Many positive reviews online
  • Mixed reviews on claims and customer service
  • High number of closed complaints on BBB
  • Premiums can be on the expensive side
  • Homeowners policies only offered in 23 states

Berkshire Hathaway Guard Insurance Companies was founded in 1983. This insurer is owned by Berkshire Hathaway. Guard is a carrier that serves all 50 states. They offer homeowners insurance policies, as well as condo insurance, landlord insurance, renters insurance, and umbrella policies. They have a range of products to suit your needs.

Berkshire Hathaway Guard is licensed in all 50 states, but homeowners insurance is only offered in 23 states: Arizona, California, Connecticut, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Washington, and Wisconsin.

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Taking a look at several different insurance carriers before purchasing a policy is a great way to shop for homeowners insurance. This is going to allow you to find the best company overall, comparing different features and coverages along the way.

Guard homeowners insurance coverages

The website showcases a range of different types of coverage offered by Berkshire Hathaway Guard. They advise that their homeowners policies are most suitable for the following situations:

  • Owners of one or two-family homes
  • Purchaser occupants
  • Life estate arrangements
  • Seasonal dwellings
  • Homes under construction
  • Residences owned by businesses
  • Residences where business activities occur

This is a wide range of situations that may apply to different individuals. It is great knowing that Berkshire Hathaway Guard offers coverage to include these situations because many other carriers would potentially turn the home away.

You will get the standard coverages for your dwelling, other structures, personal property, loss of use, personal liability, and medical payments when you get a homeowners policy through Berkshire Hathaway Guard. There are also different add-ons available if you want to create a custom policy to suit your needs.

Additional coverages

As mentioned, you can get add-ons when you purchase a homeowners policy through Berkshire Hathaway Guard. These are the ones they mention online:

There is also a package you can add to your policy that is known as the Personal Property Plus package. You can get this added as an endorsement to further protect your personal belongings. To find out more about these additional coverages, it appears the easiest way to do this is by asking an agent about the different options.

Guard home insurance discounts

Berkshire Hathaway Guard does offer discounts to lower your homeowners insurance premium. This can help you save money throughout the year by seeing which ones you qualify for. The only discount they specifically name online is the multi-policy discount.

This will provide you with a discount on your homeowners insurance if you hold another type of policy through the carrier. To find out more about the other discounts provided, it would be best to ask an agent when you are getting a quote.

You may also be able to find out more about them if you request a quote online. They have a form you can fill out that will put you in contact with an agent who can help. Berkshire Hathaway Guard appears to make it as easy as possible for you to get in contact with them.

Guard home insurance premiums

It is unknown exactly where the carrier comes in with its pricing. Since they do offer discounts, it is worth proceeding with a quote to see exactly how much a policy will cost you. This can vary greatly, especially because they offer additional coverage that can be added as needed. You can get an exact figure when you go through the specifics of what you want to be included in your policy.

There are not many reviews talking about premium pricing, so it is difficult to tell where Berkshire Hathaway Guard falls in terms of its affordability. We did find a couple of reviews mentioning that they got affordable rates. Since they do provide discounts, it is safe to say they will likely help customers obtain the lowest rates possible.

According to PolicyGenius’s data, Guard’s homeowners insurance premiums are more than two times higher than the national average. You can expect to pay over $4,000 per year for a policy with $300,000 of dwelling coverage.

Homeowners Insurance Cost Calculator

Guard’s claims experience

Many of the reviews left for Berkshire Hathaway Guard are by customers who have had positive claims experiences. These individuals are happy with the way their homes were covered and with the ease of actually going through the claims process. A majority of people seem to recommend this company and are happy with its ability to handle claims of all kinds.

There are a few reviews that disagree, stating that Guard does not communicate effectively. Some people have been left waiting for weeks without answers regarding their claims. However, these reviews are rare when compared to the ones that are left praising the company.

Guard’s customer service

The reviews regarding the company’s customer service are also mainly positive. Customers praise the individuals at Berkshire Hathaway Guard for being helpful and attentive. Most people who have questions get them answered in a timely manner and feel they can turn to the company when they need to make changes to their policies. This is a good sign when choosing a carrier to work with.

Some people complain by stating they have had the opposite kind of experience with Berkshire Hathaway Guard. They have talked about the company’s inability to help them and how they often “lose” important documents. These mixed reviews make it difficult to determine the exact type of experience you will have if you choose the company.

However, overall policyholders seem to be satisfied. As of May 2023, Berkshire Hathaway Guard has earned a 4.2-star rating from 269 Google reviews with many customers reporting their positive experiences.

According to NAIC (National Association of Insurance Commissioners) Guard gets above average number of homeowners insurance complaints for a company of its size. In 2022, Guard’s complaint index for home insurance is 0.96 which is just slightly below the national average of 1.00.

Guard’s financial stability


While Berkshire Hathaway Guard is not accredited through the Better Business Bureau, they have received an A+ rating through the company. This is the highest rating that can be earned. Over the past three years, they have had 77 closed complaints.

AM Best

As of March 2020, Berkshire Hathaway Guard has earned an A+ rating through AM Best. This is considered a superior rating. The financial outlook for the future is seen as positive, which is a good sign for a company.

These are great ratings to receive, but the closed complaints should definitely be taken into account.

The verdict

Berkshire Hathaway Guard is a reputable carrier that serves all 50 states with homeowners insurance offered in 23 of those states. They have a wide range of products available and accept many different types of risks. This is great for people who have had trouble getting insurance in the past. The carrier aims to provide homeowners insurance to as many people as possible.

They offer a range of discounts, though not all of them are listed online. The carrier suggests that speaking to an agent is the best way to get a quote and get direct premium information when you are looking to compare rates. You can also ask about specific coverages this way if you are interested in adding them to the policy.

Customers have mixed reviews when it comes to the way that Berkshire Hathaway Guard conducts business. Most are happy with the way they handle claims and customer service inquiries, but others argue that the company is not great at either. When combined with the 77 closed complaints over the last three years through the BBB, it is best to proceed with caution when thinking about getting a policy through Berkshire Hathaway Guard.

The company is financially stable with a positive outlook for the future. They have a solid reputation, but these are only a few of the factors you should keep in mind when shopping for homeowners insurance policies.

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Kristen Nadel has worked as an insurance agent for 4 years and has an extensive background in writing homeowners insurance content. She is also a published author residing in Oklahoma. Her creative spirit and tenacity for excellence allow her to stay inspired. Writing is more than just a task to her — it is a lifelong passion.
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