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City Lawyer Consulting

Real estate insurance in Thailand

Steps to take insurance online:

1. Select an insurance program and fill out the application form.

2. Attach a copy of your passport or ID card (for Thais) with signature.

3. Attach a copy of your home registration certificate.

4. Wait for the confirmation letter.

5. Pay the bill.

6. Your property is insured.

Get immediate protection (we will send you a temporary PDF file with proof of insurance coverage) The original policy and cards will be delivered to the address you provide within 7-14 business days by EMS registered service.

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About apartment and house insurance in Thailand

Basic home and apartment insurance coverage

House and condo insurance provides protection against both structural damage to your home and damage to furniture and personal belongings inside. Coverage extends to all potential perils. This type of insurance also provides additional protection against break and enter theft and damage, as well as third-party liability.

Fire and other hazards

Home and apartment insurance coverage protects against natural disasters such as fire, lightning (including damage to electrical appliances) and damage caused by short circuits, airplane crashes, smoke and water disasters, and flood protection. Flood coverage depends on each plan as mentioned by the insurance company. Most flood losses are covered (but there are some companies that don't) - check with your agent for details on insuring your home or condo to be sure.

Cash insurance

Cash value insurance protects cash in the home during an incident of theft or robbery. Some insurance companies provide this protection with a limit on lost cash, although some companies do not cover this either - check with your agent or broker to see if this is covered in your chosen plan.

Civil liability

Liability coverage is provided if there is a death or injury caused by an incident in your home or apartment. This coverage is provided in accordance with the terms and conditions of the insurance company.

Accident

This type of accident is covered under house and apartment insurance if the accident occurs in a house or apartment (coverage is only available for persons under 70 years of age).

Theft and robbery

The coverage also protects against theft or robbery. It covers loss of furniture or contents inside your property. As well as protecting lost items, it also covers damage to property, such as breaking into doors or windows. (IT equipment such as laptops, cell phones, computers, etc. are also covered).

Expenses for temporary accommodation

Temporary living expenses coverage is a payment from the insurance company for living in a rented room or hotel while your home is repaired after damage caused by the incident. If your place is uninhabitable, the insurance company will cover your alternate living expenses until your home is habitable again. This coverage is limited, and not all companies provide it - check with your broker or agent about the details of your plan to be sure.

Glazing insurance

Damage to or replacement of glass installed in your home will also be covered. Damage or broken glass as a result of theft or robbery is covered according to the terms and conditions of the insurance company.

Additional coverage

In addition to the basic coverage, each insurance company offers various additional coverage such as flood protection, compensation for death of family members, compensation for temporary housing if the property is uninhabitable, maintenance costs, design costs, performance monitoring, and so on. Please check with your agent or broker for inclusion in your insurance policy.
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Questions and answers

FAQ on real estate insurance in Thailand

What is home and condo insurance?

Home and apartment insurance protects you from unexpected losses caused by natural disasters, theft or robbery. It covers loss of contents of your home and furnishings so that your losses will be compensated in the event of any accidents.

Can I spread my home insurance coverage?

Basic coverage protects buildings, furnishings, and property. For individual houses, townhouses or commercial buildings, the coverage may be equal to the sum insured. The insured can select and adjust the appropriate coverage for the house and contents, for example, the sum insured is 1,000,000 baht. 500,000 baht for the building and 500,000 baht for furniture and contents (total 1,000,000 baht) or 300,000 baht for the building and 700,000 baht for furniture and contents (including 1,000,000 baht). The amount depends on the owner's choice.

Does home and condo insurance protect property from theft?

Each home and apartment insurance plan offers protection against theft of property (including robbery) with entry. The theft coverage is limited to a certain amount.

Does home and condo insurance cover natural disasters?

Each home and condo insurance plan includes coverage for natural disasters such as fire, lightning, water disasters, theft, smoke, and earthquake. Flood depends on each company's insurance plan.

Is valuables insurance included?

All home and apartment insurance plans cover protection of valuable assets such as cell phones, laptops, computers, televisions, refrigerators, etc. The coverage covers theft (burglary, robbery), subject to the presence of tamper evidence.

Is there compensation for temporary housing?

Some companies cover compensation for temporary residency, it depends on the plan you choose.

Is there coverage for loss of cash?

Most plans on our website provide coverage for loss of cash in the home. The insurance company covers loss or damage to cash due to theft or burglary. There is a limit for each plan.

What are the exclusions for home and condo insurance?

Exclusions apply to silver bullion, gold jewelry, antiques, artifacts, manuscripts or copies of documents, plans, paintings, patterns or designs. Collateral, securities, important documents, postage stamps, money stamps, bills, checks, and goods in the insured's care.

How quickly will I receive the original copy of my policy?

Clients are sent a PDF file via LINE or email within 3-4 days. The original policy usually arrives within 7-10 working days and depending on the chosen insurance company.
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More information
Обновлено: 16-04-2024

Why is it better to buy insurance here?

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Pick an insurance plan from different companies and get savings of up to 50%!
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Quickly and easily compare insurance plans and premiums. In just a few clicks.
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Best insurance
Choosing from a variety of options will allow you to make the best insurance choice.
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Support
Professional support from partners will give you confidence.

Just four simple steps to safety!

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Familiarization
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Selection and application
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Approval and payment
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