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Guardian Risk Managers is pleased to announce the launch of our improved Recreational Vehicle product offerings! Our updated product offerings include:

  • Increased Personal Property limit
  • Increased Emergency Expense Coverage
  • Increased coverage for Fire Department Charges

We have maintained our 3 product types to suit your client’s needs, while adding beneficial coverages to many of the product types such as:

  • Glass & Windshield Repair
  • Bicycles
  • Frozen Food
  • Golf Carts
  • Power Generators & Solar Energy Equipment
  • Watercraft
  • Pet Injury
  • Reward coverage

Please ensure to review the amended policy wordings to familiarize yourself with which coverages are applicable to each product type, as well as familiarizing yourself with the new coverage limits. New policy wordings can be found in the MyGuardian section of the portal.

If you have any questions, please contact our Personal Lines Department by phone or email.

A new way to pay with Guardian Risk Managers Ltd.

We are pleased to announce a new Monthly Payment Plan (PMP) effective April 1, 2017. This will allow your clients additional options and flexibility in paying for their Guardian policies, and provide our broker partners with an added benefit service.

Benefits of Guardian PMP:

  • Low minimum policy premium to qualify for PMP ($250)
  • Your clients can save time and money with the ease of automatic billing from their bank account or credit card

Ways to pay:

  1. Pre-authorized monthly payment plan
  2. Onetime payment in full through most major credit cards or cheque

Please visit to find our FAQs for our new payment options or visit our payment options page.

Updated Manufactured Home Valuation Guidelines

For Replacement Cost and Guaranteed Replacement Cost:

  1. Finished Living Area - $100 per square foot
  2. Finished Garages, Sheds & Workshops - $50 per square foot
  3. Finished Decks & Patios - $25 per square foot
  4. plus $10,000 (single wide) or $20,000 (double wide) for debris removal, transportation and site setup

Minimum Building Limits:

  • Single Wide $30,000
  • Double Wide $50,000

Manufactured Homes Value Estimates

Type Size Width Length Square Feet ACV Estimate RC & GRC @ $100/sq ft*
Single Wide Small 12 40 480 $30,000 or higher $58,000
Medium 14 54 756 $40,000 or higher $85,600
Large 16 68 1088 $50,000 or higher $118,800
Double Wide Small 24 40 960 $60,000 or higher $116,000
Medium 28 54 1512 $80,000 or higher $171,200
Large 32 68 2176 $100,000 or higher $237,600

* In some cases values will be higher based on quality of construction and transportation costs to remote locations. Please consult with a reputable manufactured home dealer or manufacturer for a complete estimate for Replacement Cost.

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Tel: 1-844-531-1841