Home Owners and Renters

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Home Owners

Get Guam's most comprehensive, value driven policy to protect and secure your investment against damages due to:

  • Acts Of Nature:
    • Fire and Lightning
    • Smoke
    • Earthquakes
    • Typhoons
  • Events:
    • Damage from Aircraft
    • Damage from Vehicles
    • Explosion
    • Falling Objects
  • Crimes:
    • Riots or Civil commotion
    • Vandalism
    • Malicious mischief
    • Burglary
  • Accidents:
    • Sudden tearing or bulging of heating or cooling systems
    • Accidental discharge from plumbing or visater overflow

What other benefits are induded in a Homeowner policy?

Personal Liability

Protection from possible legal suits arising from persons being injured through your negligent acts on or off your premises. Standard limits are at $20,000 but you may increase this limit to as much as $100,000.

Medical Payments to Others

This coverage pays for medical expenses for someone who is accidentally injured on your property or accidentally injured by you or relatives who live with you. Limits for this coverage are at $500 for each person and $1,000 for each occurrence.

Temporary Living Expenses

Calvo's will pay up to 5% of the sum insured on the dwelling to compensate for your cost of living allowance if you are unable to live in your home due to all peril insured against.

Debris Removal

Covers reasonable expenses to remove damaged property following a covered loss.

Removal / Relocation of Personal Property

This benefit covers reasonable expenses if you need to move your personal property to another location. following a covered loss.

Temporary Repairs

Calvo's covers the cost of temporary repairs incurred to protect your property from further damages.

Renter's Insurance (Contents)

As a renter or owner of a condominium, home, or apartment you may protect the items of spedal value. You can have similar coverage for your contents as you would have under a homeowner's insurance policy.

Contents Special Limits

The amount of coverage is determined by the policy you select except for the following personal property that have special limits:

  • Money, bank notes. coins - $100
  • Securities, stamps, and deeds - $500
  • Watercrafts and equipment - $500
  • Cameras, projectors or other equipment - $200
  • Burglary of jewelry. watches and furs -$500

What about optional coverage's?

Homeowners can customize their policy with these coverage options:

  • Personal Property Insurance Protects the contents of your home (Furniture, Fixtures, Appliances, Electronic Equipment, and most personal belongings) from the perils covered under the policy.
  • Tidal Wave, Flood, High Water or Overflow Will protect your home damages caused by the rising of navigable waters.

What about limitations?

Policies contain certain limitations and exclusions that can be modified by the policyholder and customized to fit your specific coverage needs. Calvo's staff will be happy to specify and clarify your policy.