Take advantage of our low insurance rates and experience our professional, friendly customer service.
At Alpha Insurers, our trained home insurance professionals can customize an insurance package to your needs. With over 45 Years of Trusted Service in Guam, be Worry-Free and have Peace of Mind that Alpha Insurers will give you the best comprehensive protection you need at an affordable price. Alpha Insurers, always Protecting Your Good Things in Life.
Please Visit Us at one of our convenient locations in Hagatna or Upper Tumon, or Contact Us today for all your insurance needs!
How to Get the Best Value for Your Dollar
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. Our friendly, experienced, home insurance staff will assist you with the most affordable home protection you deserve.
Value: Policy, Price, and Service
If payments are an issue, ask us about your easy payment plan whereby you can pay your premium in monthly instalments over a period of 6-10 months! (Some restrictions apply.) You can also sign up for payroll deduction for Gov Guam and private business employees for up to 22 pay periods, at no interest!
Shop and Compare
The cheapest deal isn’t always the best deal. Good insurance value means finding the right price, the best coverage and caring service. When your home repair and contents replacement bills pile up, you need a policy that covers you fully and an insurance company that pays valid claims promptly.
At Alpha Insurers, we will come to know you and your insurance needs. We can customize an insurance policy that’s right for you and your family at an affordable cost.
Review your current insurance coverage.
Will it cover the replacement cost in the event your home is destroyed?
Make it a regular annual procedure to review and update your insurance.
Also remember that insurance on mortgaged property probably only covers the lender with nothing left over for you.
Be aware of your content’s insurance. Does it cover the replacement cost of critical equipment.
Know what your insurance does not cover.
Don’t assume that just because it never happened before, it never will.
- KNOW where your gas, electric and water main shutoffs are and how to turn them off if there is a leak or electrical short.
- IDENTIFY: Look around your house for things that could fall or move. Shaking can make light fixtures fall, refrigerators and other large items move, and bookcases and television sets topple over.
- EVACUATE: If you live in a low-lying coastal area, become familiar with evacuation routes to higher ground and be prepared to evacuate such areas immediately after an earthquake.
Standard Coverage
- Fire/Lightning
- Earthquake
- Personal Liability
- Medical Payments
- Temporary Living Expense
- Burglary
- Vandalism & Malicious Mischief
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Extended Coverage
- Smoke Damage
- Falling Aircraft/Objects
- Vehicle Damage
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Explosion
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Other Perils
- Bursting Pipes
- Riot and Strikes
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Other Perils
Personal Liability
This coverage protects you, the homeowner, 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 in 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
Pays for all medical expenses to any person who sustains bodily injury caused by an accident on your residential premises or tht you may be legally liable for. Limits for this coverage are $1,000 for each person and $20,000 for each occurrence.
Personal Liability and/or Medical Payments to others are subject in ‘policy exclusions’ contained in your homeowner’s policy jacket.
Temporary Living Expenses
You will receive 10% of the sum insured on the dwelling to compensate for your living allowance if you are unable to live at home due to loss of the peril insured against.
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 homeowner’s insurance policy.
1. Discounts for Safety Devices
Receive a 10% discount off your Homeowners/Fire Insurance Premium if you install a smoke detector fire safety system or burglary alarm system in your home.
2. Discounts for Typhoon Shutters
Receive a 10% discount off your Homeowners/Fire Insurance Premium if you install commercial windstorm proof graded shutters on all your windows. 55 discount is given for the use of plywood shutters in the absence of metal shutters.
3. Discounts for Multi-Year Policy
Receive a 10% discount off your Homeowners/Fire Insurance Premium for signing up for a 3-year policy term. This discount is given for the consideration of customers who sign to insure with ALPHA INSURERS for a longer term. Restrictions apply.
*Premium Buster Auto & Home Discount insure your Auto & Home with Alpha and get additional discount.*
Typhoon and earthquakes in Guam caused more than $60 million in damages just in the year 2002 alone.
No matter how many natural disasters we’ve weathered, each one teaches us something to make us better prepared for the next. The most important lesson to keep in mind, is that you can never over-prepare for a typhoon.
Earthquake Coverage is automatically included in a Homeowners policy, but if you want your personal property in your home covered by insurance, you must cover your Personal Contents from Typhoon & Earthquake damage as an option.
- Lower your deductible on Typhoon and Earthquake Coverage with Typhoon shutters.
- Cover your Personal Contents from Typhoon & Earthquake damage as an option.
- Most recent Appraisal Report (within 1-2 years).
- If you are unable to provide an Appraisal Report, we require to do a Physical Inspection of the property.
