Many people confuse how home insurance covers the 'building' vs. the 'contents', because each has a separate limit. Understanding the difference helps you set the right sum insured without overpaying.
What is the building?
The building is the residential structure and its fixed fixtures, such as:
- Walls, roof, flooring, and main structure
- Windows and doors fixed to the structure
- Built-in electrical and plumbing systems
From the sample quotes, the building limit is 1,500,000 THB (from a 2,000,000 THB total).
What are contents?
Contents are movable items inside the home, such as:
- Furniture like sofas, beds, wardrobes
- Electrical appliances like TVs, fridges, washing machines
- Other personal belongings
From the sample quotes, the contents limit is 500,000 THB.
Why separate the limits?
Separating them lets you assess cover against real value — a home may have high building value but few contents, or the opposite. It keeps the premium aligned with your actual risk.
How to set your sum insured
- Building: assess by rebuild cost, not the purchase price, which includes land value that insurance does not cover.
- Contents: survey and estimate the total value of furniture and appliances.
Under-insuring may leave you short if a loss occurs. See sample limits on the home insurance page.
Summary
The building is the structure and fixed fixtures; contents are movable items — each with a separate limit. Compare limits on the comparison page.