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Comprehensive Home Protection: The Powderhorn Advantage

Learn about our comprehensive approach to home protection. With ProGuard, and Pro-Sept, we offer full-service programs supported by a network of partners.

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.

Commercial Owners
The Powderhorn Agency offers an array of commercial insurance coverages, specializing in the energy and septic markets.   We work closely with several major A.M. Best-rated insurance companies to provide quotations for commercial auto, general liability, property, crime, and inland marine markets.

Manufactured Housing Communities
For over 10 years, the ProGuard Program has offered an oil tank protection program that especially caters to the unique needs of Manufactured Housing Communities.  Our program includes annual inspections of the oil tanks in your community as well as tank replacement and cleanup protection.  Learn more about this program here.

Oilheat Dealers
With full-service programs supported by over 500 full service heating oil providers. Our ProGuard Program is free to offer to your customers and offers a large range of benefits for you as an oil provider.   Learn about how ProGuard can assist with customer retention, reduce your risk and be an added beneficial offering.

Realty Professionals and Home Inspectors
Don't lose a sale because of storage tank concern; don't lose a sale because of heating and cooling system concerns; don't lose a sale because of septic tank concerns; do give your clients the comfort and peace of mind they're looking for.

Septic Industry Professionals
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.

We also offer an Error’s and Omissions Liability program specifically catered to septic professionals. Learn more about this program here.