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Modern style pool villa insured with bali property insurance




If you own or plan to buy property in Bali, it is crucial to prioritize obtaining comprehensive insurance coverage for your valuable asset. Bali is renowned for its stunning landscapes and vibrant culture, but it is also located in an area prone to natural disasters such as earthquakes, volcanic eruptions, and tsunamis. The unpredictable nature of these events makes it essential to protect your investment with appropriate insurance. Moreover, the risk of theft and vandalism cannot be ignored, as even the most strategic locations are not exempt from such unfortunate incidents. Additionally, accidents can occur anywhere, including your beautiful rented Bali Villa, and if your tenant gets injured on your property, you may be held responsible for their medical expenses and other damages. By acquiring insurance coverage for your Bali Villa, you are taking a proactive step towards mitigating potential financial risks and ensuring peace of mind.

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Bali Property Insurance, a trusted property insurance agent name in the world of property insurance in Bali, is backed by two reputable insurance companies:

Zurich is a global insurance powerhouse with a rich history dating back to 1872. With a presence in more than 215 countries and territories, Zurich is known for its financial strength, innovation, and a customer-centric approach. Their extensive portfolio covers various aspects of insurance, including property, casualty, life, and more.


OONA Insurance is a trusted and rapidly growing insurance company in South East Asia (SEA). Backed by Warburg Pincus and a strong commitment to innovation and technology, they provide high-quality insurance services to individuals, families, and businesses across the country.

Together, Zurich and Oona form a formidable foundation for Bali Property Insurance, ensuring that property owners in Bali can trust in comprehensive protection, timely support, and a seamless insurance experience. Whether you're safeguarding your home, business, or investment properties, you can have confidence in the expertise and financial strength of these two renowned insurance companies. Your property's security is our top priority, and with Zurich and Oona by our side, Bali Property Insurance is your partner in protecting what matters most.


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Whether you own or rent property in Bali, whether it's leasehold or freehold, we provide insurance coverage that's customized to suit your needs. Our tailored plans will protect your property, possessions, and liability, and giving you peace of mind and stress-free living that you deserve.


Protect your business with our specialized insurance coverage. Our policy includes protection against liability claims, property damage, theft, and more. You can focus on running your business while we take care of the risks.

Restaurant by the Beach

Insuring over 500 Properties in Bali and Lombok: Protecting Your Investments with Us

We deeply appreciate the confidence our clients in Bali and Lombok have placed in us to safeguard their assets. Over 95% of them opt to renew their contracts with us year after year. Our unwavering dedication to delivering superior insurance solutions and fostering long-lasting relationships with our customers is our topmost priority. We sincerely thank you for entrusting us as your insurance partner.

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Ensure the protection of your office, shop, or factory with our comprehensive insurance coverage. Our policy encompasses a wide range of risks, including property damage, theft, liability claims, and much more.


Owner of Villa

" Recently insured my property with Bali Property Insurance, and we couldn't be more impressed with their professionalism. From the moment we reached out for a quote to the day we signed the policy, the team was always prompt, informative, and went above and beyond to answer all of our questions and concerns. Their expertise in property insurance and knowledge of the local market helped us choose the coverage that suited our needs perfectly. We felt confident that our investment was in good hands with Bali Property Insurance."

Philippe owner of Pineapple Villas in Canggu


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Let us help you find the perfect insurance coverage for your needs. Our team of experienced professionals will work closely with you, asking the right questions to identify tailored solutions that fit your unique requirements.

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After gathering your information, we will send you a detailed insurance proposal. We'll discuss it with you and answer any questions you may have.

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If you agree with our insurance proposal, we'll need to conduct an on-site survey to fully understand the risks associated with your property.

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After the survey, we'll issue a cover note for temporary coverage during the underwriting process.

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Once you've signed up for our policy, we'll provide you with an e-policy containing a critical policy number for potential claims.

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We'll request payment for your premium insurance policy. And now, with your policy in place, you're all set to move forward!


  • Do I need to have an IMB to be able to cover my property?
    No, you do not need an IMB (Izin Mendirikan Bangunan or Building Permit) to have insurance in Indonesia. IMB is a permit issued by the local government that allows you to build or renovate a property. It is not directly related to insurance. However, having a valid IMB may be a requirement for some insurance policies, particularly for property insurance. Insurance companies may require that your property has a valid IMB before they provide coverage. This is because an IMB is an important document that ensures the safety and compliance of the building with local regulations, and it can affect the level of risk associated with insuring a property.
  • What factors influence the cost of property insurance?
    Here are several factors that can influence the cost of property insurance, including: Location: The location of the property can affect the cost of insurance. Properties in areas that are prone to natural disasters, such as earthquakes or floods, may have higher insurance premiums than those in low-risk areas. Type of property: The type of property being insured can also impact the cost of insurance. For example, a property that is built with fire-resistant materials may have lower insurance premiums than one that is made of wood. Age and condition of the property: The age and condition of the property can also affect the cost of insurance. Older properties may have higher insurance premiums due to a higher risk of damage or maintenance issues. Coverage limits and deductibles: The amount of coverage you choose and the deductible you select can also impact the cost of insurance. A higher coverage limit or lower deductible will typically result in a higher premium.
  • Do you offer any discounts for multiple properties or long-term policies?
    We regret to inform you that we are unable to offer any further discount on our proposal. However, please be assured that we have already provided you with our most competitive and affordable rate, along with the best coverage available.
  • What is the process for renewing my property insurance policy?
    Our policies are valid for a year and can be renewed upon receipt and confirmation of our renewal slip. Please ensure that the sum insured accurately reflects the current condition of your property. In case of any additions, it is crucial to declare them promptly and add their value to the policy. Failure to do so may result in claim rejection in the future.
  • Can I make changes to my property insurance policy after it has been issued?
    Absolutely, yes. Please note that changing the policy may require additional premium and administrative costs.
  • Can I transfer my property insurance policy to a new homeowner if I sell my property?
    Sure, please provide us with the details of the new homeowner and we will proceed with the necessary changes.
  • Do I need to insure my personal belongings inside my property separately, or are they covered under my property insurance policy?
    Unfortunately, No. Property insurance typically covers the physical structure of the building and any permanent fixtures, such as built-in cabinets, flooring, and appliances. Personal belongings, such as furniture, electronics, and clothing, may also be covered, but the coverage limits and terms can vary widely among insurance policies.
  • Can I increase or decrease the coverage limit of my property insurance policy at any time?
    Certainly, we encourage you to notify us promptly of any changes to your property that may affect its value, such as additions or removal of items. It is important to note that any changes to your coverage limit may also result in a corresponding change in your insurance premium.
  • How do you calculate the Business Interruption Amount?
    Calculating the Business Interruption Amount (BIA) requires an assessment of the financial impact of a disruption to a business's operations. The BIA is typically calculated as follows: Determine the period of interruption: This is the period of time during which the business is unable to operate normally, such as due to a fire, natural disaster, or other events. Calculate the gross profit: This is the revenue that would have been earned during the period of interruption, minus any costs that would have been incurred to generate that revenue. Gross profit is typically calculated as follows: Gross Profit = Net Sales - Cost of Goods Sold Determine the additional expenses: These are any additional expenses that the business may incur as a result of the interruption, such as rental of temporary facilities or equipment. Calculate the BIA: The BIA is the sum of the gross profit and additional expenses incurred during the period of interruption. BIA = Gross Profit + Additional Expenses It is important to note that the calculation of the BIA can be complex and may require input from a variety of sources, including financial statements, inventory records, and other business records. It is recommended to seek the assistance of a professional to ensure that the BIA is accurately calculated and reflects the true financial impact of a disruption to the business.

Protect Your Building with us!

If you're looking for property insurance in Bali, look no further than Bali Property Insurance. Our rates are some of the most affordable on the market. Plus, we pride ourselves on our fast and efficient processing times. So why wait? Protect your property today with Bali Property Insurance.


+62 813-3952-9858

+62 813-3948-2202 

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