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Experience your own dedicated insurance specialist with the expertise to support your home.

Guardian Insurance made personal

Experience your own dedicated insurance specialist with the expertise to support your family.

Get an affordable homeowners insurance quote online.

Home sweet home, it’s where your heart is-and is one of your most important assets. The Ria Murray Payne team can help you get the affordable home insurance coverage you need. Combining your home and auto insurance policies could save you time and money. If you currently carry homeowners insurance with another company, you may gain even more savings by getting a quote and switching. Get a homeowners insurance quote.

What does a homeowners insurance policy cover?

Personal property

Personal property insurance coverage pays to repair or replace furniture, clothes, electronics, appliances, tools, power equipment, and other belongings if they’re destroyed in a covered occurrence.

Property Damage

Dwelling coverage can pay to repair or rebuild your house and other structures caused by fire, wind, storm, landslide, falling trees/limbs, mudslides, roof damage, and other covered perils.

Temporary Accommodation

If you’re unable to stay at home during repairs due to a covered loss, temporary living expenses (also known as “loss of use” coverage) can pay for additional living expenses above what you’d typically pay, up to your policy’s limits.

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We believe in being open and transparent in who we are. It’s more than just words to us, it’s our way of life.

Insurance with Guardian Life

Home Insurance

Guardian Life home insurance is more than quality coverage for your space its coverage for your assets. Get home insurance built to protect your home.

Medical Insurance

At Guardian Life we’re all about supporting better health. Better health for individuals, couples and families. Find health insurance that’s right for you

Life Insurance

Guardian life insurance means providing  your family with financial assistance if you pass away. Get a  hassle free life insurance quote today.


The monthly and annual premium of each person will differ because it depends on their
financial needs, their health and life style status and their ability to pay.

Life insurance (The moment you sign up to $500,000 automatic coverage) Critical illness
insurance – coverage is paid after 3months.

If a client withholds information during the application process, the claim can be denied due

Smoking and Illicit drug use

Your policy would still be enforced. Premiums not paid for three (3) months, then have a 30day grace period before lapsing.

If the plan is NOT a term policy, it will accumulate cash values after three years or one year depending on the type of policy you have.

You will still have coverage as long as you continue paying for it.

A change of beneficiary form needs to be done.


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Need something more tailored? Talk to a business specialist

Need something more tailored? Talk to a business specialist