Living in a Dwelling Owned by Another Person
(i.e. Rental Dwelling)

In general, as well as fire insurance to cover your contents, you will be required to take out personal liability insurance to cover liability towards the owner when you sign a lease agreement with a real estate company or owner to live in a rental dwelling.

When a rental dwelling is damaged by fire or other event covered by your policy, damage to the dwelling is essentially covered by the owner’s fire insurance policy, and therefore you are not required to pay for the damage.
However, you must bear the costs associated with damage to your contents.

In addition, the lease agreement requires that the tenant return the rental dwelling to the owner in its original state when vacating.
Therefore, if you cause damage to the rental dwelling, you may face a claim for damages from the owner.

*If you will live in company-owned housing or a student dorm, please ask your company or school what kind of coverage to get.

To prepare for the risk of contents damage and liability to the owner, we recommend that you purchase fire insurance for rental dwelling

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 fire insurance for rental dwelling

Please consult the real estate agent through whom you rent your dwelling.
Of course, general insurance companies or insurance agents will provide information on insurance, but 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 fire insurance, you are not covered for damage to your 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 fire insurance, we recommend that you purchase earthquake insurance at the same time.
If you already have 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 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.