Living in a Dwelling Owned by You or Your Family

If your own dwelling or its contents are damaged by fire, a typhoon, heavy rain or other natural disaster, you must bear repair and other costs associated with the damage.

For example, Japanese law stipulates that even if a fire that originated at a neighboring property damages your dwelling, you may not, as a rule, claim damages against the neighbor.
Accordingly, you must bear repair and other costs for the damage.

To prepare for risks related to your dwelling and its contents, we recommend that you purchase homeowner (fire) insurance

Generally, most general insurance companies provide insurances such as the following.

*Please note that the explanations about the general insurance referred above are based on the Japanese laws and practices. Please also note that the explanations referred above are examples. Actually, they may vary depending on each circumstance.

When you wish to obtain a homeowner (fire) insurance

Please consult the real estate agent through whom you purchased your dwelling, or the bank that holds your mortgage.
Of course, general insurance companies or insurance agents will provide information on insurance.

Before signing a contract, we recommend consulting your acquaintance who is able to understand policy terms and conditions in Japanese.

*A general insurance contract is agreed under certain terms and conditions. Therefore, you need to understand the details of the coverage when you make a contract. Japanese general insurance companies provide their policy terms and conditions only in Japanese.

Recently, various natural disasters have been occurring around the world.
In Japan, earthquakes occur more frequently than in other countries, so it is possible to be affected by an earthquake anywhere in Japan.
However, with only homeowner (fire) insurance, you are not covered for damage to your dwelling and contents resulting from an earthquake.

To prepare for the risk of an earthquake, volcanic eruption, or tsunami, we recommend that you purchase earthquake insurance

*Japan’s earthquake insurance system is jointly operated by the government and general insurance companies. Therefore, there is no difference in coverage and premium rates among general insurance companies.

*Please note that the explanations about the general insurance referred above are based on the Japanese laws and practices. Please also note that the explanations referred above are examples. Actually, they may vary depending on each circumstance.

When you wish to obtain an earthquake insurance

If you plan to get homeowner (fire) insurance, we recommend that you purchase earthquake insurance at the same time.
If you already have homeowner (fire) insurance, you can add earthquake insurance during its period of validity.
Please consult the general insurance company or agent through whom you purchased your homeowner (fire) insurance policy.

Before signing a contract, we recommend consulting your acquaintance who is able to understand policy terms and conditions in Japanese.

*A general insurance contract is agreed under certain terms and conditions. Therefore, you need to understand the details of the coverage when you make a contract. Japanese general insurance companies provide their policy terms and conditions only in Japanese.