Easily get covered online
—anytime, anywhere, in English.
anytime, anywhere, in English.
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Get instant answers on LINE in English from our friendly support team.
Our insurance experts help you find the suitable plan for your needs.
Apply anytime, anywhere. Your policy certificate is available online
Ramune Inc. is an exclusive insurance agent for Nisshin Fire & Marine Insurance Co., Ltd. Through our partnership, we are promoting the digitalization of insurance to protect the peace of mind and safety of a new era.
"We resonate with Ramune's vision of 'a world where living authentically is the norm,' as it connects with our own goal of creating a safe and secure society. By offering a process that can be completed online, the burden on the customer is lightened, making insurance more accessible. We have high expectations for Ramune as a new type of agency that utilizes the digital technology Nisshin Fire & Marine is committed to."
2025/01/30 虎ノ門ヒルズで開催された「熊本スタートアップナイト」にて、当社CEO五島がラムネ保険コンシェルジュについてピッチ登壇したときの動画です🙋
Our simple plan offers affordable premiums by focusing only on the essential coverage for renters, while ensuring you are properly protected where it matters most.
Covers your legal liability for damages to the landlord's property (e.g., in case of an accidental fire or water damage you cause).
Covers the cost of accidental repairs to your rented room, such as for a broken window or a damaged door.
Covers your legal liability if you accidentally injure another person or damage their property.
Covers damage to or theft of your own belongings, such as furniture, electronics, and clothing.
Covers certain legal fees when you are the victim of an incident and need professional legal advice.
✅ Coverage for certain types of water damage (like floods from natural disasters), breakage, and staining is not included.
✅ Earthquake Insurance is not automatically included.
You can customize the coverage amount for your personal property in ¥1 million increments to match your needs. We recommend choosing an amount that would cover the cost of repurchasing all your belongings in case of a total loss, such as from a fire.
For a single person
with fewer belongings...
with personal property coverage set at
¥1 million
For a single person...
with personal property coverage set at
¥2 million
For a family of three...
with personal property coverage set at
¥3 million
With over 10 years of experience running my own insurance agency here in Fukuoka, I co-founded Ramune to make the benefits of insurance more accessible to everyone. I have a deep understanding of the Japanese insurance industry, and I'm here to ensure you get the proper protection you need.
As a software engineer who lived in California for 5 years, I know what it's like to navigate complex systems in a new country. I founded Ramune with a mission to empower people to live authentically, no matter where they are. As a licensed insurance professional in Japan, my goal is to provide the clear, trustworthy support I wished I had.
First, add us on LINE. This will be your main contact point for all inquiries, procedures, and support after your contract begins, including accident reports.
From the 'Quote/Application' button in our LINE menu, you will be redirected to the official Nisshin Fire 'Renters Insurance' homepage. Please proceed with your quote and application there.
When the page opens, please select 'Accept' if you are prompted for cookie settings.
On the confirmation screen on the Nisshin Fire page, please verify that the 'Agency Name' is listed as 'Ramune Inc.' to ensure we can support you.
Agency Name: Ramune Inc.
Agency Code: 835961
Your application is complete once you register for the "My Nisshin" customer portal and enter your credit card information.
We look forward to supporting you!
No, there are no fees other than the insurance premium. The premium is the same as if you purchased directly online from Nisshin Fire & Marine Insurance Co., Ltd. We operate as an insurance agency and our service is structured to receive a commission from our partner, Nisshin Fire & Marine, for our services.
In the unlikely event that Ramune Insurance Concierge discontinues its services, you would no longer receive customer support from us. However, your insurance policy with Nisshin Fire & Marine Insurance Co., Ltd. would remain active, and their customer support would continue to be available as before. There would be no impact on your contracted coverage, so please rest assured.
We recommend setting the coverage amount to the total value required to repurchase all of your current household goods (excluding items not covered by the policy). For example, if you live alone, 1 million yen in coverage may be sufficient. Please consider factors such as the total cost of replacing your belongings if you were to move and set an amount that would cover the expenses needed to re-establish your household.
You are not necessarily obligated to enroll in the fire insurance policy designated by the real estate agency. The primary concern for real estate agencies and landlords is ensuring there is coverage for damage to the rented property in case of incidents like a fire. "Oheya wo Kariru Toki no Hoken" (Insurance for Renters) provides up to 20 million yen for tenant liability coverage and up to 3 million yen for repair costs, which includes the necessary protections for tenants. Explaining this should help the real estate agency understand. If the real estate agency requests a copy of your insurance policy, please provide the certificate of enrollment that will be sent to you after you sign up.
Damage to the specific dwelling unit (your apartment) that you are leasing from the landlord is covered by tenant liability insurance. For damage to parts of the building other than your rented dwelling unit and common areas, under the "Act on Liability for Fire Caused by Negligence" (失火ノ責任ニ関スル法律), you are generally not held liable in cases of slight negligence. However, if there is gross negligence on the part of the tenant who started the fire, they will be held liable for damages. Such cases would be covered by tenant liability insurance.
You can complete the cancellation procedure through "My Nisshin" (the online customer portal). If you are unsure how to proceed, please contact us via LINE chat for assistance.