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Property & villa · Indonesia

Earthquakes happen.
So do floods.

Indonesia sits on the Ring of Fire and Jakarta floods every rainy season. Compare home and villa policies that actually cover what you'll claim — indicative premiums from Rp 1.5M/yr.

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What you're insuring against

Indonesia's real risks.

Most basic policies exclude the things most likely to actually happen. Here's what to look for.

01
Earthquakes
Often a paid rider, not standard. Critical in Bali, Yogya, Padang.
02
Floods
Annual reality in Jakarta. Make sure river/rain flooding is named.
03
Burglary
Standard in most plans, but check sub-limits on valuables.
04
Fire & electrical
Universal cover. Pay attention to wiring-age clauses on older homes.
The plans we compare

5 property plans, side-by-side.

Each starting price names the sum insured it assumes. Premiums are worked from the published OJK fire tariff and MAIPARK earthquake rates — indicative, not quotes.

A
ACA Asuransi
ASRI
Entry
From
Rp 2.75M/yr
Rp 1bn sum insured
Best for: Local homeowners
  • Packaged home product
  • EQ Zone 4 + flood included
  • Contents can be added
Watch outIndicative premium from published tariff math · EQ carries fixed 2.5%-of-sum-insured deductible
Compare ACA Asuransi quotes
Compared · public data
A
Allianz
RumahKu Plus
Popular
From
Rp 1.9M/yr
Rp 1bn, before add-ons
Best for: Owner-occupied city homes
  • Retail home package
  • Fire + theft as standard
  • EQ & flood add-ons available
Watch outOwner-occupied only — renting it out voids cover · Max 3 floors, Class 1 construction
Compare Allianz quotes
Compared · public data
S
Simas Insurtech
Home
Entry
From
Rp 1.5M/yr
indicative
Best for: Digital-first homeowners
  • Fully online purchase
  • EQ, flood & theft included
  • Instant policy issue
Watch outRetail policy — no rental use · Class 1 construction only
Compare Simas Insurtech quotes
Compared · public data
V
Villa PAR (broker-placed)
Property All Risks + EQ + PL
Premium
From
Rp 8M/yr
Rp 3.5bn rebuild, Badung
Best for: Expat villa owners & leaseholders
  • Works for leasehold & PT PMA villas
  • MAIPARK EQ policy attached
  • Public liability included
Watch outIndicative premium — broker quotes vary by construction & access · Wood / alang-alang must be declared (~2× rate)
C
Commercial villa package (broker-placed)
PAR + EQ + Loss of Rent + PL
Specialist
From
Rp 15M/yr
Rp 5bn villa
Best for: Airbnb & rental villa operators
  • Rated as sub-3-star hotel — rental use fully declared
  • Loss of rent (BI) section
  • Guest liability Rp 1–2.5bn
Watch outIndicative premium — rated ~3× dwelling tariff · Unoccupancy clause still applies between bookings
Same 5 plans as our comparison table. Starting prices are indicative entry-level premiums from public insurer pages — the real premium depends on your age, plan level and underwriting. No insurer pays for its position in this list.

InsuranceIndo is a comparison platform, not an insurer or broker. Figures are indicative; the final premium comes from the licensed insurer after underwriting. We may earn a fee from partners — how we make money.

Bali villa angle

Renting it out? You'll need more.

Standard property cover assumes you live there. The moment you list on Airbnb or Booking.com, most policies invalidate without a "short-term rental" rider.

  • Guest accidental damage cover
  • Lost-rental-income while repairs happen
  • Public liability for pool & terrace injuries
  • Theft of guest belongings (separate sub-limit)
Indicative, from
Rp 15M/yr
PAR + EQ + Loss of Rent + PL · Rp 5bn villa, rented out

Common questions.

Do I insure the building or the rebuild cost? +
Insure the rebuild cost — the cost to reconstruct from foundations up. This is usually less than market value (which includes land). For a Rp 5B Bali villa, rebuild may be Rp 2–3B.
My building is leasehold — am I still liable? +
Yes. Most leasehold contracts require the lessee to insure structural damage and contents. The leaseholder owns the improvements during the lease term.
Are domestic helpers covered if injured at home? +
Personal liability cover usually includes injury to staff working at your home. Confirm in policy schedule. Some plans exclude staff and require separate "domestic worker" cover.
How does flood cover actually work? +
Most insurers in Jakarta will cover river/rain flooding but exclude tsunami. Read the definitions carefully — "named perils" plans cover only what's listed; "all-risk" plans cover everything except what's excluded.

Protect the place.

60-second form. A real human replies same day with quotes from OJK-licensed insurers — earthquake and flood wording checked.

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