Cambodia Property Insurance 2026: Home & Landlord Cover Guide

A standard Cambodia property insurance policy (fire and allied perils policy) typically covers: loss or damage caused by fire, lightning, explosion, aircraft damage, riot and strike, malicious damage, storm and tempest, burst pipes and water tank overflow, and impact damage from vehicles. Contents policies add cover for theft (usually requiring evidence of forced entry). Critically, many standard policies do not automatically include flood cover — you need to specifically request and pay for a flood extension, and in high-risk zones this may be unavailable or carry a significant excess. Always read the policy schedule carefully and ask specifically about flood, storm surge, and subsidence cover.

Properties in high flood-risk areas are technically insurable in Cambodia but with important caveats. Forte Insurance and Infinity Insurance are the primary providers with specific flood cover products. For properties in very high-risk zones (Tonle Sap floodplain, known riverside flood areas), insurers may: (1) offer cover with a very high excess (deductible) for flood claims — sometimes 10–20% of the insured value; (2) sub-limit flood cover to a lower maximum than the full building value; (3) exclude flood entirely if the property is in a designated flood zone. Before purchasing in a flood-risk area, obtain insurance quotes as part of your due diligence — if flood cover is unavailable or prohibitively expensive, this materially affects the property's risk profile.

For condo unit owners, the answer depends on the building's existing insurance arrangements. In Cambodia, most condo management companies do not carry comprehensive building shell insurance that covers individual units — they may carry third-party liability cover and some common-area insurance, but your unit's walls, floors, and fixed installations are typically your responsibility. This means a building or 'walls-in' insurance policy for your specific unit is generally advisable. For villa and house owners, building insurance is clearly essential — there is no HOA or management company covering the building structure. Contents insurance is a separate product and is always the unit owner or tenant's personal responsibility.

The claims process in Cambodia is improving but remains less streamlined than in developed insurance markets. General steps: (1) notify your insurer as soon as possible after the loss — most policies require notification within 24–48 hours of discovering damage; (2) do not repair or dispose of damaged items before the insurer has assessed — this can void a claim; (3) document everything with photographs; (4) the insurer will appoint a loss adjuster to assess the claim — this process can take 2–6 weeks for significant claims; (5) once approved, settlement is typically by bank transfer in USD. Common reasons for claim rejection in Cambodia: failure to disclose pre-existing damage, breach of the unoccupied property clause, damage falling within excluded categories. Having a local insurance broker familiar with Cambodia insurers can significantly smooth the claims process.

For expat landlords renting out a Cambodia property, the most important insurance products are: (1) Landlord insurance — covers tenant damage beyond wear and tear, loss of rental income if the property is made uninhabitable by an insured event, and public liability for tenant injury; (2) Contents insurance — covering fixtures, furniture, and appliances in a furnished rental; (3) Building/structure insurance — if you own a villa or house (less relevant for condo units where HOA may provide some cover). A combined landlord policy typically covering all three is available from Forte Insurance and Infinity Insurance for USD 500–900/year for a mid-range furnished condo. For overseas landlords who cannot easily supervise the property in person, landlord insurance is particularly important protection.