Where Landslides Happen in Bali
Several regions in Bali are known for higher landslide risk. These include the mountainous areas of Bedugul, Kintamani, and parts of Buleleng and Tabanan.
Recent events tragically highlight the dangers. In January 2025, landslides struck both Pikat Village in Klungkung Regency and Ubung Kaja Village in Denpasar City, resulting in the deaths of eight people, as confirmed by Indonesia’s National Disaster Management Agency (BNPB) and reported by Tempo.
Last year, a landslide in Jatiluwih, Tabanan, claimed the lives of two tourists, Angelina Smith from Australia and Luciano Kross from the Netherlands, when heavy rain triggered a landslide that swept away their villa. This devastating incident was reported by the Jakarta Globe, serving as a stark reminder of the potential consequences of landslides in Bali.
These areas often feature steep terrains, and the risk is exacerbated by deforestation and construction activities that disrupt the natural stability of the land.
Why Bali is at Risk
Bali’s unique environmental and geographical factors contribute to its landslide vulnerability.
Heavy rainfall, especially during the rainy season (typically October to April), saturates the volcanic soil, making it unstable.
Combine this with steep slopes and, in some areas, deforestation, and the risk increases significantly. Earthquakes can also trigger landslides, even on less steep slopes.
Potential Losses: More Than Just Property
Landslides can cause devastating damage to homes, land, and infrastructure. The financial burden of repairs can be substantial, and businesses may suffer loss of income. Beyond the material losses, landslides also take a significant emotional toll, threatening personal safety and disrupting daily life.
Insurance: Your Safety Net
Protecting your property and finances starts with having the right insurance. Here’s what you need to consider about your home insurance coverage in relation to landslides:
Natural Disaster Coverage: Does your policy specifically cover natural disasters, and, crucially, does it include landslides? This is the most critical question to ask your insurer.
Extent of Coverage: Understand the limits of your coverage for both property damage (your home) and its contents (your belongings).
Exclusions and Conditions: Carefully review the policy for any exclusions or conditions that might limit your ability to make a claim in the event of a landslide. For example, some policies might exclude damage caused by gradual erosion or lack of proper land management.
Terms and Conditions: Don’t just skim the paperwork. Read the policy thoroughly, paying close attention to deductibles (how much you pay out-of-pocket) and the claims process. Understanding these details before a disaster strikes will save you time and stress later.
Protecting your Bali home is an investment in your peace of mind.
With over thirty years experience in Bali API Pacific understands the potential problems and have policies designed to resolve issues that may affect your property. Contact us for specific details and quotes designed to protect and provide peace of mind