top of page
Search

Property Insurance Claim in Indonesia: What Insurers Expect — and How BPI Helps You Win

  • Writer: Be Protected Indonesia
    Be Protected Indonesia
  • May 22
  • 2 min read

When something goes wrong — a fire, a storm, theft, or water damage — the real test of your insurance is the claim.

If you're a property owner in Indonesia, especially if you're renting out a villa or managing assets, knowing how to handle a property insurance claim in Indonesia is essential.

At Be Protected Indonesia, we’ve helped hundreds of clients navigate this process — and here’s what you need to know to avoid surprises.



1. Why Property Insurance Claims in Indonesia Work Differently


Unlike in some other countries, claims in Indonesia can be:

  • Slower to process

  • More dependent on proper documentation

  • Less flexible if your contract isn’t clear

That’s why understanding what the insurer expects before anything happens makes all the difference.



Confused expat couple reviewing insurance documents in Bali home

2. What Insurers Expect During a Property Insurance Claim in Indonesia


Whether you're covered by Zurich, Oona, Sompo, Allianz or another insurer, these 3 things matter most:

  1. Accuracy: Did you declare the correct value, usage (rental or private), and risk factors? If not, the insurer may reduce or reject your claim.

  2. Proof: Insurers need:

    • Photos of damage

    • Receipts/invoices

    • Police/fire reports

    • Before/after images

    • Ownership documents

  3. Reactivity: You must report the incident quickly — ideally within 3 days. Delays can lead to denied claims.



Person taking photo of property damage for insurance claim documentation

3. What Be Protected Indonesia Does (and Doesn’t Do)


We handle the process, but you play a key role.

✅ We help check your documents

✅ We follow up with the insurer

✅ We negotiate if there’s a problem

✅ We update you until the claim is paid

❌ We can’t fabricate documents

❌ We can’t fix false declarations (ex: using a villa for Airbnb but declaring as private)

❌ We can’t prevent rejection if prevention steps weren’t taken



Insurance advisor from Be Protected Indonesia assisting a client with claim paperwork

4. Real Example: Fire Damage in a Bali Villa


One of our clients had a kitchen fire caused by faulty wiring. Thanks to correct property use declaration, photo documentation, and fire extinguisher proof — the claim was paid in full.

This would not have been the case without preparation.



Happy customer receiving claim refund confirmation on phone or laptop


5. How to Prepare Before a Property Insurance Claim


  • Install a fire extinguisher and service it yearly

  • Take photos of your villa’s structure and valuable contents

  • Keep receipts (or estimates) for renovations and furniture

  • Declare rental use honestly — it changes the risk level

  • Contact Be Protected Indonesia for a quick yearly review of your coverage



The BPI Claim Process

You fill out our Claim Form

  1. We review and organize the documents

  2. We send the file to the insurer and follow up

  3. You receive your refund (if approved)

We work closely with the insurer, but the quality of your documents is key.


Final Tip 

Property insurance in Indonesia works — but only if you do your part. We’re here to help manage the claim, push the insurer, and protect your interests. But we can’t win the battle without your input.

👉 Need help with a property insurance claim in Indonesia? Message us on WhatsApp — we’ll guide you step by step.


start your claim online using our https://www.beprotectedindonesia.com/claim-form.









bottom of page