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Property Insurance

Secure your home with Property Insurance.

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4.5/5

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, such as a house, a condo, or even commercial property.

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 if you 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.

valuable items

In case of burglary, Personal & portable value item like Laptop, Camera or Smartphone will be covered.

Glass Insurance

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

Personal liability

Coverage for death or bodily injury to Third Party. As well as loss or damage to the third party property.

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. Protection from floods is often optional. 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 bursts of dams is not commonly protected in basic property insurance policies. Although you could choose to add it to your policy as additional coverage.

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 the 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.

Customer Ratings





4.5/5

205 reviews

Customer Reviews

3/4/2021

Never knew that the Thaiger did property insurance as well as the news, I was very happy with the service you guys offer. The guy who call me explained everything very well and was pretty polite.

Johnson White



18/5/2021

Must be honest it doesn’t seem that Thailand has a lot of options for property insurance as back home in the states, however, I have gathered a lot of new information from the Thaiger and took one of their plans including flood cover, which I needed to add a bit of extra, but overall I am happy with the service and the insurance.

Mitchell Turner



14/4/2021

Property insurance is something I never understood living in Thailand I also never knew that it was something I needed until the last flood we had a while ago, I would recommend anyone to read up about property insurance and apply, it’s a lot cheaper than you think and at some point you will be using it, believe me.

Tomas Fishman




9/6/2021

I got my property insurance yesterday. The process was fast and easy, everything explained to me very clearly. The installment payment option make it very easy for me.

James Murphy



23/4/2021

Although it seems that property insurance is not important in Thailand, when the insurances are that low – you might as well get one. The guy who called me was really helpful and explain exactly what my insurance cover and what it isn’t.

Caitlin Weber



20/6/2021

I am really happy with this property insurance. I had a claim last month with them and everything settled pretty fast, things went smooth. The service in English makes a big difference, I can’t imagine me going through this with Thai.

Neil Cook




2/5/2021

The information on the page was very helpful. The policies are reasonably priced, the guy was very clear about what my chosen policy is going to cover. Overall I am pretty happy with the service and the insurance I got.

Adam Mckinnon



23/6/2021

After applying with the Thaiger, a guy name Math called me and explain to me about the insurance I picked. He was very clear and polite. The policies he showed me were very flexible and I could choose the exact amount I prefer to be covered for.

Max Herti




How Much Does Property Insurance Costs?

The price of Property Insurance depends on the plan you choose, the different coverages that you want to include in your selected claims, and on the sum insured amount. We have listed a draft with different coverages to help you understand better your options.

Simple to purchase at a reasonable cost. Protect yourself, your family, and your belonging!
This insurance is offering your property protection from natural disasters such as earthquakes, tsunami, or water damages like floods. Or accidents such as fire, lightning, or explosion.

In a case of Burglary where any damage to your belonging or loss is happening, this insurance will cover you as well.
Last but not least, this property insurance covers personal liability up to ฿5,000,000 depending on the plan chosen.

Sum insured ranges from ฿1M to ฿30M

Flood cover is available to add in the Extra & Lessor plans only.

Key points:

  • Coverage for Natural Catastrophes with no deductible
  • Coverage for Personal and Portable value items
  • Personal Liability (within Thailand)
  • Additional cover for 24-hour Emergency Home Assistance
  • Flood cover up to ฿100,000
  • Premium starts from ฿3,685 per year
  • An additional discount is offered for buying a 3-year policy
  • Quarterly payment is available (with Thai credit card only)

Simple to purchase at a reasonable cost. Protect yourself and your personal possessions.
This insurance is offering your property protection from different natural disasters or accidents, excluding floods.

Fire, armed robbery, or burglary are only a few of the most common risks your property is exposed to every single day. With this insurance policy, you will be covered in most cases.

Sum insured ranges from ฿1M to ฿30M

Excluding flood cover will help you reduce the policy price

Key points:

  • Coverage for Natural Catastrophes with no deductible
  • Coverage for Personal and Portable value items
  • Personal Liability (within Thailand)
  • Additional cover for 24-hour Emergency Home Assistance
  • Flood cover excluded, lower the insurance price
  • Premium starts from as low as ฿1,557 per year
  • An additional discount is offered for buying a 3-year policy
  • Quarterly payment is available (with Thai credit card only)

Choose the insurance plan that’s right for you

Starting from

฿1,557

Basic Plan

 

The price depends on the sum insured chosen

Apply Now

Fire & Additional Perils

 

  • Fire, Lightning, Explosion, Vehicle impact, Aircraft, Water Damage (excluding Flood) up to Sum insured
  • Flood, Windstorm, Earthquake, and Hail combined limit ฿20,000 per year
  • Rental Fee for Temporary Accommodation up to ฿1,000 per day and not exceeding ฿100,000 in aggregate for loss or damage exceeding 50% of the building sum insured or ฿200,000 for a total loss of a building.

 

Extra Additional Perils

 

  • Smoke cover up to Sum insured
  • Hail cover up to ฿500,000 per occurrence, and up to ฿500,000 per year
  • Earthquake, Volcanic Eruptions, Tidal Wave, Tsunami up to ฿500,000 per occurrence, and up to ฿500,000 in aggregate per year
  • Strike, Riot or Malicious Act Endorsement (excluding any action for Political Religious or Ideological Purpose) up to ฿500,000 per occurrence, and up to ฿500,000 per year
  • Electrical Injury up to 10% of Sum Insured, not exceeding ฿500,000

 

Additional Extensions

 

  • Loss/Damage to Personal Effects up to ฿10,000 per occurrence, and up to ฿100,000 per year
  • Fire Extinguishing Expenses up to ฿10,000 per occurrence, and up to ฿100,000 per year
  • Loss/Damage caused by Falling Aerial Antenna/Tree up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year
  • Debris Removal Expenses up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year
  • Professional Costs & Fees in respect of Architects, Surveyor, Consultant Engineer up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year
  • Awnings, Blinds, Signs, or other Outdoor Fixtures/Fittings Costs up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year

 

Burglary

 

  • Loss or damage to Property Insured kept inside the building, structure up to 10% of Sum Insured, not exceeding ฿500,000
  • Damage to the building, including its doors or windows, locks, and keys up to 1% of Sum Insured, not exceeding ฿30,000
  • Personal & portable value item like Laptop, Camera, Smartphone is included in the limit of Burglary

 

Plate Glass

 

  • Breakage/Damage to the Plate Glass that are fitted/fixed as part of buildings (excluding mirrors, display window glass & showcase glass) up to 10% of Sum Insured, not exceeding ฿20,000

 

Personal liability

 

  • Death or Bodily Injury to Third Party/Loss/Damage to the Third Party Property up to 10% of Sum Insured, not exceeding ฿1,000,000.
    Territorial Limit: Within Premise

Starting from

฿2,685

Extra Plan

 

The price depends on the sum insured chosen

Apply Now

Fire & Additional Perils

 

  • Fire, Lightning, Explosion, Vehicle impact, Aircraft, Water Damage (excluding Flood) up to Sum insured
  • Flood, Windstorm, Earthquake, and Hail combined limit ฿20,000 per year
  • Rental Fee for Temporary Accommodation up to ฿2,000 per day and not exceeding ฿100,000 in aggregate for loss or damage exceeding 50% of the building sum insured or ฿200,000 for a total loss of a building.

 

Extra Additional Perils

 

  • Smoke coverup to Sum insured
  • Hail cover up to Sum insured
  • Earthquake, Volcanic Eruptions, Tidal Wave, Tsunami up to Sum insured (30% of sum insured & maximum ฿10,000,000 for risk located in Chiangmai, Chiangrai, Kampaengpetch, Maehongsorn, Tak and Kanchanaburi, Phuket, Krabi, Pang-Nga, Ranong, Trang, and Satoon, or within 1 km radius from beachfront)
  • Strike, Riot or Malicious Act Endorsement (excluding any action for Political Religious/Ideological Purpose) up to Sum insured
  • Electrical Injury up to 10% of Sum Insured, not exceeding ฿500,000
  • Flood cover up to ฿100,000 (Optional)

 

Additional Extensions

 

  • Loss/Damage to Personal Effects up to ฿20,000 per occurrence, and up to ฿200,000 per year
  • Fire Extinguishing Expenses up to ฿20,000 per occurrence, and up to ฿200,000 per year
  • Loss/Damage caused by Falling Aerial Antenna/Tree up to ฿20,000 per occurrence, and up to ฿200,000 in aggregate per year
  • Debris Removal Expenses up to ฿20,000 per occurrence, and up to ฿200,000 in aggregate per year
  • Professional Costs & Fees in respect of Architects, Surveyor, Consultant Engineer up to ฿20,000 per occurrence, and up to ฿200,000 in aggregate per year
  • Awnings, Blinds, Signs, or other Outdoor Fixtures/Fittings Costs up to ฿20,000 per occurrence, and up to ฿200,000 in aggregate per year

 

Burglary

 

  • Loss or damage to Property Insured kept inside the building, structure up to 10% of Sum Insured, not exceeding ฿1,000,000
  • Damage to the building, including its doors or windows, locks, and keys up to 1% of Sum Insured, not exceeding ฿50,000
  • Personal & portable value item like Laptop, Camera, Smartphone is included in the limit of Burglary

 

Plate Glass

 

  • Breakage/Damage to the Plate Glass that are fitted/fixed as part of buildings (excluding mirrors, display window glass & showcase glass) up to 10% of Sum Insured, not exceeding ฿500,000

 

Personal liability

 

  • Death or Bodily Injury to Third Party/Loss/Damage to the Third Party Property up to ฿5,000,000.
    Territorial Limit: Within Thailand

Starting from

฿3,759

Lessor plan
(must be the lessor/unit owner)

The price depends on the sum insured chosen

Apply Now

Fire & Additional Perils

 

  • Fire, Lightning, Explosion, Vehicle impact, Aircraft, Water Damage (excluding Flood) up to Sum insured
  • Flood, Windstorm, Earthquake, and Hail combined limit ฿20,000 per year
  • Rental Fee for Temporary Accommodation up to ฿1,000 per day and not exceeding ฿100,000 in aggregate for loss or damage exceeding 50% of the building sum insured or ฿200,000 for a total loss of a building.
  • Cover Tenant Property up to ฿100,000 on one occurrence & in aggregate per year

 

Extra Additional Perils

 

  • Smoke coverup to Sum insured
  • Hail cover up to Sum insured
  • Earthquake, Volcanic Eruptions, Tidal Wave, Tsunami up to Sum insured (30% of sum insured & maximum ฿10,000,000 for risk located in Chiangmai, Chiangrai, Kampaengpetch, Maehongsorn, Tak and Kanchanaburi, Phuket, Krabi, Pang-Nga, Ranong, Trang, and Satoon, or within 1 km radius from beachfront)
  • Strike, Riot or Malicious Act Endorsement (excluding any action for Political Religious/Ideological Purpose) up to Sum insured
  • Electrical Injury up to 10% of Sum Insured, not exceeding ฿500,000
  • Flood cover up to ฿100,000 (Optional)

 

Additional Extensions

 

  • Loss/Damage to Personal Effects up to ฿10,000 per occurrence, and up to ฿100,000 per year
  • Fire Extinguishing Expenses up to ฿10,000 per occurrence, and up to ฿100,000 per year
  • Loss/Damage caused by Falling Aerial Antenna/Tree up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year
  • Debris Removal Expenses up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year
  • Professional Costs & Fees in respect of Architects, Surveyor, Consultant Engineer up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year
  • Awnings, Blinds, Signs, or other Outdoor Fixtures/Fittings Costs up to ฿10,000 per occurrence, and up to ฿100,000 in aggregate per year

 

Burglary

 

  • Loss or damage to Property Insured kept inside the building, structure up to 10% of Sum Insured, not exceeding ฿500,000
  • Damage to the building, including its doors or windows, locks, and keys up to 1% of Sum Insured, not exceeding ฿50,000
  • Personal & portable value item like Laptop, Camera, Smartphone is included in the limit of Burglary

 

Plate Glass

 

  • Breakage/Damage to the Plate Glass that are fitted/fixed as part of buildings (excluding mirrors, display window glass & showcase glass) up to 10% of Sum Insured, not exceeding ฿500,000

 

Personal liability

 

  • Death or Bodily Injury to Third Party/Loss/Damage to the Third Party Property up to ฿5,000,000.
    Territorial Limit: Tenant within Premise, Insured within Thailand

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 Insurances 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 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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Pet Insurance

It may be hard to think about your pet getting injured or sick, but no one knows what the future holds. This insurance can help protect your pet from many unexpected situations.

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Family health insurance

Our life is based and revolves around our families. And after all, who doesn’t want the best for his family?

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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 add-ons.


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. Personal liability will often be already included in your basic policy.

Appliance Cover

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

Other Add-ons

Each insurance plan provides various extra coverage in addition to the main coverage, such as home improvements, renovation insurance, moving insurance, and personal possessions insurance. We recommend ask our agent about your other add-ons options.

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.

Although it is not compulsory, it is logical to protect your property. Property insurance is recommended to anyone, and due to the affordable prices could fit anyone – homeowner or tents.

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.

Inquire Now to Receive your Property Insurance Quotes

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Other Types of Property Insurance

Home Insurance

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Condominium Insurance

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Additional Cover for Property Insurance

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Property Insurance Guides