Home insurance in Taiwan is offered by 17 insurers covering both buildings and contents, with options from legacy incumbents to price-comparison-native challengers. Compare the rebuild cost (not market value) for buildings cover, and check whether contents cover includes accidental damage and high-value items above single-article limits.
Compare the top 7 Taiwanese home insurance providers, with premiums from NT$3000 /year. Data current as of 23 October 2026 and updated daily from the Giraffy database.
8 live offers compared from 7 providers, from NT$3000 /year. Updated daily.
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Home insurance in Taiwan protects a dwelling and its contents against fire, natural disasters and related risks. It is closely tied to mortgages: lenders require residential fire insurance, and because Taiwan sits in a seismic and typhoon-prone zone, basic residential earthquake insurance is bundled in as a standard, government-supported layer. Beyond the compulsory fire-and-earthquake base, homeowners can add cover for contents, extended earthquake, typhoon and flood, and third-party liability.
Residential fire policies automatically include the Taiwan Residential Earthquake Insurance (住宅地震保險), a pooled, government-backed scheme providing a standard basic sum insured for total collapse, administered through the Taiwan Residential Earthquake Insurance Fund. Because mortgage lenders mandate fire cover, most policies are bought at the point of taking a home loan, often through the lending bank's bancassurance. Homeowners then choose whether to extend cover for contents, higher earthquake limits, typhoon and flood, which are common perils on the island.
Fire protection — Covers rebuilding and repair after fire, the core mandatory cover lenders require.
Basic earthquake cover — The bundled residential earthquake scheme pays a standard sum for total collapse, vital in a seismic zone.
Typhoon and flood options — Add-ons address Taiwan's frequent typhoons and flooding risks.
Contents and liability — Optional cover protects belongings and third-party injury or damage claims.
Pooled earthquake scheme — The government-backed residential earthquake pool keeps basic seismic cover affordable and standardised across all insurers.
Start with the fire cover your lender requires and confirm the bundled basic earthquake sum, then assess whether that basic earthquake limit is enough given your property's value, extended earthquake cover is usually advisable. Add typhoon, flood and contents cover based on your location and belongings. Compare the rebuild valuation basis, exclusions, and premium across insurers, and check whether buying through your mortgage bank or a standalone insurer offers better value.
Non-life insurers such as Fubon Insurance Taiwan and Allianz Taiwan lead on residential fire, earthquake and extended perils. Because home cover is mortgage-linked, banks including the Bank of Taiwan, CTBC Bank, LINE Bank Taiwan, O-Bank and Next Bank distribute policies through bancassurance alongside their home loans, channelling underlying non-life insurers' products to borrowers.
Annual premiums in this comparison cluster around NT$3,000 for a standard residential fire-and-basic-earthquake policy, though the total varies with the property's rebuild value and any extended earthquake, typhoon, flood or contents add-ons. The basic residential earthquake premium is standardised across insurers under the pooled scheme, while the fire and optional elements are priced on the individual property.
Home insurance is a non-life product regulated by the Financial Supervisory Commission (FSC), sold by licensed non-life insurers under Taiwan's life/non-life separation. The bundled residential earthquake cover is backed by the Taiwan Residential Earthquake Insurance Fund, a pooled public-private scheme. If an insurer fails, the Taiwan Insurance Guaranty Fund provides limited protection within statutory limits.
Is earthquake cover included? A basic residential earthquake layer is bundled with fire cover, paying a standard sum for total collapse; higher limits need extended cover.
Do I have to buy it? Mortgage lenders require fire insurance, so most homeowners with a loan must hold a policy.
What about typhoons and floods? These are optional add-ons, advisable given Taiwan's exposure, and are not in the basic fire-and-earthquake base.
Should I buy through my mortgage bank? It is convenient, since lenders require fire cover and sell it via bancassurance, but comparing a standalone non-life insurer can secure wider cover or a better rate on the fire and optional elements.
The cheapest Home Insurance in Taiwan is NT$3000 /year from Fubon Insurance Taiwan.
Giraffy tracks 8 home insurance products across 7 insurers in Taiwan. The lowest tracked price is NT$3000 /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.
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.
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.
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.
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.
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.