5 Myths Expats Still Believe - Property Insurance in Bali

Protecting your property isn’t a luxury—it’s common sense. So why do so many people skip it in Bali?

Let’s bust the most common myths that stop people from protecting what matters most.

1/ “I Don’t Need Property Insurance in Bali”

Debunked:

Wait a second—you insure your house back home, your car, your phone, even your dog sometimes... but here, where earthquakes, fires, and floods are more common, you do nothing?

Why take the risk in a place where risk is higher? Get a property insurance in Bali

Myth 2: ““It Won’t Happen to Me””

Debunked:

Let’s be honest—no one thinks they’ll be the one who loses everything. Until it happens. Every year, we handle dozens of fire and water damage claims. Most people say the same thing: “I never thought it would happen to me.”

If you’re not insured, you’re basically saying you’re okay with losing it all.

Myth 3: “It’s Complicated and Not Worth It”

Debunked:

It’s not complicated—you’re just not used to doing it here. We make the process simple and quick. A short chat, a proposal, a few documents—and you’re protected for the year.

In fact, it’s probably easier than back home.

Myth 4: “It’s a Private Villa, Not a Business”

Debunked:

Maybe it’s your holiday home—but if you rent it out, or even if friends stay, and something happens—you might be held responsible.

Insurance isn’t just for protecting buildings. It protects you from legal and financial consequences.

Myth 5: “It Must Be Expensive”

Debunked:

Not at all. A standard villa can be insured from just a few million rupiah per year.

It’s way less than what a claim could cost you.

Final Thoughts:

Why do something at home, but not here? Why take bigger risks where protection is more affordable? And most importantly—why leave your entire investment exposed?

You worked hard for this property. Protect it properly.

👉 Ready to talk? Message us on WhatsApp for a free quote.