The Powderhorn Agency, Inc.  

Brookfield,  CT 
United States
http://www.powderhornagency.com

The Powderhorn Agency is an industry leader in managing residential warranty and protection programs.  As your premier resource for oil tank, septic and home systems protection, we are ready and able to serve your needs.  Our residential programs are endorsed by the New England Fuel Institute, New York Oil Heat Association as well as the Empire State Petroleum Association.

In addition to our residential protection plans, we work closely with major insurance companies to provide commercial entities with property, general liability, auto and commercial storage tank coverage.

Powderhorn began operations in 1999.  The company currently has a staff of over 20 employees servicing our 60,000+ customers.  We’re proud to say that we have over 50 years combined experience in underwriting accounts, as well as handling claims.  We constantly strive to offer the most exceptional and comprehensive protection available in the marketplace.

Brands: ProGuard Oil Tank Protection Program, Pro-Sept Septic Protection Program, ProGuard Plus: A Menu of Home Warranty Products, Commercial Property & Casualty Insurance


 Videos

Proguard Heating Oil Tank Protection
ProGuard Tank Protection

 Products

  • ProGuard Residential
    ProGuard offers residential oil heat customers protection for underground and aboveground oil storage tanks and lines....

  • ProGuard's tank program:

    • has been perfected over several years, drawing on the experiences of over 60,000 oil heat customers
    • is offered on a national basis, at very reasonable rates, to over 500 oil dealers
    • is available to any residential customer with an active oil tank that holds no more than 4,000 gallons, and who receives oil on Automatic Delivery. 

    Endorsements

    • National Energy & Fuels Institute
    • Empire State Energy Association
    • New York State Energy Coalition

    Dealer Benefits

    • No inspections of aboveground tanks required
    • No time consuming record keeping or paperwork
    • No pre-payment of agreements required
    • No minimum numbers of customers required
    • We assign a team including an underwriter contact and claim contact to each dealer
    • All claims handled from our office and are handled quickly and efficiently
    • Requirement for automatic oil delivery increases customer retention
    • New homeowners must continue automatic delivery with the oil provider in order to transfer protection
    • Gas conversion is not allowed
    • Pricing includes fees to the oil provider for an additional revenue stream
    • Free custom marketing pieces
    • Online application can be customized for your customers ease of use
    • Will provide information for website to display as a participating provider
       

    Aboveground Tanks

    Pricing starting as low as $50 per year!*
    Complete the simple enrollment application today to receive your quote! *Pricing may vary based on a number of factors.  Contact ProGuard or complete an application for specific pricing.

    • Coverage for aboveground tanks
    • Oil lines are covered
    • ProActive Tank Replacement when recommended
    • Transferable to an eligible homeowner
    • Must remain on oil in the event of a claim
    • Application for enrollment with no testing required

    Underground Tanks

    Pricing starting as low as $375 per year!*
    Complete the simple enrollment application today to receive your quote! *Pricing may vary based on a number of factors.  Contact ProGuard or complete an application for specific pricing

    • Coverage for underground tanks
    • Oil lines are covered
    • Voluntary tank removal coverage if elected (not available in New York State)
    • Transferable to an eligible homeowner
    • Must remain on oil in the event of a claim
    • Application for enrollment with soil or tank test required 
    Exclusions and limitations apply. See terms and conditions for details. The ProGuard Service Agreement is administered by The Powderhorn Agency, Inc. located at 353 Candlewood Lake Rd., Brookfield, CT 06804, and is provided by National Product Care Company located at 175 W. Jackson Blvd., Chicago, IL 60604.
  • Pro-Sept
    The Pro-Sept Septic System Protection Plan is a residential septic system program that helps to eliminate concerns about the possibility of a system malfunction due to normal wear and tear....

  • Most homeowner's insurance policies do not provide coverage for a septic system in the event of a failure due to normal wear and tear.  A new septic system can cost tens of thousands of dollars! That is where the Pro-Sept Septic System Protection Plan comes in. The residential septic system program that helps to eliminate concerns about the possibility of a system malfunction.

    • System inspected & pumped by approved inspector within 90 days of applying
    • System pumped at least every 3 years
    • More frequent pumping required if recommended by inspector
    • Transferable to a new homeowner

    Endorsements

    • National Onsite Wastewater Recycling Association
    • National Energy & Fuels Institute
    • Empire State Energy Association
    • New York State Energy Coalition

    Program Details

    The Pro-Sept Septic System Protection Plan covers repairs or replacement up to $25,000.

    • Minor repairs are subject to a $500 deductible.
    •  $2,500 deductible for repair or replacement of the leaching system.
    • Up to $2,500 sublimit for repairs or replacement of the septic tank.
    • Protection for brand new systems, with accompanying installation paperwork, is valid for 3 years and covers years 2-3, following the 1-year anniversary of the completed installation. (Builder/installer is responsible for the first year.)
    • Protection for existing systems is on an annual term. The system must be pumped and a visual inspection performed at your expense every 1-3 years, as required.
    • The plan is transferable to a new homeowner.
    • Septic system must be less than 30 years old to be eligible for the program.
    • Major Exclusions:  Negligence, abuse, rust, corrosion, liability to a Third Party, costs incurred in gaining access to or closing access from a covered item, routine maintenance, damage to the physical structure of the residence,  cesspools, seepage pits.  Systems over 30 years of age are not eligible to enroll.
    • Available in the states of: AL, CT, DE, GA, IL, IN, MA, MD, ME, NH, NJ, NM, NY, OH, PA, RI, VA, VT. Available soon in additional states! Contact us for more details.
    septhouse.jpg
    Pricing starting as low
    as $465 per year!*

    Complete the simple enrollment application today to receive your quote! *Pricing may vary based on a number of factors. Contact Pro-Sept or complete an application for specific pricing.

    Inside a Septic System

    A septic system generally includes an underground septic tank, a drainfield, and underground piping. Wastewater flows into the tank, where sludge settles in the tank bottom, and wastewater passes through to the drainfield, where it is absorbed into the earth beneath your property. Septic systems are not connected to a municipal sewer system.

    Periodic inspection and maintenance are necessary to ensure proper functioning and remove the sludge that collects in the septic tank. Homeowners must also take care not to dispose of hazardous household waste in sinks or toilets. 

    In most states when you sell your home, the septic system must pass inspection and be in good working order.

    Septic System Diagram 

    In the Event of a Septic System Malfunction...

    If you have a problem with your septic system, one call starts the process. We will alert a qualified service professional and brief them on your problem. You will be given the contact information for that company, so that you may arrange a convenient date and time for them to assess the issue.

    Once our claims department receives the servicer’s report, they will review the findings and quickly inform you how the claim will proceed.

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