Unit, Contents & Owner Liability Coverage

Apartment Insurance Batam

Owning an apartment or condotel unit in Batam is an investment that deserves proper protection. From fire to a water leak damaging a neighbour's unit — apartment insurance ensures your investment is covered against the unexpected.

Rio Mardiansyah
Reviewed by
Rio Mardiansyah
Insurance Practitioner · 8+ Years Experience
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Benefits & Coverage

What does this insurance policy cover?

🔥

Fire & Explosion

Covers damage to your unit caused by fire, gas explosion, lightning strike, and smoke damage affecting the interior or structure of the unit.

🌊

Flood & Water Damage

Protection against damage from flooding, seepage from the unit above, or leaks from shared building pipework within the apartment complex.

🪟

Glass & Mirror Breakage

Covers replacement costs for window glass, glass doors, and large mirrors broken by accidental or unforeseen events.

🛋️

Contents & Furnishings

Covers loss or damage to furniture, electronics, and valuables inside the unit resulting from an insured event.

🏠

Third-Party Liability

Covers legal claims from other unit owners or building residents arising from negligence originating in your unit — for example, a water leak that damages the unit below yours.

🔑

Key Loss & Replacement

Covers the cost of replacing keys and lock cylinders if your unit keys are lost or stolen.

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What Is Your Apartment Insurance Premium?

Enter your building value and get an estimated fire, flood, riot, and earthquake premium based on official OJK rates. Instant results, no sign-up needed.

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Initial estimate · final premium set after survey

Policy Comparison

Choose the package that suits your needs

FeatureBasicStandardComprehensive
Fire, Lightning & Explosion✅✅✅
Flood & Water Seepage❌✅✅
Glass Breakage❌✅✅
Contents & Furnishings❌Optional✅
Third-Party Liability❌❌✅
Key Loss & Replacement❌❌✅
Loss of Rental Income❌❌Optional

* Contact us for the best offer tailored to your needs

Frequently Asked Questions

Answers to commonly asked questions

Is the building management's insurance policy sufficient for my unit?+
Insurance held by the building management or developer typically covers only the main building structure — not the contents of individual units, additional renovation works, or your personal liability as an owner. Personal unit insurance fills the gaps that the building policy does not cover.
Can a unit that is rented out also be insured?+
Yes. Both owner-occupied and tenanted units can be insured. For rented units, specific products are available that also cover loss of rental income resulting from an insured loss.
Can a condotel unit use this product?+
Yes. Condotel units operated as investment properties with daily or monthly rental management can be insured. The sum insured is based on the declared value of the unit and its contents.
What does 'all risk' mean for apartment insurance?+
An all-risk apartment policy covers all causes of loss except those explicitly excluded in the policy wording (such as gradual wear, intentional damage). This differs from a named-perils policy, which only covers specific risks listed by name.
What does apartment insurance typically cost in Batam?+
Premiums are calculated based on the unit and contents value, building location, and selected coverage. For a unit valued at IDR 500 million, annual premiums typically start from IDR 500,000 to IDR 2 million depending on the package chosen. Contact Rio for a specific quote.

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