Kumamoto

Earthquake insurance wants to contain

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Department of Environment and Residential Life Consumer Information and Counselling Division (consumer service center) 
TEL: 096-333-2309 
FAX: 096-383-0998 
Email shouhiseikatsu@pref.kumamoto.lg.jp

Q earthquake insurance wants to contain, but please tell red card.

A Earthquake insurance is insurance for exclusive use of earthquake disaster to compensate the damage by earthquake, eruption or fire, destruction, burying caused by tsunami by these or being washed away targeting at building and household effects for the residence. Earthquake insurance is to contract with fire insurance and set by all means. When we have already taken out fire insurance, we can join earthquake insurance from halfway.

  Insurance of earthquake insurance is set from 30% of insurances of fire insurance within 50%, and, in the building, as for 50 million yen, the household effects, 10 million yen is the upper limit. As the government and each insurance company operate earthquake insurance based on "Law concerning Earthquake Insurance" together, compensation contents and premium are the same in insurance company of any place.

  Specifically, it is paid the insurance according to measure of damages as limit with value as follows at time of amount of contract and target building, household effects. We were subdivided in ("total loss (100%)" "almost limit) loss (60%" "limit) a small quantity loss (30%" "limit) loss (5%") for four wards about measure of damages in January, 2017 by 3 division.

  In addition, 19% of increases divide earthquake insurance standard rate into three times in the necessary situation on national average, and increase is performed. The first was raised on national average by 5.1% in January, 2017.

Earthquake premium deductions from income are applied to earthquake insurance contractor in the taxation system. We can subtract to 25,000 yen for 50,000 yen, residence tax for income tax from gross income amounts of money.

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Department of Environment and Residential Life Consumer Information and Counselling Division (consumer service center)
Telephone: 096-333-2309
Fax: 096-383-0998
Email shouhiseikatsu@pref.kumamoto.lg.jp
(ID: 21363)
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