Protect you and your family against the unexpected.

From your home to your health, we've got all of your insurance needs covered.

Insurance for
what matters most

It's more affordable than you think.
Get a quote from our friendly experts.

We partner with the top insurance providers.

With over 14 years' experience and exclusive partnerships, we'll not only get you the best coverage but also get you the best rates.

Peace of Mind

Get the coverage you need
and get back to enjoying what you love.


Select an Insurance Type:

Auto Insurance

Auto insurance policies are designed to cover vehicle repairs and medical expenses in the event of an accident. Forty seven states require that you have at least a minimal car insurance policy. Our friendly agents will help you understand what your state requires you to have and what additional coverage will help to protect you further.

While your state may require a minimum amount of insurance, that doesn't mean that's exactly what you should purchase. Most motorists actually purchase more coverage than required so that they are covered for a variety of issues.

Policy Types: Collision, Comprehensive, Liability, Uninsured Motorist Coverage, Personal Protection, Medical Payments
Upgrades: Rental Reimbursement, Sound System, Towing & Labor
Standard Discounts: Passive Restraints, Anti-Lock Brakes, Anti-Theft Device, New/Economy Car
Additional Discounts: Full-Pay, Early Signing, Multiple Policies
Liability: $20,000 - $5,000,000
Deductible: $0 - $1,000

Other Insurance Types:

Health Insurance

Health insurance helps protect you from high medical care costs by covering part of your expenses when you need medical care. Nobody plans to get sick or have an accident, and having health insurance will ensure you only pay a small portion of those high medical bills. A unique benefit of health insurance is that it can actually help you stay healthy, as many policies cover 100% of preventive care services. You may also get a tax credit to help pay your monthly insurance premium, plus under the health reform law, almost everyone needs to have health insurance.

There are quite a few coverage options available and we're here to help you find the one that’s right for you and your family’s needs, as well as budget.
Deductible: A plan with a high deductible will have lower monthly payments. However you'll pay more upfront when you need care.
Coinsurance: Normally, the lower a plan's monthly payments, the more you'll be paying in coinsurance.
Copays: If you visit your doctor or pharmacy frequently, you may want to select a plan that has a low copay for doctor visits and medication.

Standard Policies: Major Medical, Qualified Health, Catastrophic
Additional Policies: Short-Term Health, Gap Insurance
Coverage Options: Silver, Gold, Platinum
Coverage Begins: 15 - 45 Days
Out of Pocket Costs: Deductible, CoInsurance, CoPay
Normal Deductibles: $500 - $1,000
High Deductible Plans: $1,250 - $2,500 deductible

Other Insurance Types:

Life Insurance

A life insurance policy can buy financial security for your family, relatives and loved ones. It's an important decision to make if you have family, especially young children, who rely on you and your income. If you need protection for a set period of time, you should choose a Term Life policy. For lifetime coverage, a Permanent Life policy would best meet your needs. Get additional piece of mind knowing that life insurance payouts are generally income tax-free.

Term insurance is the most affordable type of life insurance, as it's tailored to meet temporary needs. It provides protection for a set period of time (the term) and you're only eligible to receive a payout during that term. (It essentially expires) This type of policy is ideal when your coverage needs will disappear at a specific time in the future, such as children graduating or paying off your mortgage. Permanent insurance is designed to provide lifelong coverage, as long as you pay your premiums. Because it is designed to last long-term, permanent life insurance also accumulates cash value. Depending on your needs, a combination of both term and permanent insurance is often the best solution.

Plan Types: Term, Permanent Life, Universal Life, Variable Life, Participating Life
Features: Guaranteed Rates, Pay for Limited # of Years
Options: Waiver of Premiums, Critical Illness, Terminal Illness
Coverage: $50,000 - $5,000,000
Payouts: Lump Sum, Family Income

Other Insurance Types:

Dental Insurance

Dental care is not simply about preventing cavities, it’s also a vital part of your overall health. When you take care for your teeth & gums, your whole body enjoys the benefits. Having a dental insurance plan will ensure you and your family receive the dental care you need at prices you can afford.

Select a dental plan that’s right for you involves many considerations, including the total people in your family and their age. Another important factor to consider is if anyone in your family needs orthodontic care. Some dental plans offer low copays, while others provide you with discounted services. Whether you select a dental insurance or a dental discount plan, you’ll have access to a vast network of dental professionals. With a dental insurance plan, you pay co-pays, premiums and/or deductibles, while the insurance company pays the remaining amount directly to the dentist. With a dental discount plan, you receive discounted rates for services from participating dentists, and you pay these discounted rates directly to the dentist.

Plan Types: Indemnity, Managed-Care, Dental PPO
Standard Services: Checkups, Cleanings, Fillings
Optional Coverage: X-rays, Oral Surgery, Dental Implants
Filling Coverage Begins: 3-6 months
Specialized Services: Orthodontia, Periodontal Treatments, Veneers, Bonding, Dentures
Repayment Methods: Direct Reimbursement, UCR, Capitation
Yearly Maximums: $1,000 - $2,000

Other Insurance Types:

Burial Insurance

Losing a loved one is a difficult and trying experience. Many do not expect to also have to deal with the high costs associated with honoring the memories of a loved one. The costs can run into thousands of dollars and may place unnecessary stress and financial strain on top of coping with a loss. These policies are designed for the purpose of protecting ones family from an unexpected financial burden, and almost anyone can qualify for a policy.

This type of coverage is a great option for those who may not be able to afford or wish to pay high premiums for life insurance, but who don’t want to leave a large financial burden with their families when they pass. Ensure your loved ones don't have to worry about costs when the only thing they should worry about it honoring you in the best way possible.

Coverage: $5,000- $20,000
Qualifications: Eligibility up to the age of 85
Benefits: No medical Exam
Premiums: Premiums never change
Payout Value: Policy accumulates cash value

Other Insurance Types:

Home Insurance

Your home is most likely your largest investment, ensure it's protected. Most mortgage holders require you to have home insurance, but even if they don't, it's still a smart move. A homeowners policy will cover damage to your home and/or personal property due to a variety of causes. The personal liability portion of a homeowners policy provides additional coverage, for example for injuries to visitors.

Every home insurance policy provides different protection, but standard policies provide a few basics: Broad coverage against damage to your home and permanent structures on your property. Damage to personal property due to specific causes outlined in your policy. Coverage for personal liability that may arise as a result of being a homeowner. Coverage for extra costs you may incur as a result of a covered loss, such as hotel stays.

Policy Types: Basic Form, Broad Form, Special Form
Discounts: Deadbolts, Fire Extinguishers, Alarms, Smoke Detectors
Options: Content Insurance, Replacement Cost with Appraisal
Upgrades: Umbrella or Excess Liability Policies
Coverage: $100,000 - $10,000,000

Other Insurance Types:

Renters Insurance

The landlord's insurance policy may cover your building, but it won't cover the item's inside your dwelling, or your legal liability. If you add up the value of all of your property - computers, electronics, kitchen items, clothes, furniture, it quickly amounts to thousands of dollars. Think about your personal belongings in case of theft, fire, or even a simple water leak...could you afford to replace them? With most policies costing less than a dollar a day, it's a small price to pay to save you thousands in case of the unexpected.

A renters insurance policy provides property coverage against a number of causes, including: fire/lightning, windstorm/hail, frozen pipes, theft, vandalism, impact by a vehicle. The following personal items are covered in your policy: appliances, computers, personal electronics, furniture, clothing, kitchen ware, sports equipment, and other personal items, even when they are not located at your house or apartment. For valuable items such as jewelry or artwork, the no deductible protection of a personal articles policy may be best suited. Additionally, if someone is injured in your home and you're alleged to be legally responsible, renters insurance can help protect you in the case of a liability lawsuit.

Policy Types: Tenants Form, Condominium Unit Owners Form
Coverage Level: Actual Cash Value, Replacement Cost
Discounts: Bundle Discounts & Multiple Policies
Property Coverage: $30,000 - $100,000
Liability Coverage: $100,000 - $1,000,000
Deductible: $500 - $1,000

Other Insurance Types:

About Us

Insurance Guideline specializes in getting our clients the best quotes for all of their insurance needs. Over the years we've developed exclusive partnerships with some of the top insurance companies in the industry. We match our clients with the best provider at the lowest cost. Unlike our competition, we don't just get you the best price, we also work closely with you to get you the best coverage for your needs. Everyone's insurance needs are unique, and your coverage should be too. We focus on getting to know our clients so we can put together the perfect insurance policies for them. With over 14 years of industry experience, and top notch partners, we offer unmatched expertise and value to our clients. This is why our clients come back to us again and again, for all of their insurance needs.


We have over 14 years of experience in the competitive insurance marketplace, in a variety of insurance types. Our team of experts is ready to help you find your next insurance policy.

Customer Care

We take the time to learn about our clients' unique insurance needs to ensure they get the right coverage. We're always available to answer your questions via our toll free number and email.

Attention to Detail

Getting the right coverage is all in the details. To ensure you have the proper coverage, we go over all the details of your policy with you, so you know exactly what's required by local law, what's covered by your policy, and any deductibles and coverage limits.

Best Rates

Once we've identified your policy needs, we find you the absolute best rates through our top tier insurance partners.


See what our clients say...

We had just bought a house and had a lot of insurance needs. We didn't really know where to start, but one of your agents walked us through everything and answered all of our questions. And then they provided us with some great quotes, much lower than we expected. Thank you for a great experience!

Jennifer & Mike, Michigan
5,294 satisfied customers
7 types of insurance
$7M+ in savings
14 years of experience

It's FREE!

* *