The Benefits of Home Insurance

Terakhir Diubah : 04:14:41 - Wednesday, 15 June 2022

Home is we should feel secure and comfortable. Imagine if your house is on fire or lightning hits your house? Imagine the cost to repair or replace your personal belongings if they are damaged or stolen.

Home insurance protects property and its contents, such as houses, offices, shops, factories, and personal warehouses from damage and loss caused by fire, burglary, riots, floods, and earthquakes.

Home insurance provides a sense of security from risks or disasters that may occur.

Renovation costs for homes that have suffered heavy damage due to natural disasters or fires are certainly very expensive. There are many unexpected expenses when doing home repairs, from hiring a handyman, repairing the foundation to the roof of the house, and much more. Home insurance protects you from financial losses due to home repairs at no small cost.

For more information about home or property insurance you can contact us at 021-50508080 or email to [email protected].

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Fire Insurance (FLEXAS)

Property Insurance (FLEXAS) provides a warranty to your properties for the damages as resulted from any possible risks such as fire, lightning, explosion, aircraft falling and smoke.

Fire (fire)
Fire caused by a short circuit or electrical short circuit or due to the spread of fire from other objects, neighboring houses, tree fires and others or fire due to your own negligence or lack of care, your servant or other people such as fires due to stoves, exploding gas leaks, or cigarette butts and others.

Lightning (Lightning Strike)
Property insurance also guarantees the risk of fire caused by electric machinery, electrical or electronic equipment, and electrical installations that are burned because lightning also enters into account.

Explosion
What is meant by an explosion here is the sudden release of energy due to the expansion of steam or gas. For example, steam boiler pipes or explode until leaving open rips. Terms and conditions apply.

Aircraft Impact (Fall of Airplanes)
In the unfortunate event of an aircraft crash on or near the insured property, a comprehensive fire insurance policy typically covers the resulting damage. This can include structural damage to buildings, loss of personal property, and any other destruction caused by the impact.

Smoke (Smoke)
Smoke arising from the fire of insured property. So if the smoke caused by a fire causes damage to the house or other property insured, property insurance will guarantee the loss due to the damage. (asuransiku)

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Kick Off Agency 2026

Sahabat Insurance held the 2026 Agency Kick-Off on Monday, December 1, 2025, together with its insurance agents. This event is conducted annually as part of the company’s training and collaboration program with its insurance agents. Sahabat Insurance successfully hosted an exclusive Sharing Session for its Agent Partners during the Kick Off Agent 2026 event held at Hotel Indonesia - Kempinski.

The central theme of the training was "The Critical Role of Agents in Strengthening Insurance Sector Integrity and Combating Financial Crime." The agenda commenced with a Lunch & Networking session, followed by the core material presentation on integrity and compliance delivered by Mr. Justinus Adhi Utomo, Associate Director at PT Asuransi Sahabat Artha Proteksi.

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FAQ

How to buy insurance?
You can come to the nearest Sahabat Insurance office or contact the Sahabat Insurance call center at 021-50508080 via telephone/WhatsApp by informing the insurance company of the type of assets and collateral you want. The marketing staff will inform you about the payment and documents to be prepared.

What is the difference between Comprehensive and TLO ?
Comprehensive covers damage caused by impact, collision, overturning, slipping, malicious acts, theft and fire, both for partial loss and total loss, as long as the coverage is stated in the policy and is not included in the insurance policy exceptions.
Total Loss Only (TLO) guarantees damage or loss whose repair value is equal to or more than 75% of the insurance price and total loss due to theft.

What documents need to be prepared if I want to buy car insurance?
The documents required to purchase insurance are: STNK (vehicle registration), KTP and SPPA form or contact us via telephone/WhatsApp call center Sahabat Insurance at 021-50508080.

When do I get my policy documents?
Car insurance policies can be issued within 1-2 working days and home / property insurance can be issued within 3 working days, if the documents are complete.

When will my insurance be active and can be used?
After your insurance application is approved by the insurance company, the policy will be issued. Furthermore, the premium must be paid immediately within the time period stated in the policy. The policy will be active automatically.

What should I do if I want to claim car insurance?
Contact Sahabat Insurance call center at 021-50508080 via telephone/WhatsApp before 5 (five) working days, state your insurance policy number, fill out a claim form and prepare important documents such as a copy of the insurance policy, driver's license, STNK and other appropriate complementary documents. claim to be submitted. If the documents are complete, our surveyor will immediately be assigned to inspect your vehicle.

How do I renew my insurance policy?
Contact your marketing or Sahabat Insurance at 021-50508080 via telephone/WhatsApp during operational hours: Monday-Friday, 08.30-17.30 WIB (except holidays) before your insurance policy period ends.

How Do I Find Out My Car Insurance Expiry Date?
You can find it in your insurance policy. Apart from that, you can also contact Sahabat Insurance marketing or contact the Sahabat Insurance call center at 021-50508080 by providing the policy number or vehicle plate number.

What if my insurance policy is lost?
You can contact Sahabat Insurance marketing or call 021-50508080 to get a reprint of a copy of your insurance policy.

How Do Add-ons Enhance Car Insurance?
You can inform your car insurance marketing or call/WhatsApp Sahabat Insurance call center at 021-50508080.

How do I find my Car Insurance Authorized Workshops?
You can visit www.sahabatinsurance.id, select Daftar Bengkel menu or contact the Sahabat Insurance call center at 021-50508080 via telephone/WhatsApp during operational hours: Monday-Friday, 08.30-17.30 WIB (except holidays).

Can I get an estimate of insurance premium?
Contact your marketing or Sahabat Insurance call center at 021-50508080 via telephone/WhatsApp.
Send an email to [email protected] along with details of the assets you own and your telephone number where you can be contacted.

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Sahabat Insurance collaborates with STMA Trisakti to implement Insurance Literacy.

Sahabat Insurance collaborates with STMA Trisakti to implement Insurance Literacy :Olympiad of Insurance and Actuarial. The Semi-Final round was held via zoom on February 17th, 2024 and the Final round was held offline on March 4th, 2024.

Quoted from OJK.go.id , Financial Literacy is very important in order to increase public financial literacy, based on a survey conducted by the OJK in 2022, the financial literacy index of the Indonesian population is 49,68 percent, an increase compared to 2013, 2016 and 2019 which were only 21,84 percent, 29,70 percent, and 38,03 percent.

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