Protect Your Property
The Right Way
Tailored Solutions for Villas, Homes, and Businesses
Whether your property is leasehold or freehold, for living or rental income — we help expats and investors secure the right protection. Our coverage includes fire, theft, natural disasters, and liability, with trusted policies and full support in English.
Choose the Coverage That Fits You: From Basic Fire to Full Protection — We Help you Choose the Right Plan.
Starting from only 0,2% of your property’s value per year.
Property insurance in Indonesia is flexible. Some insurers offer full packages (like Zurich Business Guard) with Fire, Earthquake, Liability, and more. Others let you add coverage based on your needs. If you run a business, we can include Business Interruption to protect your income. We’ll help you get the right protection — clear, simple, and tailored to your property.
01
Fire Only:
Basic coverage for damage caused by fire, lightning, and explosion. Ideal for minimal protection.
02
Property All Risk:
Covers most accidental and unforeseen damages, including fire, flood, theft, and more.
03
Earthquake:
Add-on that protects your property from earthquake, tsunami, and volcanic eruption. This coverage is only available as an add-on to a Property All Risk policy — it cannot be purchased as a stand-alone option.
04
General and Public Liability:
Protects you if someone is injured or another property is damaged because of your building.
Only available as an add-on to Property All Risk + Earthquake.
Exception: standalone option possible for villa managers.
05
Terrorism and Sabotage:
Covers property loss or damage caused by politically motivated acts or targeted attacks.
Example of Property Insurance Pricing
3 examples of Property All Risk insurance + Earthquake + Public Liability in Bali. Premiums depend on property value, use (residential or business), structure class, and location.
Villa Uluwatu
Business Use
Property Value:
IDR 3 billion
Estimated Premium
IDR 8,750,000/ year
Resort Ubud Area
Property Value:
IDR 12 billion
Estimated Premium
IDR 35,000,000/ year
Restaurant
Canggu
Property Value:
IDR 1,7 billion
Estimated Premium
IDR 4,500,000/ year
Get Ready to Be Covered
Everything you need to protect your property with the right coverage.
To qualify for Property All Risk insurance:
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Coverage can be set up by the owner, tenant, or property manager
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Accepted for private homes, rental villas, restaurants, shops, and other commercial uses
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All types of structures can be covered — including wooden or bamboo buildings, as long as they're declared properly
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Properties under major renovation or not yet completed should use Construction All Risk instead
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Leasehold, Freehold, Hak Pakai, and other titles are all eligible
Trusted by Property Owners & Hospitality Businesses
Julien, Villa Owner in Uluwatu
I rent out my house year-round, so I needed serious protection. BPI helped me get a proper setup with liability coverage and fast response in case of questions. Total peace of mind.
Clara, Restaurant Owner in Canggu
I didn’t know restaurant insurance could be this easy. BPI understood my needs and handled everything with Zurich. Now I’m covered — from the building to third-party risks.
Tariq, Resort Manager in Gili Air
Our resort had no insurance at all before. BPI gave us a full package with natural disaster coverage and fire protection. Their local experience made a big difference.
