GUARDIONA

Specialisation · III

Home & dwelling protection.

The fabric of the home as a warranty category. Home appliance breakdown, emergency response, landlord portfolios, smart-home cover.

Diagnosis.

A home is not a product. It is a portfolio of products, housed in a structure, consumed over decades. Extended warranty on a single appliance underwrites an item; home-dwelling protection underwrites the relationship between a resident and the fabric they depend on.

The category is high-frequency, low-severity, and long-tenor. It requires infrastructure - a claim path that works at ten on a Sunday night, not at nine on Monday morning.

What we write.

Four groups · four products · thirteen variants

Group 01 - Home appliance breakdown

HAB · Home appliance breakdown Built-in appliance warranty · Integrated kitchen packages

Group 02 - Home emergency

HEM · Home emergency Boiler and heating systems · Plumbing and drainage · Electrical systems · Roof and weather emergency

Group 03 - Landlord & rental

LRT · Landlord and rental Landlord appliance portfolios · Short-let property (Airbnb-class) · Student accommodation

Group 04 - Smart home

SMH · Smart home Smart system breakdown (hubs, security) · IoT device coverage

High frequency. Low severity. Long tenor.

Titanium structural detail, a curving form against pure black.

What we do not write.

Full buildings insurance. The fabric cover, the subsidence risk, the major-peril exposure - written by general-household specialists, not by us.

Contents-only cover. A separate rating basis and a separate claims path. Written as a retail product by retail insurers; we do not compete at that end of the market.

Subsidence. A catastrophic, latent risk with actuarial visibility that is materially different from appliance-breakdown. Written by household specialists whose reserving discipline is shaped for it.

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