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Don’t Let A Claim Rain On Your Parade
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Homeowner’s coverage doesn’t have to be difficult to understand. A basic Tomorrow Homeowners Insurance Policy will cover the following:

  •  The structure of your home

  •  Replacement costs

  •  Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability)

  • Auto Insurance – Get the right insurance coverage for your car, truck, van, or other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

The insurance protection you need when you’re on the move:

  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

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Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.


Calvo’s Insurance was founded by the late Edwardo T. Calvo as a sideline business in 1938. Mr. Calvo was the Assistant Manager of the old Bank of Guam when he started the small insurance operation in his name. He signed an insurance agency agreement with the late Jack Smith, one of the original partners of Cornelius V. Starr, founder of the American International Group (AIG), a company which now operates in over 150 countries and territories around the world and has become the largest commercial insurer in the United States.

Mr. Calvo’s insurance operation was interrupted for three years by World War II. Following the liberation of Guam in 1944, E. T. Calvo resigned his position with the Bank of Guam, which was then taken over by the Bank of America, and reestablished his insurance agency. His small agency grew progressively over the years. Today, Calvo’s Insurance is the island's oldest and largest insurance company with two separate divisions handling both the Property & Casualty and Life & Health operations of the insurance arena. In addition, Calvo’s Insurance maintains offices in Dededo, Saipan, Palau and the Philippines.

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