Home Insurance

Your home is built with hope, love and spirit for the future. Protect your dreams and hopes alive at your own home.

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Our protection keeps your dreams and hopes alive at home.

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Full protection that suits your home needs.
Protection for house owner or renter.
Additional guarantee for natural disaster risks.

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Detail
Type
Addition
T&C

Product Detail

Know what protection you will get:

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

Policy Details

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		IDR5.000.000/person,max. of 5 persons.
Cost of fire extinguishing services		10% of total protection, max. of IDR10.000.000.
Debris removal costs		10% of total protection, max. of IDR20.000.000.
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)		IDR10.000.000/person, max. of 5 persons
Third Party Liability		10% of TSI, max. of IDR100.000.000
Architect's fee		10% of TSI, max. of IDR100.000.000
Rental cost for temporary house		Max. of IDR5.000.000,-/month, max. of 6 months
Cost of fire extinguishing services		10% of total protection, max. of IDR10.000.000,-
Debris removal costs		10% of total protection, max. of IDR20.000.000,-
Medical expenses due to fire		Max. of IDR2.000.000,-/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,-*	IDR1.000.000,-*
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,-*	IDR1.000.000/ person for each accident & IDR5.000.000,-*
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

Types of policy at Zurich Travel Insurance

Travel for 1 day or all year round, we are here to protect you. Determine the type of protection that suits your needs:

Single trip

Round trip from your home in Indonesia and back to your home in Indonesia.

One-way trip

Traveling from Indonesia without planning to return to Indonesia.

Annual trip

Regular return tris from your home in Indonesia and back to your home in Indonesia.

Additional Protections

Add additional protection for more ease of mind.

Riot, strike, malicious act and uproar

Compensation for damage to your home, caused by riot, strike, malicious act and uproar.

Compensation for physical impact

Compensation for repair cost to your home, caused by physical impact.

Vehicle collision

Compensation for damage to your home, caused by vehicle collision, including your own vehicle.

Demolition

Compensation for your lost or damaged property, caused by forced and/or violent demolition or theft.

Third party liability (TPL)

Compensation for loss of injury or property damage to third parties (not your family or workers), due to your personal accident.

Debris removal

Reimbursement for debris removal cost for your home.

Fire extinguisher service

Fair and appropriate reimbursement for fire extinguisher service.

Rental cost for temporary house

Reimbursement for rental cost for temporary house, within a sufficient period in rebuilding/repairing your home.

Architect Cost

We reimburse your costs for architects, surveyors, legal consultant and construction consultant in rebuilding your house.

Terms and Conditions

Learn about our Terms and Conditions before purchasing.

Terms and Conditions

Residential House must be included as Class 1 category (non-combustible building).
Residential House not used for business, located in housing society and neighbored with other residential houses/roads/field land.
Total protection for the building and property: minimum of IDR200,000,000 and a maximum of IDR5,000,000,000.
House price refers to the cost of rebuilding, before any loss occurs.
House building is not located in a fire-prone location.
House location can be accessed by fire trucks.
We will determine the amount of compensation by taking into account technical depreciation and deducting the residual value of the goods.

Zurich Assist team (Zurich's Customer service abroad) shows professionalism with excellent service. The claims process is very easy and provides a fast response when we need medical assistance abroad.

K L

Travel Insurance Customer

Best Protection for Your Home

We understand what's best for you. Now it's time for you to protect your home

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Comparison of Other Products

Travel for 1 day or all year round, we are here to protect you. Determine the type of protection that suits your needs:

	Autocillin	Mikro Mobil	Mobil Mikro Syariah
Limit asuransi Limit asuransi	hingga 100 juta rupiah	Optional	Optional
Minimum premi Minimum premi untuk perlindungan kendaraan	Rp 500.000	Optional	Optional
Jumlah bengkel Jumlah bengkel yang menerima klaim di seluruh Indonesia	150 bengke	Optional	Optional
List item title Text description
Berdasarkan syariah Text description

Easy claim via Zurich Care

Explain your problem to us via

1500 456

zurichcare.general@zurich.co.id

Home Insurance Sharia

Your ultimate sharia-based protection to make you and your family comfortable at