Protecting homeowners since 1999
Septic systems and oil tanks are all we do — twenty-seven years of it, and more than 500,000 policies written. No general home warranty with a tank clause bolted on.
- Insurance-backed
- In-house claims team
- 12 states
One thing, since 1999
ProGuard started as a family-owned business with a single product: a residential cleanup and replacement program for heating oil tanks. Septic system coverage sits alongside it now. Twenty-seven years on, that is still the whole business — not a tank clause bolted onto a general home warranty.
The focus is the point. Our claims team recognizes a failing leach field or a water-ingested tank straight away, because it is the only thing they look at. We run every layer ourselves — the coverage, the enrollment, the billing, the claims and the contractors — across the twelve states we cover, so a failure is one call rather than a hunt for someone who will take the job on.
You may know us as Powderhorn Agency. The name changed to ProGuard; the plans, the people and the service did not.
Backed by an A.M. Best A-rated insurance carrier, ProGuard gives homeowners reliable protection for their heating equipment, oil tanks and septic systems — before small problems become costly disasters.
Who runs ProGuard
Behind that sits the part customers actually meet: our own claims team and a vetted contractor network across the twelve states we cover.
Nick Alexander
Nick is an accomplished senior executive with decades of experience in the home warranty industry in the US and Europe.
He began his career at Deloitte in the UK, and joined HomeServe in 2005 — one of the largest home services companies in the world.
At HomeServe USA he held the positions of Chief Financial Officer, Senior VP of Strategy, and Executive VP of Business Operations. More recently, Mr. Alexander served time as Executive Consultant to Sears Home Services and Aquarion Water Company. Nick is a graduate of University of Aberdeen, United Kingdom. He holds the A.C.A. qualification from the Institute of Chartered Accountants in England and Wales.
What we cover
Three plans, one job each. Prices are annual and every plan is insurance-backed.
Septic systems
Tank, distribution box and leach field — up to $25,000 toward leach-field replacement. Or $55.00 a month on a twelve-month term.
Septic coverageAboveground oil tanks
$219 for a tank inside, $249 outside. Up to $50,000 per claim and $2,000 toward a replacement tank.
Aboveground oil tank coverageUnderground oil tanks
The expensive one to get wrong: excavation, remediation and disposal, up to $100,000 per claim.
Underground oil tank coverage