We put our customers first
Service is at the heart of everything we do. That's why Guaranteed Rate Insurance customers gave us a 98% customer satisfaction rating.2 Our team will help you through the insurance process, every step of the way.
The Guaranteed Rate Foundation provides customized financial support to those working to overcome extraordinary hardships.
Who we are
Guaranteed Rate Insurance was established in 2008 by Guaranteed Rate, Inc. President and CEO Victor Ciardelli, and is one of the fastest growing independent insurance brokerages in the country.
Licensed in 46 states, our team of Expert Agents is ready to help you, no matter where you're located.
Get insurance at a great rate
We work with over 40 carriers to find the right policy for you. Our team of Expert Agents will help you compare policies to find the right insurance coverage for your home, car, or even your business, at a great rate!
Guaranteed Rate Insurance and the Guaranteed Rate Foundation are working together to give back.
Over $5.5 million has been donated to more than 400 families.
Not sure what you're looking for?
Whether you're searching for new insurance or need to update an existing policy, we can help!
Whether you're searching for new insurance or need to update an existing policy, we can help!
Not sure what you're looking for?
© 2026 Rate Insurance. All rights reserved.
Rate Insurance, LLC is licensed in all 50 states (d/b/a Rate Insurance Agency, LLC in California (License 0K09890), Michigan, Minnesota, North Dakota, New York and Texas).
The people at Rate Insurance are phenomenal! They made the process of getting coverage so easy and completely stress-free. Their professionalism and responsiveness were great. I highly recommend them for anyone looking for hassle-free insurance.
-Elise P.
Staff was extremely knowledgeable and helpful throughout the process, starting with a quick turnaround with a quote, recommending the best option for my needs, through implementing the policy. Thank you!
-Mark S.
The Rate Insurance team provided multiple insurance options- I was able to compare to insurance rates I found on my own. I appreciated this transparency and the ease of working with them.
-Erick U.
Here's what our customers have to say
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Why Physicians Need Umbrella Coverage
Ready to protect your home and save?
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Physicians face elevated liability risk due to income, visibility, and asset growth. Umbrella insurance provides an extra layer of financial protection against lawsuits, accidents, and unexpected events.
Protection for personal liability exposures
Options spanning $1M–$10M+ in coverage
Alignment with financial planning and risk tolerance
Coverage Designed Around Physician Lifestyles
What You Get with Rate Insurance
- Clear guidance on coverage levels and exclusions
- High-limit coverage tailored to physician wealth-building stages
- Coordination with home, auto, rental property, and specialty vehicle policies
- Independent comparison across our network of 100+ trusted carriers
- Support as your career and financial picture evolve
Umbrella Insurance
for Physicians
Protect more. Save more. Stress less.
Protect the career and assets you've worked hard to build. White Coat Investor and Rate Insurance bring physicians access to tailored umbrella insurance options that extend liability protection far beyond standard home and auto policies.
Need to speak with an agent faster? Give us a call
Need to speak with an agent faster?
Give us a call
Need to speak with an agent faster? Give us a call.
or send us an email directly
or send us an email directly