Home & Fire Insurance to protect your house and belongings
Cover both your building and your belongings, with add-on protection such as burglary, third-party liability, and temporary accommodation. Choose a plan that matches your home value and needs.
Get a quote in 3 steps
Simple, with our team guiding every step
Prepare your home details
Tell us your home type, building value, and approximate contents value.
Send details via LINE
Our team checks the details and estimates a premium that fits your home.
Get your quote and decide
Compare plans with our team before deciding — free and no obligation.
Underwritten by Allianz Ayudhya · PrakanEV experts verify the details and help choose the plan that fits your home
What does home & fire insurance cover?
Core cover for your building and belongings against the following perils, subject to policy conditions
Fire
Damage from fire to your building and belongings, up to the insured amount
Lightning
Damage caused by lightning to your building and belongings, subject to policy conditions
Storm
Damage from storms, within the scope and conditions stated in the policy
Water damage
Damage from water due to burst pipes, leaks, or home appliances, subject to policy conditions (separate from flood cover, which has its own limit)
Burglary (forcible entry)
Loss of or damage to belongings from burglary with visible signs of forcible entry, up to each plan's limit
Third-party liability
Liability for damage to third parties within the insured premises, up to each plan's limit
Two clear parts: building vs. contents
Home & fire insurance splits the sum insured into two main parts so you can assess cover against actual value
Building
The residential building and its fixed fixtures, such as walls, roof, flooring, and main structure
Contents
Furniture, electrical appliances, and personal belongings inside the home, subject to policy limits and conditions
The figures shown are from sample quotes with 2,000,000 THB total sum insured. The right amount to insure should be assessed from your own home's condition and value.
Choose the plan that fits your home
Two plans from Allianz Ayudhya, differing in add-on coverage limits. Choose based on what matters to you.
Master Home Plan 1
- Building 1,500,000 THB
- Contents 500,000 THB
- Burglary 50,000 THB
- Third-party liability 500,000 THB
- Temporary accommodation up to 50,000 THB, subject to conditions
For those who want to start with a budget-friendly premium while keeping core cover for the home and belongings
Interested in Master HomePerfect Home
- Building 1,500,000 THB
- Contents 500,000 THB
- Burglary 200,000 THB
- Third-party liability 1,000,000 THB
- Temporary accommodation 1,000 THB/day, up to 100,000 THB
For those who value higher burglary, third-party liability, and temporary accommodation limits
Interested in Perfect HomeKey coverage comparison
Compare Master Home Plan 1 and Perfect Home based on sample quotes
| Item | Master Home Plan 1 | Perfect Home |
|---|---|---|
| Annual premium (incl. tax & duties) | 2,990.65 THB | 5,500.87 THB |
| Total sum insured (sample) | 2,000,000 THB | 2,000,000 THB |
| Building | 1,500,000 THB | 1,500,000 THB |
| Contents | 500,000 THB | 500,000 THB |
| Flood cover limit | 20,000 THB | 20,000 THB |
| Burglary (forcible entry) | 50,000 THB | 200,000 THB |
| Third-party liability | 500,000 THB | 1,000,000 THB |
| Temporary accommodation | Up to 50,000 THB, subject to conditions | Up to 100,000 THB, subject to conditions |
Important conditions to know before deciding
Check these clearly before requesting a quote, so the plan matches your home and situation
Flood cover is limited to 20,000 THB
Both plans state a 20,000 THB flood limit with a 7-day waiting period. It does not cover every flood case or provide an unlimited amount.
Policyholder must own the property
The documents state cover applies to property used for personal residence, and the policyholder must be the owner, not a tenant.
Personal residence only
These two plans suit personal residences, not commercial buildings, shops, warehouses, or commercial-use property.
Premiums and limits depend on the property
Sample-quote figures are not prices everyone can get. Actual premiums depend on property details and underwriting conditions.
Please review the full policy and underwriting conditions before publishing or purchasing. Our team can help verify details for your home.
Home & fire insurance FAQs
Q: What does home & fire insurance cover?
It covers key perils to your building and contents, such as fire, lightning, storm, and water damage, within each plan's scope and limits. It also includes add-on cover such as burglary with forcible entry, third-party liability, and temporary accommodation, subject to policy conditions.
Q: Does home & fire insurance cover flood?
The plans in the sample quotes have a 20,000 THB flood limit with a 7-day waiting period, meaning cover is limited to that amount only — not all flood cases or an unlimited amount. Please review the full policy conditions.
Q: How much sum insured should I choose?
Assess the value of your building and contents based on actual condition, not just the purchase price. Under-insuring may leave you short if a loss occurs. Our team can help assess a suitable amount.
Q: How much does home insurance cost per year?
From sample quotes, premiums start at 2,990.65 THB/year (Master Home Plan 1) up to 5,500.87 THB/year (Perfect Home), including tax and duties. Actual prices depend on your home's value, contents, and underwriting conditions.
Q: Can a tenant buy home & fire insurance?
Based on the sample quote documents, the policyholder must be the property owner, not a tenant, and the property must be used for personal residence. If your situation differs, please ask our team to check suitable products.
Q: How is a fire loss compensated?
Compensation depends on the sum insured, damage assessment, and policy conditions — it does not mean you always receive the full sum insured. Keep relevant documents and contact our team for guidance on filing a claim correctly.
Request a quote for your home
Send your details via LINE and our team will help check the plan that fits your home, comparing premiums and limits — free of charge.
Sending a message is a request for a premium estimate only, not confirmation of cover. Our team will check property details and conditions before recommending a suitable plan.