Home & fire insurance premiums are not the same for every home. Several factors determine the risk assessment — this article explains them and gives sample premiums from real quotes.
What determines the premium?
- Sum insured: the value of the building and contents you insure — higher sums mean higher premiums.
- Building characteristics: structure, materials, and age.
- Contents insured: more or higher-value contents increase the amount.
- Coverage plan: add-on limits such as burglary and third-party liability.
- Location: different risk areas affect premium assessment.
Sample premiums from quotes
From Allianz Ayudhya plans we offer (sample quotes, 2,000,000 THB total sum insured):
- Master Home Plan 1: 2,990.65 THB/year incl. tax & duties.
- Perfect Home: 5,500.87 THB/year incl. tax & duties.
The difference comes from add-on limits — Perfect Home has higher burglary, third-party liability, and temporary accommodation. See the comparison page.
Why actual premiums differ
These figures are sample-quote premiums only, not prices everyone gets. Actual premiums depend on your home's construction value, contents, and underwriting conditions.
How to get the best value
- Insure close to the real value — not too high or too low.
- Choose a plan that matches your needs.
- Compare several plans before deciding.
Start with the Master Home budget plan or the Perfect Home plan.
Summary
Premiums depend mainly on the sum insured and the coverage plan. Sample premiums range from the low to high thousands of THB per year. For an actual premium, send your details via the home insurance page.