Home insurance that protects your building and add-on cover
For homeowners who want higher burglary, third-party liability, and temporary accommodation limits, as shown in the sample quote.
Risks homeowners should consider
Unexpected events can cause more damage than expected. A full-coverage plan helps with higher limits.
Fire or perils to your home
Damage to your building from fire, lightning, or storm, subject to policy conditions.
Burglary with forcible entry
Belongings stolen with visible signs of forcible entry — higher limits protect more valuables.
Third-party liability
Third parties injured or their property damaged within the insured premises.
Temporary relocation
Your home becomes uninhabitable and you need temporary accommodation during repairs.
Perfect Home add-on coverage limits
The key differences over the budget plan, based on the sample quote
Building
The residential building and fixed fixtures
Contents
Furniture, electrical appliances, and personal belongings
Example coverage scenarios
Example situations this plan helps with — all subject to policy conditions and limits
Partial fire damage
A fire damages your building and belongings. Insurance compensates according to the actual loss within the insured amount, subject to policy conditions.
Burglary with forcible entry
Valuables are stolen with visible signs of forcible entry. Compensation applies up to the plan's burglary limit.
A guest is injured at home
A third party is injured within the insured premises. Third-party liability helps cover this within the plan's limit.
Temporary relocation during repairs
Your home becomes uninhabitable. Temporary accommodation cover helps with costs while repairs are underway, within the limit and conditions.
Compared with the budget plan
Perfect Home suits those who value higher add-on limits in several areas, while those starting on a budget may consider Master Home Plan 1.
Conditions and policyholder requirements
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.
Flood cover is limited to 20,000 THB
Even this full plan has a 20,000 THB flood limit with a 7-day waiting period, the same as the budget plan.
Coverage is subject to policy conditions
Higher limits do not mean all-risk cover. Please review exclusions and conditions in the full policy.
Full-coverage plan FAQs
Q: Who is Perfect Home for?
It suits homeowners who want higher burglary, third-party liability, and temporary accommodation limits — for example, homes with more valuables, or those who want greater peace of mind than a budget plan.
Q: How does the 200,000 THB burglary cover work?
Per the sample quote, this plan provides a 200,000 THB burglary limit for loss of or damage to belongings from burglary with visible signs of forcible entry, subject to policy conditions.
Q: When can I use the 1,000 THB/day temporary accommodation?
When your home is damaged by a covered peril to the point of being uninhabitable and you must move out temporarily. Per the sample quote, it provides 1,000 THB/day up to 100,000 THB per event and per year, subject to conditions.
Q: What does 1,000,000 THB third-party liability cover?
It covers liability for damage to third parties within the insured premises, such as a guest injured at home, within the limit and policy conditions.
Q: How does Perfect Home differ from Master Home?
They differ in burglary (200,000 vs 50,000 THB), third-party liability (1,000,000 vs 500,000 THB), and higher temporary accommodation. Building and contents limits are the same.
Request a Perfect Home quote
Send your details via LINE and our team will assess the premium and limits that fit your home — free and no obligation.
Sending a message is a request for a premium estimate only, not confirmation of cover.