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Property Insurance

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Why Should You Get Your Property Insurance Through The Thaiger?

Finding the right property insurance to protect your home can be hassle as there are many diffrent types of policies available and finding the best one to suit your needs isn’t easy. The Thaiger understand that looking for property insurance can be frustrating and time consuming, that’s why we’re here to help you find the perfect Policy for you.

What is property insurance?

Property insurance offers protection for a property and its contents against natural or human-made calamities. Property insurance can protect any property, from your houses, your condos, or any commercial properties.

Sometimes referred to as fire/house insurance, property insurance will provide you with financial compensation to an owner or renter. Whether your personal belonging gets destroyed or stolen from the property or an individual other than had an accident within the property.

Property insurance will also ease your worry about any repair costs or any other renovation of your property.

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What is Covered by Property Insurance?

Property insurance has a wide range of compensations and coverage in case of property damages. Check out the list of main coverages in the section below.

Natural Disaster Coverage

Secure your home from natural disasters such as flooding, earthquakes, lightning and fires.

Theft Protection

Coverage against property loss or injury caused by robbery.

Temporary Accommodations

If the house is too damaged for you to live in, there is coverage for temporary housing.

Cash Insurance

Coverage for money stolen in your home.

Glass Insurance

Coverage for mirrors or windows in case they get damaged or broken.

How will property insurance help you?

In the event that your property got damaged, property insurance will cover possible losses and help you reduce the cost of repair. The main value of getting home insurance is to help reduce costs and reduce wasting a large sum of money for home repairs.

Fire Coverage

House fires are one of the most common causes of home destruction. If a fire totally destroys your house, additional living expenses such as hotel stays, rents, or other costs, will be covered by most standard property insurance policies.

Natural Disaster Coverage

Your homeowners’ insurance policies usually cover a wide variety of natural disasters, but not all of them. Typical coverages include lightning, thunderstorms, smoke and water hazards, and protection from floods. Coverage for smoke damage, damage caused by falling objects, or serious winds can also be included in your policy.

Flood Coverage

Flood coverage helps you with flooding caused by an internal problem, such as leaking pipes or overflowing toilets. However, flooding caused by an earthquake and other natural factors such as rising rivers, flash floods, or burst of dams is not commonly protected in the basic property insurance policies.

Personal Injury

Many insurance plans for homeowners will provide coverage for personals accidents that can happen in your home. For example, slipping or falling because of a broken step.

Robbery Coverage

In the event that your furniture or belongings in your property got stolen, everything the robber takes will be compensated for (this includes any appliances st mobile phones, computers, etc.). In addition to covering missing objects, property damage, such as door or window tampering, is also protected.

Cash Insurance

Cash insurance protects cash in your house during a theft or robbery incident. Some insurance providers will compensate and secure your home. However, some companies will not include this coverage.

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Customer Reviews


Never knew that the Thaiger did property insurance as well as the news, to be honest, this is a great addition to the thethaiger, hope everybody could benefit from their services as i have.

Johnson White


Must be completely honest it doesn’t seem that Thailand has a lot of options for property insurance as back home in the states there would be a lot more products for you to choose from, however, I have gathered a lot of new information about property insurance from the thaiger. I plan to find additional information on my own but will definitely inquire with the thaiger as it is free. Hope to hear from the thaiger soon, thank you!

Mitchell Turner


Property insurance is something I never understood living in Thailand I also never knew that it was something I needed until now, I would recommend anyone to read up about property insurance and apply for a quote is free and will give you a basic understanding of how it works and what the coverages are.

Tomas Jones


Are property insurance in Thailand and mandatory expenses? if so what is the cheapest property insurance an expat I can get?

James H. Murphy


Although it seems that property insurance is not important in Thailand, I would recommend anyone to just read the thaiger articles as it might show you the importance of getting property insurance. Its also free.

Caitlin Hills


Get covered before anything bad might happened to your building, there is plenty of additional add ons you can look into this is for both your home or your condo.

Adam Flores

How Much Does Property Insurance Costs?

The price of Property Insurance depends on the plan you choose and the different coverages that you want to include in your selected claims. We have listed a draft of a few samples on how much you will be spending and what compensation will be included in your chosen Property Insurance plans.

This plan includes coverages for Fire, Lightning, Explosion, Water Damage, Aircraft/Vehicle Impact, Windstorm, Smoke and Robbery with a minimum of 50,000 baht liability limit.

Key Points:

  • High-cost repair coverage
  • Same property value replacement

This plan includes Loss of Jewelry such as necklaces, rings, watches, etc., due to theft or robbery inside the premises.

Key Points

  • 10,xxx baht/item coverage
  • 20,xxx baht/aggregate coverage
  • Deductible 5,xxx baht per occurrence

This coverage includes any electrical injuries such as accidental contact with power outlets, power cords, or exposed parts of electrical appliances. This coverage will give you the option to choose how much you want to be covered.

Key Points:

  • Option 1 50,xxx premium coverage
  • Option 2 100,xxx premium coverage
  • Option 3 300,xxx premium coverage
  • Option 4 500,xxx premium coverage
  • Premium coverage are also tax deductible

Additional Coverage 3 includes glass insurance; it compensates for any broken mirrors, glass panes, and glass windows within your property.

Key Points:

  • Between 10,xxx to 100,xxx baht in premium coverage
  • Coverage for all of your glass ware

Public Liability Insurance covers a lump sum for property harm to third parties and/or medical expenses and death.

Key Points

  • 2,xxx,xxx coverage per year
  • 20,xxx per person, with a maximum of 200,000 baht in occurrence

A house is made of walls and beams, but a home is made of love and dreams.

I think home insurance should be a priority for your home, as it will be the basic foundation of your community. Having your house and other properties insured will also benefit your family in the future. Fortunately, I haven’t had to use it. However, it gives me peace of mind and a sense of security that my property will always be protected.

Top tip: Property insurance policies would either compensate the policyholder for the total amount of the damage or the cost of replacement for repair.

Why the Thaiger?

The Thaiger is committed to helping you protect what really matters to you, be it your health, your property or your business. We offer you unbiased comparisons, easy to read articles, and excellent customer service to help you get the best policies in the local market.

Join the many satisfied customers who’ve got their Property Insurance with the Thaiger

Interesting Insurance and Services to Check Out

Are you looking for insurance or services for your home? Check out our recommendations below and choose what you need!

Home Insurance

A type of property insurance that covers risks and damages to a private property. The policy typically includes internal harm, external damage, personal asset loss and injury that occurs while on the premises.

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Condominium Insurance

A policy that the owner of a condominium unit can purchases. It helps pay to repair your unit and your belongings if they are stolen or damaged by certain perils.

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Home Loan

Acquiring a property in Thailand can be a dream come true with a home loan! Get a home loan with flexible instalment and attractive interest rates.

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Refinancing Home

Trade your old mortgage for a new one. Get your new bank or lender to pays off your old mortgage, and refinance your new mortgage for a better interest rate.

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Extra addons for Property Insurance

Property Insurance is broken down into two main groups, individual and corporate property insurance which provides clients with a different choice of plans. Check out the list below to see your additional addons.

Loss of Jewelry Insurance

Loss of jewelry insurance offers coverage in the event of jewelry damage, theft or loss. This form of policy is essential since many insurance plans for homeowners and renters do not cover damage or loss of jewelry and pay only a low price for theft.

Personal Liability

Personal liability coverage offers financial protection to you and your family. The policy provides coverage to pay for claims of bodily injury and property damage sustained by others; family members will also be covered in this policy.

Appliance Cover

Appliance covers will cover expenses for fixing and upgrading your household equipment or systems.

Other Addons

Each insurance provider provides various extra coverage in addition to the main coverage, such as home improvements, renovation insurance, moving insurance, and personal possessions insurance.

Condo Insurance

Do you own or rent a condominium in Thailand? Then you may need condo insurance to protect it.

Condo insurance protects you from any losses and repair costs for your condominium unit. It safeguards your condo against theft, fire damage, water damage, vandalism, and more.

Even if your condominium building already has its own coverage, condo insurance can still come in handy. Many insurances for condominium buildings do not provide protection for you or your things, such as a break-in or someone injuring themselves slipping in your bathroom. This is why condo insurance designed specifically for condo owners or renters is essential.

Frequently Asked Questions About Property Insurance

Insurance plans for homeowners typically cover destruction and harm to the interior or the exterior of your house, loss or theft of possessions, and personal responsibility for damage to others. There are three specific coverage levels: real cash value, cost of replacement, and cost/value of an expanded replacement.

There is no provision for termites or insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear. Often, there is no provision for harm caused by smog or smoke from manufacturing or agricultural activities.

Property insurance in Thailand offers financial compensation to a structure’s owner or renter and its contents if harm or theft occurs and to an individual other than the owner or renter if that person got injured in the property.

Property Insurance is mostly for people who owns an expensive property, such as a house or a vehicle, real estate insurance is advisable. It can also be bought in combination with protection for liability.

Property insurance provides coverage for certain natural hazards, including, but not limited to, monsoons and floods, fires, earthquakes, burglary, and other damage associated with the weather.

An individual who is willing to take out a property insurance policy should have a financial interest in the asset that needs to be protected (insurable interest). So, if an incident causes harm to his house, the individual will be financially at a loss.

A few of the coverage available under the all-risk property insurance policy are burglary, fire, breakdown of machinery, explosion, business interruption due to fire failure, business interruption due to machinery breakdown, etc.

Property insurance protects our from financial loss. If your home or personal belongings are stolen or if another sudden situation happens that is defined under your property insurance policy, your home insurance will refund you. If a sudden circumstance happens, such as a fire, it is possible that your home and garage will need to be rebuilt. The value of items, such as furniture, electrical devices and computers, will be refunded to you or the items themselves will be replaced.

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