Septic and oil tank coverage that pays the five-figure bills
Homeowners insurance often excludes failed septic leach fields and oil tank wear and tear. ProGuard covers the contractor, the cleanup and the repair or replacement.
5.0 on Google · 100+ homeowner reviews
91%
of customers renew
Ten years of renewal data. Nobody renews coverage that let them down.
500,000+
policies issued since 1999
Twenty-seven years of septic and oil tank claims behind every plan.
12
states covered
CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT and VA.
24/7
claims line
Failures don’t keep office hours. (866) 356-8381, any hour.
ProGuard plans are insurance-backed — see how our coverage works.
Choose the system you want protected
Each plan covers one system end to end — the diagnosis, the contractor, the repair or replacement, and the cleanup. Real limits and real deductibles, shown up front.
Septic System
$599/yror $55.00/mo on a 12-month term
- Up to $25,000 toward leach field replacement
- Tank, distribution box, lines, pumps, and leach field covered
- Contractors, permitting, labor all included
Aboveground Oil Tank
$219/yr indoors$249/yr outdoors
- Up to $50,000 in cleanup coverage
- $2,000 toward a replacement tank
- No inspection — confirm eligibility at checkout
Underground Oil Tank
$549/yroptional voluntary-pull add-on +$365/yr after year one
- Up to $100,000 in cleanup coverage
- $1,500 toward a new tank, plus removal
- Soil test at checkout or within 30 days
★★★★★ Rated 5.0 on Google by 100+ homeowners
Not sure which system you have? Call (888) 354-0677 and we’ll work it out with you in a couple of minutes.
Think you’re covered? Most aren’t.
Most homeowners expect the exclusions to surface only at claim time, when it is too late to do anything about them. Here is exactly what each kind of cover does and does not pay for.
Close the gap your policy leaves
Get covered in minutesEnroll online · 30-day money-back window if you change your mind.
Comparisons describe typical homeowners policies and home warranty plans; individual policies vary. ProGuard limits and deductibles are per your plan terms.
Every number, up front
Limits and deductibles are where protection plans earn or lose trust — so here are ours, in one place.
| Plan | Annual price | Coverage limit | Deductible | Also worth knowing |
|---|---|---|---|---|
| Septic | $599 (or $55.00/mo) | $25,000 | $500 | No waiting period if pumped on schedule. Routine pumping stays your job. |
| Aboveground oil | $219 indoors · $249 outdoors | $50,000 | $500 | Includes a contribution toward disposing of your old tank. |
| Underground oil | $549 | $100,000 | $2,500 | Attach a soil test at checkout or within 30 days; coverage starts on a clean test. Optional voluntary-pull add-on +$365/yr after year one. Voluntary Pull enables you to preserve your coverage if you decide to proactively remove — or “pull” — your underground oil tank. |
Ready when you are
Get covered at these pricesOnline in minutes, no long forms. Underground oil tanks add one soil test.
Questions about any line of this table: (888) 354-0677, Mon–Fri 8:30am–6:00pm ET.
What a claim actually looks like
This is the part of an insurance policy or warranty you can’t see on a sales page — so here is exactly what happens when you need us.
Call the claims line — any hour
(866) 356-8381 is answered 24/7, because backups and leaks don’t keep office hours. Or start online at file a claim.
We confirm coverage and dispatch
Coverage comes from your plan terms, not a negotiation. We line up the contractor and the work — you don’t hunt for one mid-emergency.
The covered work gets done
You pay your deductible; the plan pays the covered work up to your limit — every number spelled out in your plan terms, not negotiated mid-claim.
What Our Customers Are Saying
Frequently Asked Questions
What do ProGuard’s plans protect me and my home against?
Our plans help protect you from:
- High repair or replacement costs
- Environmental clean-up expenses
When your home’s essential systems fail due to:
- Wear and tear
- Corrosion
- Aging
How does a ProGuard protection plan differ from homeowners insurance?
Homeowners insurance typically protects against sudden, unexpected events like fires, theft, or falling objects. In those cases, your insurance company may issue a check, but you’re left to figure out how to solve the problem on your own.
However, homeowners insurance does not cover issues caused by wear and tear, aging, or lack of maintenance. It also excludes oil tanks and septic systems in most cases.
A ProGuard protection plan fills those gaps. We offer direct support with repairs and replacements through our nationwide network of expert technicians. Our plans include up to $100,000 in coverage for environmental cleanup and system remediation, so when problems arise, you’re not left figuring it out alone.
Does homeowners insurance cover septic or oil tank failure?
Usually not. Standard homeowners policies are written for sudden accidental damage, and they typically exclude the wear, tear and gradual deterioration that actually causes a leach field to fail or a tank to leak. Home warranties often cap this kind of work well below what it costs. That gap is what ProGuard was built to cover — up to $25,000 on septic and up to $100,000 on an underground oil tank claim. Check your own policy wording, then compare it with the table above.
Do I need to pay a deductible when I file a claim?
Your deductible depends on your plan: $500 for Septic and Aboveground Oil Tank claims, or $2,500 for Underground Oil Tank claims.
What is the best way to file my claim?
We accept claims over the phone and via our online form submission. The online form submission is best since that goes straight to all our claims team’s inboxes and we go ‘all-hands-on-deck’ right away – regardless of the day or time (we’re 24/7 as we have remote work capabilities). If you call in, processing time may be slower due to availability of staff, etc. But we have you covered either way!
If I’m selling my home, can the plan be transferred to the new homeowner?
Yes, if you are selling your home, your plan can be transferred to the new homeowner.
ProGuard covers homeowners in 12 states: Maine, Vermont, New Hampshire, Massachusetts, Rhode Island, Connecticut, New York, New Jersey, Pennsylvania, Delaware, Maryland and Virginia. The coverage area is the same for septic systems and oil tanks.
Not in your state yet? We are always looking to expand — join the coverage waitlist and we will be in touch as soon as we reach you.
Pick a plan in minutes — no long forms, no surprises.
Know your system, know your limit, know your deductible — before you need any of them.
