Green Shield Risk Solutions, a managing general agent (MGA) focused on high-risk insurance markets, has launched its new homeowners programme, Guardian Elite Home.
Developed specifically for wildfire-prone areas in Colorado and California, the programme offers brokers an alternative in markets where property insurance options are limited.
Homeowners in these regions face increasing difficulties in finding affordable and reliable property coverage, and agents often encounter challenges in securing policies for their clients.
Guardian Elite Home was created to address this gap, providing an option in areas where traditional carriers may be reluctant to underwrite.
The programme is designed for higher-value properties and offers broad coverage that goes beyond basic protections.
“Homeowners in California and Colorado are facing a crisis of availability and affordability when it comes to property insurance, and agents are facing an impossible situation — trying to protect clients whose properties carriers won’t touch,” added Pat Blandford, Founder & CEO of Green Shield Risk Solutions.
“Guardian Elite Home was created to fill that desperate need. Our mission is to make the world more insurable, starting with solutions that give agents the power to step in where others have walked away.”
Guardian Elite Home is available to appointed retail agents as a non-admitted product backed by Lloyd’s of London A+ paper. It integrates Green Shield’s proprietary wildfire analytics platform, Property Guardian, with the company’s underwriting expertise to provide coverage for homes in regions often considered difficult to insure.
The programme includes comprehensive dwelling coverage with replacement cost options, protection for other structures and personal property, and coverage for additional living expenses.
It also offers liability protection suited for higher-value households and features aimed at wildfire risk, including debris removal, landscaping restoration, and guidance for risk mitigation. Coverage can be extended to primary, secondary, and vacation residences, providing options for homeowners in areas with heightened wildfire exposure.
Guardian Elite Home offers a targeted solution for agents and homeowners navigating a restrictive property insurance market, enabling access to coverage that may otherwise be unavailable.
