Housing Guarantor System for Nationals and Foreign Nationals in Japan
To rent an apartment or house in Japan a person has to have a joint guarantor for a lease. Foreign nationals often find it difficult to find a proper guarantor. If a person rents an apartment or house, he/she typically has to deal with an estate agency, which approves the housing guarantor system. Kitakyushu International Association or Fukuoka International Exchange Foundation can act as a joint guarantor for the person in matters coming within their jurisdiction.
Comprehensive Housing Insurance for Nationals and Foreign Nationals in Japan
Rental of a private apartment in Japan generally requires a guarantor before possession can take place. Housing insurance exists to eliminate the risk of any financial loss or trouble for such guarantors in the event of any accidents.
Insurance coverage:
Protection of tenant's legal accountability
This coverage provides protection of the person's room if damaged by a covered risk, such as fire, burst pipes or explosions. Under typical lease terms, the tenant has to provide legal compensation to his landlord for the damage.
Protection against personal liability
This coverage provides protection against accidental bodily injury or property damage to others for which the person is accountable, for example, throwing something and injuring someone or a water leak damaging someone's property.
Protection for personal property
This coverage provides protection for a person's personal possessions, such as clothing or furniture, only if they are damaged by a covered risk, such as fire, burst pipes, explosion or flood.
Protection for the guarantor's legal liability
This coverage provides protection for the person's guarantor if the guarantor is legally accountable for expenses arising from the person's failure of rent payments to the landlord, for any reason. It also arises when the tenant's apartment or house has to be restored or repaired.
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