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- Financially stable company<\/li>
- Discounts available<\/li>
- Many positive reviews online<\/li><\/ul>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n<\/svg>\n
- <\/span>Mixed reviews on claims and customer service <\/li>
- <\/span>High number of closed complaints on BBB<\/li>
- <\/span>Premiums can be on the expensive side<\/li>
- <\/span>Homeowners policies only offered in 23 states<\/li><\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><\/div>\n\n\n\n
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<\/a>, landlord insurance<\/a>, renters insurance<\/a>, and umbrella policies<\/a>. They have a range of products to suit your needs.<\/p>\n\n\n\n
<\/span>Guard homeowners insurance coverages<\/span><\/h2>\n\n\n\n
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:<\/p>\n\n\n\n
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- Owners of one or two-family homes<\/li>\n\n\n\n
- Purchaser occupants<\/li>\n\n\n\n
- Life estate arrangements<\/li>\n\n\n\n
- Seasonal dwellings<\/li>\n\n\n\n
- Homes under construction<\/a><\/li>\n\n\n\n
- Residences owned by businesses<\/li>\n\n\n\n
- Residences where business activities occur<\/li>\n<\/ul>\n\n\n\n
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.<\/p>\n\n\n\n
You will get the standard coverages for your dwelling<\/a>, other structures<\/a>, personal property<\/a>, loss of use<\/a>, personal liability<\/a>, and medical payments<\/a> 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.<\/p>\n\n\n\n
<\/span>Additional coverages<\/span><\/h2>\n\n\n\n
As mentioned, you can get add-ons when you purchase a homeowners policy through Berkshire Hathaway Guard. These are the ones they mention online:<\/p>\n\n\n\n
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- Service line coverage<\/a><\/li>\n\n\n\n
- Home systems protection (Guard’s equivalent of equipment breakdown coverage<\/a>)<\/li>\n\n\n\n
- Identity fraud<\/a><\/li>\n\n\n\n
- Deductible options<\/li>\n<\/ul>\n\n\n\n
There is also a package you can add to your policy that is known as the Personal Property Plus<\/strong> package. You can get this added as an endorsement to further protect your personal belongings<\/a>. 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.<\/p>\n\n\n\n
<\/span>Guard home insurance discounts<\/span><\/h2>\n\n\n\n
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.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
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<\/a>.<\/p>\n\n\n
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