JANIS T.
Misleading “$100 Gift Card” Offer + 7-Day Quote Delay (One Star)
I contacted Guardian Service for homeowners and auto insurance quotes and sent my declaration pages within the same hour. The process was mishandled from the start and took 7 days to receive a quote. Communication was extremely difficult—I experienced missed call-back appointments and no responses to my messages, which created unnecessary frustration and delays. Sales leadership eventually had to step in, and another agent worked to salvage the situation. I appreciate the effort to move it forward, but it should not have required escalation to get a basic quote. My biggest concern is the marketing. The mailer promised a “$100 gift card” with no obligation to buy or switch, and it included a physical card printed with $100 that looks like a prepaid card (card number/expiration-style formatting) and even says “call to activate.” That presentation clearly suggests you’re being issued a real gift card/prepaid reward. However, what I ultimately received was $100 Amazon credit, and nowhere in the materials I received did it disclose that the reward would be Amazon credit instead of the advertised “gift card.” To me, that’s misleading advertising. Consumers should be cautious: if you respond to this offer, take screenshots/save the mailer and ask for the incentive terms in writing before spending your time. This experience seriously damaged my trust. In the end, they couldn’t beat my current homeowners or auto policies—so after all the delays and back-and-forth, this was a complete waste of time and energy.


