Earthquake Insurance in Japan — Should Foreigners Buy It? (2025)
Standard apartment insurance in Japan does not cover earthquake damage — that requires a separate earthquake insurance policy. Given Japan’s seismic activity, this is not a gap worth leaving open. Here’s how earthquake insurance works and whether you need it. What Standard Renter’s Insurance Doesn’t Cover When foreigners in Japan sign apartment leases, they typically purchase 火災保険 (fire insurance) — often required by the landlord. Standard 火災保険 covers: Fire Water damage (from above-floor leaks) Theft Some accidental damage Standard 火災保険 does NOT cover: ...