The coverage homeowners insurance leaves out
Septic systems and oil tanks fail without warning — and home insurance won’t pay to put them right. ProGuard will, up to $100,000 per claim. Since 1999.
Most warranties cap out early. ProGuard doesn’t.
A failed septic leach field or a leaking oil tank is one of the most expensive things that can go wrong at a house — and it is precisely the sort of claim standard policies exclude. That gap is the reason ProGuard exists.
Homeowners insurance
Septic and oil tank failure is typically written out of the policy as wear, gradual damage or pollution.
Typical home warranty
Caps at a few thousand dollars — a fraction of a real replacement or cleanup bill.
ProGuard
Per underground oil tank claim, including environmental cleanup. Septic plans cover up to $25,000 for leach field replacement.
Limits, deductibles and eligibility vary by plan and by system. See the full plan comparison →
Cover that matches the size of the problem
Limits sized to the real cost
A single underground oil tank leak can cost more than $100,000 to clean up and replace. Our plans are written to that scale rather than to a token cap, so a covered failure does not become your problem.
In North Attleborough, Massachusetts, a 190-gallon heating oil leak left a family facing an estimated $400,000 cleanup bill. Their homeowners insurance did not cover it. Reported by NBC Boston, July 2025 →
One call, handled end to end
When a system fails you should not be ringing round for contractors. Call us and we dispatch a skilled field expert who manages the claim from first visit to final repair, and keeps you posted at each step.
“I was so glad I had a policy in place when my oil tank leaked. Your staff was very helpful and courteous in my stressful situation. Claim was processed and payment received.”Kim Tupper · Google review, September 2026
Environmental cleanup included
A failure is a health and environmental problem as well as a repair bill. Covered claims include remediation to restore the property in line with state environmental standards — contained, cleaned up and signed off.
27 years doing one thing properly
ProGuard has covered septic systems and oil tanks since 1999 — not a line item bolted onto a general homeowners insurance policy or home warranty. It is why our claims team recognizes a failing leach field or a water-ingested tank straight away, and why 91% of customers stay with us each year.