Claiming Home Insurance For Landslide Damage In Japan – Living in Japan as a foreigner, you may face challenges due to culture shock, language barriers, and just plain misunderstanding between cultures. But in addition to these obvious day-to-day experiences, expatriate residents may also have to overcome obstacles during times of stress or disaster. What do you do when you own or rent a property in Japan and something goes wrong? While the best plan is to prepare for the relevant insurance as in your home country, finding and purchasing home insurance in Japan can be difficult, even if you speak Japanese well. Luckily, we’re here to help.
In addition to explaining the basic coverage and costs of typical Japanese home or rental insurance, this handy guide also includes a list of English-speaking insurance companies in Tokyo to help you make the best possible decisions during your stay.
Claiming Home Insurance For Landslide Damage In Japan
When you rent or own a home or business in Japan, you need fire insurance. In fact, many apartments require fire insurance in their lease.
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Simply put, fire insurance covers your valuable possessions against damage caused by fire, smoke, etc. But the good news is that your plan will usually also cover other damages caused by common occurrences such as the following:
The average fire insurance in Japan costs between ¥20,000 and ¥40,000 for 2 years, with a slightly higher price depending on what other options you choose. Of course, you should check with your insurance company for both exact rates and any add-ons to your plan.
Designed to keep your assets safe. The price of your insurance is decided based on the valuables. This figure is set in broad groups with coverage limits, rather than the itemized plan that is more commonly available in other countries
This covers accidents that cause damage inside the home or even in neighboring apartments. Things like an overflowing bathtub, a gas fire when someone leaves a frying pan full of potatoes on the stove, or other accidents.
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This very useful part of the insurance policy in Japan covers you if someone’s property is damaged or they are injured either by your accident or by your negligence. For example, if you get into a bike accident and hit someone on the street, this part of your insurance plan will cover medical expenses and property damage to the other party involved.
Note that some companies insure their international employees living in Japan on a fixed-term contract basis. You should confirm if this is the case for you and ask for more information about what your policy covers. You can still add Japanese fire insurance to ensure you are covered in the event of household emergencies and accidents.
While it may seem like earthquakes should be included in this coverage, in reality, regular fire insurance in Japan does not cover natural disasters. Fortunately, there is an additional insurance option, aptly called earthquake insurance, that can help in dangerous situations.
As you probably already know, living in Japan means that it is necessary to prepare for earthquakes. However, insurance policies in Japan require that fire insurance does not cover damage caused by an earthquake, including fire damage that may spread as a result of an earthquake. Therefore, it is necessary to add additional earthquake coverage to your policy. Note that you can only get this protection as an add-on as it is not sold as a stand-alone product. Japan earthquake insurance guide: simple question and answer
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According to Japan’s Ministry of Finance, earthquake insurance premiums are different in each prefecture, with a minimum cost of around ¥6,500 and a maximum cost of around ¥32,600 per year. See their website for more information.
Earthquake insurance is only intended for earthquake disasters. It covers the loss of your personal belongings (including household goods) and property damage caused by fire, vandalism, landslides, rubble or water damage, assuming all of the above occur as a result of earthquakes, volcanic eruptions and tsunamis.
Please note that your additional earthquake insurance does not cover precious metals, gems and antiques worth more than ¥300,000 per item or set, currency, securities, deposits and savings certificates, tax stamps, stamps or cars.
When renting or owning real estate in Japan, choosing, purchasing and maintaining insurance policies to cover damage, loss, liability, earthquake and disaster damage expenses is very important for your safety and peace of mind.
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We understand that some may choose coverage from companies outside of Japan, but we want to help you make the best policy choices for you and your family in the country you’ll be calling in the coming months or years.
For this, we have compiled a short list of English-speaking insurance companies that can provide general insurance advice, provide an estimate and help you submit all the necessary documents. They will give you a clear understanding of your insurance and all the associated costs so that you can feel comfortable and confident in choosing your insurance coverage.
In this easy-to-follow guide, we’ll cover the different types of insurance offered to home owners in Japan and give you the information you need to choose the right option for your needs.
Conveniently located with Ebisu, Daikanyama and Nakameguro – popular shopping and dining destinations – in the daily living area and good transport links to various places in Tokyo. There are many supermarkets, grocery stores and restaurants nearby, so the location is also nice to live in. The apartment has a total of 32 apartments with types of 1DK-2LDK and has various amenities such as delivery locker, free internet, bicycle parking, and motorcycle parking.
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Located 5 minutes walk from Shinsen station and walking distance from Shibuya station, providing convenient commuting and school. Located in a quiet residential area, this design apartment has beautiful curved lines in its structure. There is a convenience store and a supermarket nearby, so the location is nice to live in. The apartment has unit types 2LDK – 3LDK for a wide range of lifestyles, as well as various amenities such as underfloor heating and a bathroom dryer.
Gotanda Sta. is in 3 minutes. walk. It is very conveniently located next to TSUTAYA. The Meguro River is very close. It has a luxurious entrance and a practical interior. The apartments on the upper floors have wonderful views.
A 13-minute walk from Meguro Station on the JR Yamanote Line. Emblem Meguro Chayazaka is a 4-story low-rise apartment in a beautiful residential area. Ebisu Garden Place is also very close, and the attraction of this location is that you can enjoy a variety of activities from leisure walks to daily shopping. Nakameguro and Ebisu are also within walking distance, so you can fully enjoy the city life you imagined. The construction of Emblem Meguro Chayazaka was completed in June 1985. It has a total of 14 units. There is an automatic locking system, a delivery box and a lift.
A large-scale redevelopment project for mixed-use facilities, including SHIROKANE The SKY, a 45-story condominium with a total of 1,247 units, will begin in an area 3 minutes’ walk from Shirokane-takanawa Station on the Metro Nanboku Line and Toei Mita Line. The Shirokane-takanawa area has continued development with the past and several renovation projects are underway. The area surrounding Shirokane-takanawa station is a town with many colorful shops, such as “Shirokane AER City”, which is directly connected to the station. Facing the tree-lined street are many stylish flower shops, cafes and restaurants. There is also a supermarket nearby with a wide selection of imported ingredients, and such a sophisticated and modern atmosphere brings many kinds of pleasures to everyday life. Damaged houses and infrastructure are seen in a mudslide area caused by heavy rains in Atami, Shizuoka Prefecture. , west of Tokyo, Monday, July 5, 2021. Rescuers wade through mud and debris to search for dozens of missing people after a giant landslide hit a Japanese seaside resort. (AP Photo/Eugene Hoshiko)
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ATAMI, Japan (AP) – Rescue workers dug through mud and debris Monday in a search for dozens of people who may be trapped after a landslide tore through mud, trees and rocks in a Japanese seaside resort town, killing at least four people.
Shizuoka Prefectural Disaster Management Officer Takamichi Sugiyama said 80 people were still missing two days after the landslide. Officials planned to release their names in hopes that some were away when the disaster struck, as many of Atami’s apartments and houses are second homes or vacation rentals.
At first, 147 people were unaccounted for, but the number was revised down after officials confirmed that some had safely evacuated or were simply not home. In addition to the four found dead, according to the authorities, 25 people have been rescued, three of whom were injured.
The disaster is a further test as officials prepare for the Tokyo Olympics, which begin in less than three weeks, when Japan is still
