Coverage
Prestige Guard is an independent agency — we place coverage across multiple carriers to match the right policy to your risk and budget, for individuals, businesses, and broker-referred clients.
Personal Lines
The most common starting point for new clients — auto and home coverage bundled for savings.
| Line | What it covers | Typical add-ons |
|---|---|---|
| Auto | Liability, collision, comprehensive coverage for personal vehicles | Roadside assistance, rental reimbursement, gap coverage |
| Homeowners | Dwelling, personal property, and liability protection for owned homes | Scheduled personal property, water backup, earthquake |
| Renters | Personal property and liability coverage for tenants | Replacement cost coverage |
| Umbrella | Extra liability limits layered on top of auto/home policies | Higher-limit tiers for high-net-worth households |
Commercial Lines
From single-location shops to multi-vehicle fleets, we build commercial programs around how the business actually operates.
| Line | What it covers | Typical add-ons |
|---|---|---|
| General Liability | Third-party bodily injury and property damage claims | Product liability, professional liability riders |
| Commercial Property | Buildings, equipment, and inventory owned by the business | Business interruption coverage |
| Commercial Auto | Company-owned vehicles and fleets | Hired & non-owned auto coverage |
| Workers' Compensation | Employee injury and lost-wage coverage as required by California law | Experience-mod review at renewal |
Broker Placements
When a risk doesn't fit a standard carrier program, we work our broker network to find coverage — including non-standard auto, specialty property, and higher-risk commercial classes.
Coverage options for drivers who don't qualify for standard-market pricing.
Coastal, older-construction, or high-value homes that need a specialty carrier.
Contractors, trucking, and other classes standard carriers often decline.
Next step
A quote request takes a few minutes and there's no obligation.