Choosing Insurance for Minpaku — Pitfalls of Business-Use Coverage
Minpaku is a business activity — standard residential fire insurance does not cover it. Guide to required coverage and insurer selection.
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Standard Fire Insurance Does Not Cover Minpaku
Minpaku is a business activity, so standard residential fire insurance does not cover it. Inform your insurer and switch to appropriate coverage.
3 Essential Insurance Types
1. Business fire insurance (¥20-50k/year)
2. Facility liability insurance (¥10-30k/year, essential)
3. Personal liability insurance (optional)
Cost Benchmarks
Studio: ¥30-50k/year
1LDK: ¥40-60k/year
3LDK house: ¥70-110k/year
You can also leave the operations to professionals
Interested in Osaka minpaku after reading? Our sister service "Tsumugi Connect" can run the daily operations for you — listing, guest support and cleaning.
Visit Tsumugi Connect* Japanese site. English inquiries are welcome via LINE.
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