Home, fire, and earthquake insurance
Separate building, contents, liability, flood, and earthquake risks.
Fire insurance does not ordinarily cover earthquake-caused fire or damage; Japan’s earthquake insurance is attached to fire insurance and is designed to support recovery, not full replacement.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask the landlord, lender, and insurer to resolve responsibility or valuation uncertainty; seek legal help after a disputed major loss.
Review due: 2026-10-30
Key points
- Owners insure the building; renters usually focus on contents, tenant liability, and personal liability.
- Flood, water leakage, theft, and accidental damage are separate coverage questions.
- Earthquake insurance amounts are statutorily limited relative to fire insurance.
- Check duplicate personal-liability riders across home, auto, and card arrangements.
Match cover to the property and hazard
Confirm whether the lease or mortgage requires cover, who owns improvements, rebuilding cost rather than land value, and local flood and seismic exposure. Read deductibles and the definitions used to grade earthquake loss. Public disaster support is limited and should not be treated as full insurance.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.