三井住友海上火災保険 Mitsui Sumitomo Insurance
¥30000 /年
- カバータイプ: 火災保険（河西保険）
- 建物の覆い: 再建価値まで；地震＋洪水＋火災
- 目次 表紙: コンテンツの追加オプションが利用可能です
- 主な特徴: MS&ADグループ；包括的な地震＋洪水保険
Compare Home Insurance in Japan
Compare the top home insurance providers in Japan — see cover, features and typical rates side by side.
Live offers
13 live offers compared from 9 providers, from ¥30000 /年. Updated daily.
ソニーソンポホーム保険 Sony Sonpo
¥30000 /年
- カバータイプ: 火災保険（河西保険）
- 建物の覆い: 再建価値まで。あらゆる自然災害の種類。
- 目次 表紙: コンテンツの追加オプションが利用可能です
- 主な特徴: ソニーグループ; デジタル関連の請求; あらゆる災害に対する補償
東京海上葛西保険 Tokio Marine
¥30000 /年
- カバータイプ: 火災保険（河西保険）
- 建物の覆い: 完全再建価値；火災＋暴風雨＋洪水
- 目次 表紙: 追加コンテンツとして入手可能
- 主な特徴: 日本最大の損害保険。地震特約も利用可能。
チューリッヒ葛西保険ジャパン Zurich Japan
¥30000 /年
- カバータイプ: 建物と内容物
- 建物の覆い: 最大1億円
- 目次 表紙: 最大1,000万円
- 主な特徴: 地震補償オプション
あいおいニッセイ同和笠井 Aioi Nissay Dowa
¥30000 /年
- カバータイプ: 建物と内容物
- 建物の覆い: 最大1億円
- 目次 表紙: 最大1,000万円
- 主な特徴: トヨタグループの保険会社
ドコモ保障保険 docomo
¥30000 /年
- カバータイプ: 建物と内容物
- 建物の覆い: 最大8,000万円
- 目次 表紙: 最大500万円
- 主な特徴: ドコモdポイントボーナス
au Sonpo ホーム保険 au
¥30000 /年
- カバータイプ: 建物と内容物
- 建物の覆い: 最大8,000万円
- 目次 表紙: 最大500万円
- 主な特徴: オー・ポンタ・ポインツ
AXAダイレクト 笠井ジャパン AXA Direct Japan
¥30000 /年
- カバータイプ: 内容物のみ
- 建物の覆い: 該当なし
- 目次 表紙: 最大500万円
- 主な特徴: オンライン直販割引
三井住友葛西 Mitsui Sumitomo Insurance
¥30000 /年
- カバータイプ: 建物と内容物
- 建物の覆い: 最大1億円
- 目次 表紙: 最大1,000万円
- 主な特徴: 大手損害保険会社
楽天損保すまいの保険 Rakuten Mobile
¥30000 /年
- カバータイプ: 建物と内容物
- 建物の覆い: 最大5,000万円
- 目次 表紙: 最大500万円
- 主な特徴: 楽天ポイントボーナス
ソニー・ソンポ・カサイ Sony Sonpo
¥30000 /年
- カバータイプ: 建物と内容物
- 建物の覆い: 最大8,000万円
- 目次 表紙: 最大800万円
- 主な特徴: オンライン非生活
アクサダイレクト葛西保険 AXA Direct Japan
¥30000 /年
- カバータイプ: 火災保険（河西保険）
- 建物の覆い: 再建価値まで；火災＋自然災害
- 目次 表紙: コンテンツの追加オプションが利用可能です
- 主な特徴: オンライン限定；仲介手数料なし；競争力のある価格設定
あいおいニッセイ同和火災保険 Aioi Nissay Dowa
¥30000 /年
- カバータイプ: 火災保険（河西保険）
- 建物の覆い: 再建価値まで；火災＋台風＋洪水
- 目次 表紙: コンテンツの追加オプションが利用可能です
- 主な特徴: トヨタグループ；競争力のあるRC価格設定
What is home insurance in Japan?
Home insurance (kasai hoken, literally fire insurance) protects your dwelling and its contents against fire, storm, flood, water damage and theft. Given Japan's exposure to typhoons, heavy rain and earthquakes, cover here is especially important — though earthquake damage requires a separate, government-linked earthquake insurance rider (jishin hoken) that cannot be bought on its own.
How the Japanese market works
Home insurance is a non-life (sonpo) product from general insurers and direct online brands. Mitsui Sumitomo Insurance, Tokio Marine, Aioi Nissay Dowa, Sony Sonpo and Zurich Japan offer building and contents fire policies, with AXA Direct Japan and telecom-linked distributors such as docomo and au broadening access. Fire policies are frequently arranged alongside mortgages, and the standardised earthquake rider is offered on top with premiums set within a national framework.
Benefits
Broad peril cover — protects against fire, typhoon, flood, water leaks, falling objects and theft in one policy.
Earthquake option — the jishin hoken rider adds partial cover for earthquake, tsunami and volcanic damage that fire cover excludes.
Contents and liability — insures belongings and can include personal liability for accidental damage to others' property.
How to choose
Decide whether you need building cover (owners) or only contents (renters), and set the sum insured to the realistic rebuild or replacement cost. Given Japan's climate, confirm typhoon, flood and water-damage cover suits your location, and strongly consider the earthquake rider — it pays a percentage of the fire sum insured. Compare premiums, deductibles, policy length (multi-year fire policies exist) and any discounts for newer or quake-resistant buildings.
Leading providers in Japan
Mitsui Sumitomo Insurance, Tokio Marine and Aioi Nissay Dowa are major domestic non-life insurers with full home-cover ranges. Sony Sonpo and AXA Direct Japan lead the direct online segment on price and convenience, Zurich Japan brings global expertise, and docomo and au distribute cover through their large customer bases.
What it costs
Annual premiums vary with building type, size, location risk and cover level; a representative figure in the market is around ¥30,000 a year for a standard policy, rising for larger homes, higher-risk areas or added earthquake cover. Earthquake insurance premiums depend on region and building structure under the national scheme. Multi-year fire policies and quake-resistant or fireproof construction can lower the effective annual cost.
Protections and regulation
Insurers are licensed non-life companies supervised by the Financial Services Agency (FSA) under the Insurance Business Act, and are backed by the Non-Life Insurance Policyholders Protection Corporation of Japan. Earthquake insurance operates under a special law with government reinsurance, giving it standardised terms and pricing across insurers. Clear policy disclosure and a cooling-off period protect buyers.
Common questions
Does home insurance cover earthquakes? No — standard fire insurance excludes earthquake, tsunami and volcanic damage; you must add the separate government-linked earthquake rider.
Do renters need it? Yes — a contents and liability policy protects belongings and covers accidental damage to the property, and landlords often require it.
The cheapest Home Insurance in Japan is ¥30000 /year from Mitsui Sumitomo Insurance.
Home Insurance in Japan — FAQ
What does home insurance cost in Japan?
Giraffy tracks 5 home insurance products across Mitsui Sumitomo Insurance,Sony Sonpo,Tokio Marine,Zurich Japan,Aioi Nissay Dowa insurers in Japan. The lowest tracked price is ¥30000 /year. Premiums depend on your property type, rebuild or replacement cost, contents value, and local claims history — compare multiple quotes to find the best deal for your specific circumstances.
What is the difference between buildings and contents insurance?
Buildings insurance covers the structure of your home — walls, roof, floors, and permanent fixtures — against events like fire, flood, or subsidence. Contents insurance covers your belongings inside the home. Many insurers offer combined buildings and contents policies, which is often better value than buying separately.
Do I need home insurance if I rent?
As a tenant, you're responsible for insuring your own belongings (contents insurance), not the building — that's the landlord's responsibility. Tenants' contents insurance covers your possessions against theft, fire, and accidental damage. Some policies also cover items outside the home.
What does home insurance typically NOT cover?
Standard exclusions include: general wear and tear, damage caused by pests, mechanical breakdown, and damage due to poor maintenance. Flood and earthquake cover is often sold separately — especially in high-risk areas. Always check exclusions carefully — especially for high-value items like jewellery above a single-item limit.
What is an excess and how does it affect my premium?
The excess is the amount you contribute towards a claim before the insurer pays the rest. A higher voluntary excess reduces your premium. Make sure you could comfortably pay the full excess amount in an emergency.
How is my buildings insurance cover amount calculated?
Buildings cover should reflect the rebuild cost — what it would cost to demolish and rebuild your home from scratch — not the market value. These figures can differ significantly. Many insurers provide online rebuild calculators; a professional assessment is more accurate for unusual or period properties.