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Kasai Hoken (火災保険) is the Japanese term for 'fire insurance'. This type of policy covers damage caused by fires, natural disasters, and even civil liability, whether for owned or rented properties.
While fire insurance doesn't cover renovations, it does include repairs to damaged properties and belongings.
It's one of the most important insurance policies for residents in Japan, particularly for tenants and property owners, ensuring security and protection for both real estate and personal assets.
Most common causes:
The data is contextualized based on annual historical averages and recent media-reported events.
The main benefits are:
It's not legally required, but in some cases you'll need to purchase it - see below:
Note: If you don't purchase it, you may be held liable for property damage and even lose your deposit (Shikikin - 敷金).
Note: Coverage applies to both building and contents. Specific terms vary by insurer - always review policy documents. Standard exclusions include earthquakes (地震保険 required separately), wear-and-tear, and intentional damage.
Not covered by Japan Fire Insurance (Kasai Hoken):
Depends on the policy, but most cover accidental damage caused by tenants (helpful to avoid disputes with landlords).
The cost of Kasai Hoken varies depending on:
Note: Insurance for older apartments may cost more due to higher fire risk.
To purchase Japan Fire Insurance (Kasai Hoken – 火災保険), required documents may vary by insurer and your specific situation, but typically include:
In specific cases, the following will be required
Yes, foreigners can purchase Fire Insurance (Kasai Hoken – 火災保険) in Japan without a guarantor. Unlike rental contracts – which often require a guarantor (連帯保証人) – insurers assess risk based on other criteria:
A guarantor is not typically required for this insurance, but some insurers may request one.
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To file a claim under your Fire Insurance (Kasai Hoken - 火災保険) in case of fire or damage, you must:
Important: Do not make repairs before inspection unless it's an emergency!
Yes, but there may be fees or advance notice required, see below:
The consequences depend on the contract type and situation:
Many banks require fire insurance as a condition for mortgage approval. If you stop paying:
Some landlords require tenants to have fire and liability insurance. If you don’t pay:
In Japan, it is highly recommended to have both types of insurance, as this ensures you’re protected against both common fires and natural disasters, which are frequent occurrences.
Hey are types of insurance related to real estate, but with different coverages and purposes. Here are the main differences:
We’ll check if your fire insurance covers the repairs and maintenance your home needs.