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トップページ > Consumer Affairs Consulting Service > Consumer Affairs Consulting Service FAQ > When I rented an apartment, the real estate agency recommended that I purchase fire insurance. Is that really necessary?

Updated:March 4, 2019

When I rented an apartment, the real estate agency recommended that I purchase fire insurance. Is that really necessary?

Consultation

When signing the contract to rent an apartment, the real estate agency, which also sells insurance, strongly recommended that I purchase fire insurance. Since I assume the landlord or lessor has fire insurance, are tenants also required to purchase fire insurance? (Male, 20s)

Fire insurance maintained by landlords is for the building itself. Lessees purchase insurance to cover damages to their own belongings, situations that could arise for which the tenant is liable to the landlord, etc.

Advice

 Lessees of apartments and condominiums have the obligation to appropriately maintain a rented property and return it to the landlord at the termination of the agreement. If the building where a tenant rents is damaged by fire due to the tenant's carelessness, the tenant will be held liable for the damages caused.
 To prepare for such situations, fire insurance that includes tenant liability insurance as an insurance rider is available. Do not simply purchase the insurance recommended to you by the landlord or real estate agency without fully understanding the contents of the policy. Make sure to know what is covered prior to purchasing insurance.

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