Homeowners

Powderhorn does home protection right. We cover important home systems that are often excluded from your homeowner's insurance – your heating oil tanks and septic systems. In other words, we fill the gaps in your homeowner’s insurance to give you complete peace of mind and ensure that each and every aspect of your home is fully protected. How do we accomplish all that?

With full-service programs supported by over 500 full service heating oil providers and septic companies. With customer service and claims processing available 24 hours a day, 365 days a year. With a full staff of experienced underwriting and claims professionals.

It all starts with ProGuard, a comprehensive residential cleanup and replacement program for owners of underground and aboveground heating oil tanks. Introduced by The Powderhorn Agency in 2001, ProGuard has grown to be the largest program of its kind, relied on by more than 60,000 full service residential customers across the U.S. In addition to proactive tank replacement assistance and other benefits, this program provides customers with up to $50,000 in the event of an aboveground tank release or up to $100,000 in the event of an underground tank release. Please visit our ProGuard page for complete details.

We also provide Pro-Sept, the first and only insurance-backed residential program providing protection for both new and existing septic systems. Pro-Sept covers repairs or replacements up to $25,000 and can protect your property from an incredibly messy malfunction. Please head over to our Pro-Sept page to learn more.