StayWell Guam Inc.

Buying a home in Guam is a major investment—protecting that investment with the right home insurance policy is crucial. Whether you’re a first-time homebuyer or reviewing your existing coverage, it’s important to understand what’s included in your policy and what additional options are available. Here's a breakdown of essential and recommended coverages every Guam homeowner should consider.

Standard Coverages

• All Other Perils (AOP): Covers such as fire, break-ins, vandalism, and more.
• Contents Coverage: safeguards your personal belongings, such as furniture and appliances.
• Liability Coverage: Protects you from out-of-pocket costs if a guest is injured at your home and you’re held legally responsible.
• Loss of Use: Pays for temporary housing if your home is unlivable due to a covered event.
• Dwelling Coverage: Provides financial support to repair, reconstruct, or replace your house if it's harmed by a covered event.
• Other Structures: Covers concrete guest houses and other standalone structures buildings.

Highly Recommended Add-Ons

• Typhoon Coverage: Protects against wind and storm damage (separate policy).
• Earthquake Coverage: Covers losses from seismic activity (separate policy).

The right Guam home insurance policy protects you from unexpected costs. Be sure to review your coverage yearly and ask our local agents about available discounts.