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Fire Insurance

Risk protection for property

Why Should You Have Fire Insurance?

Affordable Premium

Easy and fast process

Easy Premium Payment

Through auto-debit or virtual account

Fire Insurance

Fire Insurance

Important Information Fees Get the Product

Important Information

Insurance Benefits

  1. Primary Guarantee:
    • Fire
    • Lightning Strike
    • Explosion
    • Hit by Airplane Crash 
    • Smoke
  2. Extended Guarantee:
    • Flood, Hurricane, Typhoon, and Water Damage
    • Motor Vehicle Damage
    • Riots, Strikes, Malicious Damage, and Civil Commotion
    • Terrorism and Sabotage
    • Earthquake, Volcano Eruption, and Tsunami

Risk and Exclusion


Insurance products carry risks, including but not limited to credit risk and policy cancellation risk.


This coverage does not guarantee losses or damages to property caused by theft risks, intentional acts, and unlawful acts.

Further details about exclusions can be accessed through the brochure.


  • BCA and BCAinsurance are licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan).
  • This product is an insurance product of PT Asuransi Umum BCA (BCAinsurance) and is not a product of BCA. BCA is not responsible for these insurance products.


Insurance Fees



Insurance Fee

The premium depends on the amount of sum insured

Endorsement Administration Fee

Charged if there is a change in Insured Object Value, Occupation, and Guarantee

Administration Fees 

Type of Premium (Rp)

Administration Fee (Rp)

 < Rp 5,000,000


 ≥Rp 5,000,000


Personal Risk Fees 


Personal Risk

Fire, Strike by Lightning, Explosion, Hit by Airplane Crash, Smoke

Home & Home Office: NIL

Shophouse: 5% of the agreed loss value or 0.1% of the total insured value

Floods, Hurricane, Typhoon, and Water Damage

10% of the agreed claim

Motor Vehicle Damage, Demolition

Rp2.5 million/accident

Riots, Strikes, Malicious Damage, Civil Commotion

10% of the minimum claim value of Rp10 million

Terrorist Act and Acts of Sabotage 

The amount will be determined at the time of claim filing 

Earthquake, Volcano Eruption, and Tsunami

2.5% of the Sum Insured 

Get the Product

BCA Insurance Sales
Visit the nearest BCA branch office
Nearest BCA Branch
Apply this product or service through eBranch BCA application in smartphone
More Info