Real Estate Insurance in Cambodia: What You Need to Know in 2025

As of January 2025, the real estate market in Cambodia is undergoing significant changes, influenced by various government initiatives and market dynamics. In this update, Realestate.com.kh will focus on the current state of real estate insurance, and common examples of policies available, and highlights the role of online platforms as resources for navigating the property market.

The Importance of Real Estate Insurance

Real estate insurance is crucial for protecting property owners and investors from potential risks such as fire, theft, natural disasters, and liability claims. In Cambodia, the insurance sector has been steadily growing, with an impressive average annual growth rate of approximately 25% over the last decade (Cambodian Insurance Association, 2025). 

The Cambodian government's strategic focus on strengthening the regulatory system has been crucial, regardless of its early stage in comparison to its regional rivals. The country aims to achieve a 5.5% insurance penetration rate by 2030 according to the Ministry of Economy and Finance which reflects its commitment to fostering an inclusive and robust insurance market.

Common Types of Real Estate Insurance Policies

The insurance policies available in Cambodia cater to a wide range of needs, ensuring both residential and commercial property owners can find suitable coverage. These include:

Property Insurance

Property insurance in Cambodia is a cornerstone of real estate protection, offering coverage against damages caused by fire, natural disasters, and vandalism. For example, a mid-sized residential property in Phnom Penh valued at $120,000 can secure property insurance for approximately $300 to $400 annually, depending on the level of coverage. 

Such policies often include optional add-ons like temporary relocation expenses if the property becomes uninhabitable due to covered damages. With increasing urbanization, the demand for comprehensive property insurance is projected to grow significantly, supported by rising awareness among property owners.

Liability Insurance

Liability insurance provides financial protection for property owners against claims related to injuries or damages occurring on their premises. For instance, a commercial property owner might face a legal claim if a visitor slips and falls. 

Policies typically cover legal fees, medical costs, and potential settlements. The average premium for liability insurance for a small commercial property starts at around $200 annually, making it a crucial safeguard for both residential and commercial property owners.

Landlord Insurance

Designed specifically for rental property owners, landlord insurance protects against tenant-related risks such as unpaid rent, property damage caused by tenants, and loss of rental income due to unforeseen events. 

For example, a landlord renting a two-bedroom apartment in Siem Reap can pay premiums ranging from $350 to $500 annually for coverage that includes legal expenses for eviction and damage repairs. These policies provide landlords with peace of mind, ensuring their investment remains secure even under challenging circumstances.

Title Insurance

Title insurance protects property owners from financial losses caused by defects in property titles, such as fraudulent claims, liens, or encumbrances. For example, a property buyer in Phnom Penh purchasing land worth $80,000 may pay a one-time premium of $500 to $700 for title insurance, which ensures protection against future disputes over ownership. 

This coverage is particularly important in Cambodia, where land ownership records have historically faced challenges in accuracy and transparency.

Construction Insurance

Construction insurance is tailored for developers and contractors, covering risks during the building phase, such as accidental damages, equipment theft, or on-site injuries. For instance, a developer working on a residential complex can expect to pay 1-3% of the project’s total cost as an annual premium for comprehensive construction coverage. 

This type of insurance not only protects the project but also ensures compliance with safety standards and contractual obligations.

Government Initiatives Supporting Real Estate

In 2025, the Cambodian government has introduced several measures to stimulate the real estate market:

• Tax Exemptions: Property transfer taxes have been waived for residential properties valued under $70,000 until the end of 2025. Additionally, first-time homebuyers purchasing properties under $210,000 are exempt from stamp duties.
• Debt Restructuring Initiatives: Programs have been established to assist homebuyers with smoother repayment processes, enhancing liquidity for developers.
• Digital Services for Land Management: A new online platform has been launched to streamline land transactions and improve transparency in property dealings.

These initiatives aim to create a more favorable environment for both buyers and investors in the real estate sector.

Role of Digital Platforms in the Real Estate Market

Online platforms play a pivotal role in Cambodia’s real estate landscape, providing tools and resources that simplify property transactions and investment decisions. Among these platforms, Realestate.com.kh stands out as a prominent player, offering:

• Comprehensive Listings: Users can explore a wide range of properties, from residential to commercial spaces, with detailed descriptions and pricing information.
• Market Insights: Realestate.com.kh publishes regular updates on real estate trends, legal frameworks, and investment opportunities, aiding informed decision-making.

• Networking Opportunities: Events such as expos and webinars hosted by the platform connect investors, developers, and buyers, fostering growth and collaboration in the real estate sector.
  By centralizing information and facilitating transparent dealings, platforms like Realestate.com.kh are invaluable for navigating Cambodia’s evolving property market.

In short, Cambodia’s real estate insurance landscape in 2025 is shaped by dynamic government policies, innovative insurance products, and the growing influence of digital platforms. Property owners, investors, and insurance face both possibilities and problems as a result of the insurance industry's development and strong governmental support. Stakeholders are in a strong position to handle the changing Cambodian real estate market as transparency increases and customized solutions become more widely available.

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Are you interested in buying property in Cambodia and want to know more about the insurance policy here? Contact our experts via: 

📞+855 92 92 1000

📧 info@realestate.com.kh