5 Things to Know Before Buying Home Insurance in Guam
June 12, 2025
Buying home insurance in Guam is more than just a formality—it's an essential step in safeguarding your home and investment. With risks like typhoons and unique local insurance requirements, the process can seem complex. But you don't have to navigate it alone. We're here to guide you through it, step by step. In this article, you'll learn five important things to know before purchasing home insurance in Guam, so you can move forward with clarity, confidence, and the right protection from day one.
1. Guam's Weather Risks Are Unique
Guam is in a typhoon-prone region. Standard homeowner policies may not cover all these perils—ask our friendly insurance advisors for additional typhoon coverage.
2. Not All Home Insurance Policies Are the Same
Coverage limits, deductibles, and exclusions can differ significantly between policies. Take time to review the details and compare what's included, such as protection for your home's structure, personal belongings, additional living expenses, and liability.
3. Talk to a Local Agent
When you work with us, you're talking to real people who live and work right here on Guam. We will provide you with the best advice to ensure your policy matches your home's exact location and value. Our in-house claims service is also here to support you through every step of the claims process, giving you the confidence that your home is properly protected.
4. Review Coverage Annually
As Guam's real estate market and climate conditions continue to change, so do your insurance needs. Reviewing your policy with our advisors each year helps ensure you stay properly covered.
5. Don't Forget Liability Coverage
Your home insurance should also include personal liability coverage, which protects you if someone is injured on your property or takes legal action against you for damages.
Home insurance in Guam is more than just protecting the structure of your home. It's about being prepared when unexpected things happen. With the right coverage and a team that understands the island's unique challenges, you can move forward with confidence. Reach out today and let us help you create a policy that's ready for whatever comes your way.
Contact us today!
671-477-5091
email: [email protected]
520 Route 8, Maite, Guam 96910