Family painting at home.

Homeowners

Whether you own your home or condo, or you rent, Personal Finance Center's homeowners insurance is a vital part of your personal finances. This policy provides coverage for your damage to the structure of your property, coverage for your personal belongings, and liability coverage which pays for bodily injuries and property damage to other people, if you are liable.


These are the elements of PFC's insurance protection for homeowners:

For Your Home

Your house is covered for any type of damage with the exception of a few common exclusions listed in your policy, such as normal wear and tear, floods, nuclear hazards and landslides.

For Personal Property

Typically, your on-premises personal property is covered for damage resulting from the following:

  • Fire and lightning
  • Windstorm or typhoon
  • Earthquake
  • Explosion
  • Riot or civil commotion
  • Aircraft and vehicles
  • Sudden and accidental damage from smoke
  • Vandalism and malicious mischief
  • Sudden and accidental discharge of water or steam from plumbing, heating, air-conditioning system or from appliances
  • Burglary and house break-in


Personal Liability

Your coverage will pay for bodily injuries to other people or damage to their property, if you are liable, when the damage is caused by the following:

  • Use of your premises, including swimming pool
  • The acts of your pet
  • Unintentional acts by you or a member of your household.

Also, this coverage will pay for medical payments of other people injured on your premises, regardless of liability, up to certain limits stated in your policy.


Home is where you heart is, and PFC Insurance wants to help you protect it. For more information about Personal Finance Center homeowners insurance or to purchase your customized policy, please visit our locations in Tamuning or Dededo.

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