Home Insurance Cost

Hi all,

I am looking at home insurance costs and am unfamiliar with what is normal in Japan. Current quote I've received from a company that was recommended is as below;

The insurance quote was given based on 50million yen. The property insurance covers damages caused by;

  • Fire, Lightning, Explosion, 
  • Disasters caused by Wind, Hail, Snow,
  • Water disasters.
  • Theft, Water damages 
  • Breakages, Defacements

The Building Insurance amount is up to 50million yen, Insurance amount for the furniture and fixture is up to 2 million yen.

The insurance premium to pay is 390,130yen per year.

Would you say this quote is reasonable? I also want to ask about earthquake damages but it's in Nagano so perhaps not that earthquake prone? Anything else I'm missing?

by tairyoku31

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