An underground oil tank is hidden in the soil. The only sign of its existence will be a fill pipe and vent pipe above where the tank is located. Aboveground tanks are visible. Even if a tank is situated in a basement below the level of the ground outside – ProGuard views it as an aboveground tank.

Aboveground tanks will give years of faithful service but, like anything, in time they will fail. Almost always they corrode from the inside-out, so you will not know when a leak is about to happen until it is too late. Oil from a leaking indoor tank can easily escape through cracks in concrete slab or, even worse, get into a basement sump and into waterways, causing an expensive environmental nightmare. An outdoor tank that leaks will pollute the soil and water courses too. If there is a leak, your state or town will have strict rules on cleanup and soil disposal, costing you tens of thousands of you do not have ProGuard coverage.

Once you have been a member ProGuard also offers a great way to reassure a homebuyer if you sell your home. Coverage is transferable from you to the homebuyer.

There are many to list – and only ProGuard knows how to handle them:

• The first crisis to handle will be how to remove the oil from the bad tank.
• You may have a ton of oil in the tank that now is escaping.
• Calling a specialist emergency contractor to pump the oil out will cost thousands.
• Now your home has no heat.
• You now need to find someone to replace the tank.
• You are in a hurry as you have no way to heat your home. The contractor knows this, so you have no power to negotiate price with them.
• The price goes up. The contractor points to all the environmental regulations that have been broken and how onerous the cleanup is.
• Now the bill is heading to five-figures.
  If the oil has escaped to neighboring land you lay be liable to clean up that property too.
• The job is often NOT DONE until the DEP says the soil is clean enough.

Our standard price for Aboveground Oil Tank Protection is $189 per year; however, if you use one of our partners to deliver your oil or install your new oil tank, you may be eligible for a discount. Check our ‘Get Coverage’ page for more details.

Our Aboveground Oil Tank Protection Plan provides $50,000 of environmental clean-up coverage. It also contributes $2,000 to the cost of a new tank. When you enroll, your tank needs to be in good condition (see our criteria here) and not leaking. If your tank does not meet our criteria or has already started to fail at time of enrollment, your claim will be denied.

If you are the owner of the tank (if you are the homeowner, you will be) and it meets our criteria and is not leaking, you can enroll.

Almost certainly not. Tanks fail due to corrosion / wear and tear, which is a general exclusion in most policies, and many policies specifically exclude the consequences of oil contamination for any reason as well.

Click on the ‘Get Coverage’ link above to enroll! If you have received a ProGuard mailer or leaflet with a QR code, scan that code for your personalized offer.

Our standard coverage lasts one year. If you have just bought your home or had a new tank installed, 5-year coverages may be available for you.

Yes, but it is only $500.

Don’t worry, you’re in safe hands. We’ve been in business for over 25 years and we’ve seen it all.

You should immediately contact us to file a claim either online or by calling us on 888-354-0677. Once a claim has been filed, you will be assigned an expert claims handler who will request specific information. We will then assign one of our field experts to your case, and they will be in touch with you to project manage your claim to successful close in a timely manner and to the standards that we demand from our technician and contractor network.

Oil companies specialize in delivering oil – we specialize in protecting oil tanks. Your oil company might offer you a ‘tank protection program’ – if it is not ProGuard then it is likely a shallow coverage, often only offering a discount on a replacement tank, and no clean-up or environmental remediation. Nor does it offer the expertise, independence or impartiality that we offer in representing you when a claim occurs. Importantly, these plans are not underwritten by a large insurance company and so you can’t be 100% sure they will be there to pay your claim. Look for the name ‘ProGuard’ before you buy!

• Fragile legs and physical foundation on which tank stands;
• Corrosion from inside due to condensation and biofuels;
• Age of tank;
• Lack of maintenance;
• Direct damage to the tank;
• Frayed lines;
• Broken gauges and attachments;
• If located outside, debris, vegetation, and debris around the tank.