Affordable home & fire insurance with a low premium
Start protecting your home and belongings with an accessible premium. Cover your building and contents as shown in the sample quote, without paying more than you need.
Who is this plan for?
Master Home Plan 1 suits homeowners who want complete core cover on a budget
You want to start with a low premium
Start protecting your home with a premium in the low thousands while keeping core cover for your building and contents.
You prioritise core cover
You care most about fire and key-peril cover for your home and belongings, rather than higher add-on limits.
Your valuables are at a normal level
If your contents and burglary risk are average, this plan's limits are enough to start.
What Master Home Plan 1 covers
Core coverage limits of the budget plan, based on the sample quote
Building
The residential building and fixed fixtures
Contents
Furniture, electrical appliances, and personal belongings
Why actual premiums differ per home
The 2,990.65 THB figure is a sample-quote premium only. Actual premiums depend on several factors.
Building value
Homes with higher construction value have higher sums insured and premiums.
Contents value
More or higher-value contents mean a higher insured amount.
Location and area risk
Different risk areas affect premium assessment and underwriting conditions.
Underwriting conditions
The insurer considers property details and other conditions when quoting a premium.
Do not assume every home gets the sample premium. Send your details for an accurate assessment.
Key conditions of the budget plan
Flood cover is limited to 20,000 THB
This plan has 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
Cover applies to property used for personal residence, and the policyholder must be the owner, not a tenant.
Personal residence only
Not suitable for commercial buildings, shops, warehouses, or commercial-use property.
Lower burglary and liability limits than the full plan
If you value higher limits in these areas, consider the Perfect Home plan instead.
Need higher coverage limits?
If you want higher burglary, third-party liability, and temporary accommodation limits, see the Perfect Home plan.
Budget plan FAQs
Q: Is the coverage enough with a low premium?
Master Home Plan 1 keeps core cover of 1,500,000 THB for the building and 500,000 THB for contents, per the sample quote. The main difference is lower add-on limits such as burglary and third-party liability compared with Perfect Home, so consider your risk and valuables.
Q: How does Master Home Plan 1 differ from Perfect Home?
They differ mainly in add-on limits: burglary (50,000 vs 200,000 THB), third-party liability (500,000 vs 1,000,000 THB), and temporary accommodation. Both plans have the same building and contents limits.
Q: Can I buy at 2,990.65 THB right away?
That figure is a sample-quote premium, not a price everyone can get. Actual premiums depend on your home value, contents, and underwriting conditions. Send your details for an accurate assessment.
Q: Is a 50,000 THB burglary limit enough?
It depends on the value of your valuables. If you have more valuable items, consider Perfect Home, which has a 200,000 THB burglary limit.
Q: How does temporary accommodation work in this plan?
Per the sample quote, this plan covers temporary accommodation up to 10% of the main sum insured, or up to 50,000 THB per event and per year, subject to conditions in the document.
Request a Master Home Plan 1 quote
Send your details via LINE and our team will assess the actual premium for your home — free and no obligation.
Sending a message is a request for a premium estimate only, not confirmation of cover.