We know your home is the biggest investment you’ll make for you and your family. That’s why we are committed to providing you full home insurance coverage with the best rates on island. We offer discounts for installed Typhoon Shutters, Smoke Detectors, Alarm Systems, and more! Our friendly and experienced home insurance staff will assist you with the most affordable home protection you deserve.


Please Visit Us at one of our convenient locations in Hagatna or Dededo, Contact Us, or with us today for all your insurance needs!

Comprehensive Homeowners Insurance Policy

Our Homeowners policy meets the Guam Homeowners Insurance Policy requirement. Mentioned below is a brief overview of what we offer under a Homeowners policy:

  • Fire/Lightning
  • Typhoon & Earthquake
    • Earthquake coverage is automatically included.
    • Cover your personal contents from typhoon damage as an option.
    • Low deductible on typhoon & earthquake coverage for the building & contents.
  • Personal Liability
    This coverage protects you, the home owner, from possible legal suits arising from personal injury to others while on your property. This coverage extends beyond your premises, as long as you are on Guam; your personal liability coverage will protect you from any legal suits you are legally liable for. Standard limits are at $20,000, but you may increase this limit to as much as $100,000.
  • Medical Payments (other than insured)
    As the personal liability coverage protects you against lawsuits that you are legally liable for, the medical payments coverage covers you for the expenses for medical treatments to others than yourself. Limits for this coverage are at $500 for each person and $10,000 for each occurrence.
  • Temporary Living Expense
    You will receive 10% of the sum insured on the dwelling to compensate for your cost of living allowance if you are unable to live at home due to loss of all the peril insured against.
  • Burglary
  • Vandalism & Malicious Mischief
  • Extended Coverage- Smoke Damage, Falling Aircraft/Objects, Vehicle Damage, Explosion
  • Other Perils- Bursting Pipes, Riot & Strikes


Optional Coverage

  • Personal Property
    Protects the contents of your home (furniture, fixtures/appliances, electronic equipment, and most personal belongings) from the perils covered under the policy.
  • Renters Insurance
    As a renter or owner of a condominium, you may not be able to insure the structure, but you can have similar coverage for the “contents of your home” as you would have under a Homeowners insurance policy.
  • Typhoon
    Protects your home or building structure from a loss caused by Typhoon damages or peril. The insurance company will essentially restore your home back to its original condition before the typhoon.


Discounts on Your Homeowners Policy


  • Up to 60% OFF Auto & Home Insurance Premium
  • Extended Payment Plan
  • $5,000 Personal Accident with Worldwide Coverage
  • $5,000 Personal Contents Insurance
  • $1,000 Auto Medical Payment
  • $100,000 Personal Liability


Receive a 10% discount on your Homeowners/Fire Insurance Premium if you install a smoke detector fire safety system or burglary alarm system in your home.


Receive a 10% discount on your Homeowners/Fire Insurance premium if you install commercial windstorm proof graded shutters on all your windows.


Receive a 10% discount off your Homeowners/Fire Insurance premium for signing up for a 3-year policy term with ALPHA.


*Restrictions Apply. All properties to be insured are subject to inspection before approval. Visit or call ALPHA for more details.


Quick Quote

With our 5-minute Quick Quotes form, you can receive a FREE Price Quote for your Auto or Home insurance. Just select the type of quote you would like below, fill out the required information, click “Get My Free Quote”, and you’re done! It’s that quick and easy! You will be surprised at just how much you can save when you insure with Alpha Insurers.


If you have any questions please Contact Us today, or Visit Us at one of our convenient locations in Hagatna or Dededo.


Please click on the type of price quote you would like receive:





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