火災・地震保険Home Insurance
Covered for typhoons, fire and earthquakes.
Japanese home insurance is sold in Japanese, priced by building type and region, and harder to get for an empty house. We work with a wide network of brokers to find cover that fits your home, explain it in English, and handle the claim if something happens.
特長What you get
Why owners choose us for home insurance.
Compared across brokers
We ask several brokers and insurers, then explain the options side by side in plain English.
The right cover for an empty house
Vacant and rarely used homes are treated differently by insurers. We find the ones that will cover yours properly.
Claims handled
After a storm or quake we inspect, photograph everything, deal with the adjuster and get the repairs quoted.
内容What's included
What we take care of.
Choosing cover
- Fire insurance (火災保険): fire, wind and typhoon, snow, water damage — and flood if your area needs it
- Earthquake insurance (地震保険), added to the fire policy
- Contents cover if the home is furnished
- Checking your area's hazard map before choosing
Keeping it right
- Renewal dates tracked and renewed on time
- Premiums paid for you if you'd like
- Cover reviewed after renovation, letting or a change of use
If something happens
- Inspection and photos as soon as it's safe
- Claim filed and the adjuster met on site
- Repairs quoted with photos for your approval
料金Pricing
You pay the insurer, not a markup.
Premiums go to the insurer at their published rate. We'll tell you up front if anything we do for you carries a charge.
- Fire & earthquake premiums
- Paid to the insurer
- Comparing quotes and arranging cover
- Ask us — we'll confirm in writing
- Inspection and photos after a storm or quake
- Included for managed homes
Get a rough premium first
Our insurance estimate gives a ballpark for your building type and area in a minute.
最初の30日 · Your first 30 days
What happens after you sign up.
No long wait and no guessing. Within a month your home has been seen, photographed and written up, and you've agreed a plan for it.
Day 1
You say yes
We confirm your plan in writing and open your owner dashboard.
Days 1–7
Your keys reach us
Handed over in person, sent by tracked post, or collected from your agent or the seller. We message you a photo when they arrive.
Week 1–2
First visit
A full walk-through with photos: every room, the roof line, the garden, meters and anything that worries us.
Within 5 business days
Your first report
The baseline report goes into your dashboard — what's fine, what needs watching, and what needs fixing now.
By day 30
A plan you've agreed
Quotes with photos for anything urgent, your visit dates for the year, and bills set up for us to pay if you'd like.
Home insurance — questions
- Can I get earthquake insurance on its own?
- No. In Japan earthquake insurance is only sold together with a fire insurance policy, and it covers up to half of the fire policy's amount (with caps of ¥50 million for the building and ¥10 million for contents). Because the rates are set on a shared national basis, earthquake premiums are much the same between insurers — fire cover is where the choice matters.
- Can I insure a vacant house (akiya)?
- Usually yes, but not every insurer will, and an empty home may be rated differently from one that's lived in. Regular visits and good records help. We know which insurers in our broker network take vacant and rarely used homes.
- Do I need to be in Japan to take out a policy?
- No. We arrange it with the broker, explain the documents in English, and can pay the premium for you each year. You'll get copies of everything in your dashboard.
お問い合わせ
Tell us about your home.
We reply within 48 hours with a written plan and price. No account needed.