Flood is one of the biggest concerns in Thailand, but many people assume home & fire insurance covers every flood case with an unlimited amount — which is not true.
Does home & fire insurance cover flood?
The answer is yes, but with limited amounts and conditions. Both our sample-quote plans (Master Home Plan 1 and Perfect Home) state a 20,000 THB flood limit with a 7-day waiting period.
What is a 7-day waiting period?
A waiting period is the time after the policy starts during which certain cover, such as flood, is not yet active. If flood occurs within the waiting period, the insurer may not be liable under the conditions.
What does the 20,000 THB limit mean?
It is the maximum the insurer pays for flood damage in an event — it does not cover all home damage. This figure is from sample quotes, not a standard for every home.
Should you buy extra flood cover?
It depends on the flood risk where your home is. If your home is in a high-risk area, ask our team about options to increase flood cover or a more suitable product, since a basic plan may not be enough.
Points to note
- External flood differs from water damage from burst pipes inside the home.
- Limits and waiting periods may vary by plan and policy conditions.
- Review the full policy before deciding.
See the flood cover for each plan on the comparison page.
Summary
Home & fire insurance covers flood with limited amounts and a waiting period — 20,000 THB with 7 days in the sample quotes. If you worry about flood, consult our team for suitable options.