Zurich Home Insurance
Protect your home with home insurance that provides comprehensive protection against various risks.
Zurich Home Insurance Product Excellence
Our protection keeps you and your family safe and gives you peace of mind at home. The advantages you get from us include:
- Full protection that suits your home needs.
- Protection for house owner or renter.
- Additional guarantee for natural disaster risks.
What Does Zurich Home Insurance Cover?
Learn about coverage we provide for you:
- Compensation for FLEXAS (fire, lightning, explosion, falling aircraft and smoke)
- Compensation for RSMD (riot, strike, malicious damage)
- Compensation for property theft and burglary
- Compensation for TPL (Third Party Liability)
- Compensation for Personal Accident
Standard Package
| Main Protection | Protection Limit |
| Flexas (fire, lightning, explosion, falling aircraft, and smoke) | 100% of total protection |
| Additional Protection and Benefit | |
| Demolition | Max. of 10% from the property value |
| Personal accident due to fire | IDR 5.000.000/person, max. of 5 persons. |
| Cost of fire extinguishing services | 10% of total protection, max. of IDR 10.000.000 |
| Debris removal costs | 10% of total protection, max. of IDR 20.000.000 |
Maximum Package
| Main Protection | Protection Limit |
| Flexas (fire, lightning, explosion, falling aircraft, and smoke) | 100% of total protection |
| Additional Protection and Benefit | |
| Riot, strike, malicious act, and uproar | 100% of total protection |
| Demolition | 100% of the property value |
| Theft due to fire | 100% of the property value |
| Personal accident (24/7) | IDR 10.000.000/person, max. of 5 persons |
| Third Party Liability | 10% of TSI, max. of IDR 100.000.000 |
| Architect's fee | 10% of TSI, max. of IDR 100.000.000 |
| Rental cost for temporary house | Max. of IDR 5.000.000/month, max. of 6 months |
| Cost of fire extinguishing services | 10% of total protection, max. of IDR 10.000.000 |
| Debris removal costs | 10% of total protection, max. of IDR 20.000.000 |
| Medical expenses due to fire | Max. of IDR 2.000.000/person, max. of 5 persons |
| Losses due to physical impact | Max. of 100% of total protection |
| Vehicle impact | Max. of 100% of total protection |
Home Basic Package
| Protected Risks | Total protected percentage of total insured value | ||
| Home Basic | Home Owner | Home Renter | |
| Fire, lightning, smoke, and explosion | 100% | 100% | 100% |
| Crash | 100% | 100% | 100% |
| Flood, storm, and damage due to water* | 100% | 100% | 100% |
| Earthquake, volcanic explosion, and tsunami* | 100% | 100% | 100% |
| Riot, strike, uproar, and malicious act | 100% | 100% | 100% |
| Burglary/robbery | 100% | 100% | 100% |
| Unexpected damage | 100% | 100% | 100% |
| Landslides | 100% | 100% | 100% |
| Terrorism and sabotage | 100% | 100% | 100% |
(*) Applicable if stated in the policy for coverage extension.
| Risk | Total coverage percentage of the total sum insured | ||
| Home Basic | Home Owner | Home Renter | |
| Temporary accommodation fee | IDR 30.000.000* | ||
| Claim preparation fee | IDR 10.000.000* | ||
| Debris cleaning fee | IDR 25.000.000* | ||
| Fire fighting costs | IDR 10.000.000* | ||
| Architect fees and other professional services | IDR 10.000.000* | ||
| Money | IDR 10.000.000* | ||
| Art items and personal electronic devices | IDR 10.000.000 for each item and in total up to the sum insured | ||
| Optional extra coverage (with additional premium) | Packages | ||
| Home Basic | Home Owner | Home Renter | |
| Building under renovation | x | Total contract value: IDR 50.000.000* | x |
| Tenant expansion | x | x | The total value of the expansion or loss of rental costs is up to IDR 50.000.000* |
| Feng-shui consultation fee | x | IDR 10.000.000* | IDR 10.000.000* |
| Changes in the price of objects | x | IDR 10.000.000* | IDR 10.000.000* |
| Domestic worker protection | x | Cost of treatment IDR 1.000.000/person per accident & IDR 2.000.000* | Cost of treatment IDR 1.000.000/person per accident & IDR 2.000.000* |
| Compensation for death IDR 25.000.000/person for each accident & IDR 100.000.0000* | Compensation for death IDR 25.000.000/person for each accident & IDR 100.000.0000* | ||
| Personal goods IDR 3.000.000 | Personal goods IDR 3.000.000 | ||
| Garden | x | IDR 10.000.000* | IDR 10.000.000* |
| Pet care | x | IDR 5.000.000* | IDR 5.000.000* |
| Transfer of temporary building contents | x | IDR 10.000.000* | IDR 10.000.000* |
| Fee for lost documents | x | IDR 5.000.000* | IDR 5.000.000* |
| Food and beverages inside the refrigerator | x | IDR 1.000.000* | IDR 1.000.000* |
| Medical expenses due to accidents | IDR 1.000.000/person for each accident & IDR 5.000.000* | IDR 1.000.000/person for each accident & IDR IDR5.000.000* | IDR 1.000.000/person for each accident & IDR 5.000.000* |
| Compensation for death due to accidents | IDR 25.000.000/person for each accident & IDR 100.000.000* | IDR 25.000.000/person for each accident & IDR 100.000.000* | IDR 25.000.000/person for each accident & IDR 100.000.000* |
| Third Party Legal Liabilities | IDR 50.000.000* | IDR 50.000.000* | IDR 50.000.000* |
* During the coverage period
Zurich Home Insurance helped me rebuild my life after our house was hit by a flood. The professional Zurich team came directly to assess the damage and provide the support we needed. My claim was processed quickly, giving me confidence to focus on rebuilding our lives.
Best Protection for Your Home
We understand what's best for you. Now it's time for you to protect your home
Documents related to Zurich Home Insurance
Frequently Asked Questions
Having a home insurance is not a mandatory, but it is important to protect your assets from various risks. With coverage such as fire, earthquake, theft, and other coverage, insurance helps protect your financial condition in the long term.
Home insurance provides coverage that is quite broad, such as FLEXAS risk, earthquake, theft, up to third-party injury. However, coverage limits depend on the policy and conditions you choose.
Fire insurance usually only covers risks related to the building itself, such as fire, theft, and damage (FLEXAS). Meanwhile, home insurance has broader coverage that may include additional risks such as earthquake, theft, to third-party injury claims. Make sure that you choose the right protection for your needs.
The process of claiming Zurich Home Insurance can be done easily through the Zurich Care service by providing a timeline of the incident that occurred. After that, the insurance company will assist with the settlement process in accordance with applicable regulations.
Fill this form and get your protection:
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