Property Insurance

Protect the building, not just the address

Whether it's a family home, a rented condo or a factory floor, property insurance covers the structure and contents against fire, storm, flood and impact — and keeps your investment intact if the worst happens.

Coverage

What a property policy covers

Property All Risks (also called Fire Insurance) responds to accidental damage from a wide range of causes — not just fire.

Structure
Fire & All Risks
Damage from fire, explosion, windstorm, flood, water damage and vehicle impact to the building itself.
Contents
Multi-Risk Contents
Furniture, appliances and personal belongings, including theft, bundled into the same policy.
Liability
Public Liability
Cover if a guest, neighbour or visitor is injured — or their property damaged — on your premises.
Business
Business Interruption
Compensation for lost income if property damage forces your business to pause operations.
Household staff
Home Helper Accident
Accident cover for domestic staff working at an insured residence.
Good to know

Frequently asked questions

Is it mandatory in Cambodia?
No, but it's strongly recommended — particularly for mortgaged properties or higher-value assets, where a lender may require it.
Can foreigners buy property insurance here?
Yes. We regularly place property cover for expats, investors and tenants, not just Cambodian owners.
Who should insure — owner or tenant?
Under most Cambodian lease agreements the tenant is liable for damage to the property, so both owners and tenants have good reason to insure.
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