My Home Premium

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My Home Premium Home Insurance provides comprehensive coverage for your home and its contents, with a maximum sum insured of 50 million Baht. Covers loss or damage arising from natural perils (including flood), fire, water damage, and electrical faults with coverage of up to 100,000 Baht in damages caused by floods. Provision of rental costs for temporary accommodation in the event the loss exceeds 50% of the cost of replacement. (Also enjoy an additional discount when you buy a 3-year policy.)

Key features

Protects the structure of your home and its contents for up to 50 million Baht.

Covers loss or damage arising from fire, lightning, explosion, vehicle impact, aircraft, water damage, smoke, electrical faults, natural perils (including flood), burglary, third party liability and other perils.

24-hour worldwide personal accident cover for the insured up to 200,000 Baht.

Plan details

      
    Covers loss or damage caused by flood up to 120,000 Baht.
Provision of rental fee for temporary accommodation in the event amount of loss exceeds 50%.
Covers loss of or damage to property insured arising from theft with forcible entry to or exit from insured building.
Covers loss or damage caused by specific perils to personal effects and clothing items kept within the insured building.
Enjoy an additional discount when you buy a 3-year policy.

Coverages	Sum Insured/ Limit of Liability
1. Fire & Natural Perils
Fire Fire, Lightning, Explosion, Impacts of Vehicles or Animals including Collision and/or Crush by Falling Cargoes carried by the Vehicles or Animals, Aircraft and/or Falling Objects from Aircraft, and Water Damage (excluding Flood) Smoke	More than and equal 500,000 Baht
Natural Perils Flood, Windstorm, Earthquake or Volcanic Eruption or Tidal wave or Tsunami and Hail (combined limit)	Combined single limit 20,000 Baht per occurrence and in annual aggregate
Additional Perils: Loss/Damage arising from
Hail	Up to 200,000 Baht per occurrence and in aggregate
Windstorm	Up to 200,000 Baht per occurrence and in aggregate
Earthquake, or Volcanic Eruptions, or Tidal Wave, or Tsunami	Up to 200,000 Baht per occurrence and in aggregate
Flood	Up to 100,000 Baht per occurrence and in aggregate
Strike Riot Malicious Act	Up to 200,000 Baht per occurrence and in aggregate
Electrical Injury (arising from Lighting or resulting in fire)	Up to 100,000 Baht per occurrence and in aggregate
Additional Extensions for Coverage Section 1 (Fire & Additional Perils)
Expense and/or Fee for Temporary Accommodation	Loss/Damage exceeding 50% of the cost of replacing the building or structure For Class 1 Construction: Up to 1,000 Baht per day & 100,000 Baht in aggregate For Class 2 Construction: Up to 500 Baht per day & 50,000 Baht in aggregate Loss/Damage equivalent to the cost of replacing the building or structure For Class 1 Construction: Up to 1,000 Baht per day & 200,000 Baht in aggregate For Class 2 Construction: Up to 500 Baht per day & 100,000 Baht in aggregate
Loss/Damage to Personal Effects	Up to 10,000 Baht per occurrence and 100,000 Baht in aggregate
Fire Extinguishing Expenses (necessary)	Up to 10,000 Baht per occurrence and 100,000 Baht in aggregate
Loss/Damage caused by Falling Aerial Antenna and/or Tree	Up to 10,000 Baht per occurrence and 100,000 Baht in aggregate
Debris Removal Expenses for the damaged property	Up to 10,000 Baht per occurrence and 100,000 Baht in aggregate
Professional Costs & Fees in respect of Architects, Surveyor, Consultant Engineer, Legal Advisors : to repair/recover the damaged property	Up to 10,000 Baht per occurrence and 100,000 Baht in aggregate
Awnings, Blinds, Signs, or Other Outdoor Fixtures or Fittings Costs	Up to 10,000 Baht per occurrence and 100,000 Baht in aggregate
2. Burglary
Theft, Robbery, Gang-Robbery (with forcible entry to or exit from insured building)
Loss/Damage to property insured kept inside building or structure Damage to the building or structure containing the property insured, including its doors or windows, locks and keys	10% of sum insured, but not exeeding 1,000,000 Baht per occurrence and in aggregate
3. Plate Glass
Loss/Damage to the Plate Glass, that are fitted or fixed as part of buildings, arising from external accidental causes	Up to 50,000 Baht per occurrence and in aggregate
4. Public Liability
In respect of death / bodily injury / illness of any person / loss of or damage to property of any person within the insured premise	Up to 1,000,000 Baht per occurrence and in aggregate
5. Personal Accident
PA 2 (Orbor 2):Accidental Death, Dismemberment or Loss of Sight/Hearing/Speech, or Permanent Disability (excluding Motorcycle Accident)	Up to 200,000 Baht (Age 1-70 years) per occurrence and in aggregate
Death Benefit from accident: Compensation for Loss of Life of the members of insured's Family (caused by the perils under Coverage 1 or 2)	Up to 100,000 Baht per person (Maximum 3 persons) Age 1–70 years & per occurrence and in aggregate

Sum Insured (Baht)	Period 1 Year		Period 3 Years
	Concrete	Mixed	Concrete	Mixed
500,000	2,813.03	3,336.26	7,032.04	8,340.65
600,000	2,911.47	3,539.56	7,279.21	8,846.76
700,000	3,009.91	3,741.79	7,524.24	9,355.01
800,000	3,108.35	3,945.09	7,770.34	9,862.19
900,000	3,206.79	4,148.39	8,017.51	10,370.44
1,000,000	3,306.30	4,351.69	8,264.68	10,877.62
1,100,000	3,403.67	4,553.92	8,508.64	11,385.87
1,200,000	3,503.18	4,757.22	8,755.81	11,893.05
1,300,000	3,601.62	4,960.52	9,002.98	12,401.30
1,400,000	3,698.99	5,163.82	9,248.01	12,908.48
1,500,000	3,798.50	5,366.05	9,495.18	13,415.66
1,600,000	3,896.94	5,569.35	9,742.35	13,922.84
1,700,000	3,994.31	5,772.65	9,986.31	14,431.09
1,800,000	4,093.82	5,975.95	10,233.48	14,938.27
1,900,000	4,192.26	6,179.25	10,480.65	15,446.52
2,000,000	4,290.70	6,381.48	10,726.75	15,953.70
2,100,000	4,389.14	6,584.78	10,971.78	16,461.95
2,200,000	4,487.58	6,788.08	11,218.95	16,969.13
2,300,000	4,587.09	6,991.38	11,466.12	17,477.38
2,400,000	4,684.46	7,193.61	11,710.08	17,983.49
2,500,000	4,782.90	7,396.91	11,957.25	18,491.74
2,600,000	4,882.41	7,600.21	12,204.42	18,998.92
2,700,000	4,979.78	7,803.51	12,449.45	19,507.17
2,800,000	5,078.22	8,005.74	12,696.62	20,014.35
2,900,000	5,177.73	8,209.04	12,943.79	20,522.60
3,000,000	5,276.17	8,412.34	13,190.96	21,029.78
3,100,000	5,374.61	8,615.64	13,434.92	21,538.03
3,200,000	5,473.05	8,817.87	13,681.02	22,045.21
3,300,000	5,571.49	9,021.17	13,928.19	22,552.39
3,400,000	5,669.93	9,224.47	14,173.22	23,059.57
3,500,000	5,768.37	9,427.77	14,420.39	23,567.82
3,600,000	5,866.81	9,630.00	14,667.56	24,075.00
3,700,000	5,965.25	9,833.30	14,911.52	24,583.25
3,800,000	6,063.69	10,036.60	15,158.69	25,090.43
3,900,000	6,162.13	10,239.90	15,405.86	25,598.68
4,000,000	6,261.64	10,442.13	15,653.03	26,105.86
4,100,000	6,359.01	10,645.43	15,898.06	26,614.11
4,200,000	6,458.52	10,848.73	16,145.23	27,120.22
4,300,000	6,556.96	11,052.03	16,392.40	27,628.47
4,400,000	6,654.33	11,254.26	16,635.29	28,135.65
4,500,000	6,753.84	11,457.56	16,882.46	28,643.90
4,600,000	6,852.28	11,660.86	17,129.63	29,151.08
4,700,000	6,949.65	11,864.16	17,374.66	29,659.33
4,800,000	7,049.16	12,066.39	17,621.83	30,166.51
4,900,000	7,147.60	12,269.69	17,869.00	30,674.76
5,000,000	7,246.04	12,472.99	18,116.17	31,181.94
5,100,000	7,344.48	12,676.29	18,360.13	31,689.12
5,200,000	7,442.92	12,878.52	18,607.30	32,196.30
5,300,000	7,542.43	13,081.82	18,854.47	32,704.55
5,400,000	7,639.80	13,285.12	19,099.50	33,211.73
5,500,000	7,738.24	13,488.42	19,346.67	33,719.98
5,600,000	7,837.75	13,690.65	19,592.77	34,227.16
5,700,000	7,935.12	13,893.95	19,836.73	34,735.41
5,800,000	8,033.56	14,097.25	20,083.90	35,242.59
5,900,000	8,133.07	14,300.55	20,331.07	35,750.84
6,000,000	8,231.51	14,502.78	20,578.24	36,256.95
6,100,000	8,329.95	14,706.08	20,823.27	36,765.20
6,200,000	8,428.39	14,909.38	21,070.44	37,272.38
6,300,000	8,526.83	15,112.68	21,317.61	37,780.63
6,400,000	8,625.27	15,315.98	21,561.57	38,287.81
6,500,000	8,723.71	15,518.21	21,808.74	38,796.06
6,600,000	8,822.15	15,721.51	22,055.91	39,303.24
6,700,000	8,920.59	15,924.81	22,300.94	39,811.49
6,800,000	9,019.03	16,128.11	22,547.04	40,318.67
6,900,000	9,117.47	16,330.34	22,794.21	40,826.92
7,000,000	9,216.98	16,533.64	23,041.38	41,333.03
7,100,000	9,314.35	16,736.94	23,285.34	41,841.28
7,200,000	9,413.86	16,940.24	23,532.51	42,348.46
7,300,000	9,512.30	17,142.47	23,779.68	42,856.71
7,400,000	9,609.67	17,345.77	24,024.71	43,363.89
7,500,000	9,709.18	17,549.07	24,271.88	43,872.14
7,600,000	9,807.62	17,752.37	24,519.05	44,379.32
7,700,000	9,904.99	17,954.60	24,763.01	44,887.57
7,800,000	10,004.50	18,157.90	25,010.18	45,394.75
7,900,000	10,102.94	18,361.20	25,257.35	45,901.93
8,000,000	10,201.38	18,564.50	25,503.45	46,409.11
8,100,000	10,299.82	18,766.73	25,748.48	46,917.36
8,200,000	10,398.26	18,970.03	25,995.65	47,424.54
8,300,000	10,497.77	19,173.33	26,242.82	47,932.79
8,400,000	10,595.14	19,376.63	26,486.78	48,439.97
8,500,000	10,693.58	19,578.86	26,733.95	48,948.22
8,600,000	10,793.09	19,782.16	26,981.12	49,455.40
8,700,000	10,890.46	19,985.46	27,226.15	49,963.65
8,800,000	10,988.90	20,188.76	27,473.32	50,469.76
8,900,000	11,088.41	20,390.99	27,720.49	50,978.01
9,000,000	11,186.85	20,594.29	27,967.66	51,485.19
9,100,000	11,285.29	20,797.59	28,211.62	51,993.44
9,200,000	11,383.73	21,000.89	28,457.72	52,500.62
9,300,000	11,482.17	21,203.12	28,704.89	53,008.87
9,400,000	11,580.61	21,406.42	28,949.92	53,516.05
9,500,000	11,679.05	21,609.72	29,197.09	54,024.30
9,600,000	11,777.49	21,813.02	29,444.26	54,531.48
9,700,000	11,875.93	22,015.25	29,688.22	55,038.66
9,800,000	11,974.37	22,218.55	29,935.39	55,545.84
9,900,000	12,072.81	22,421.85	30,182.56	56,054.09
10,000,000	12,172.32	22,625.15	30,429.73	56,561.27
10,100,000	12,254.71	22,812.40	30,637.31	57,032.07
10,200,000	12,338.17	23,000.72	30,845.96	57,501.80
10,300,000	12,422.70	23,189.04	31,055.68	57,971.53
10,400,000	12,505.09	23,377.36	31,262.19	58,441.26
10,500,000	12,588.55	23,564.61	31,471.91	58,912.06
10,600,000	12,673.08	23,752.93	31,680.56	59,381.79
10,700,000	12,755.47	23,941.25	31,888.14	59,851.52
10,800,000	12,838.93	24,128.50	32,097.86	60,321.25
10,900,000	12,923.46	24,316.82	32,307.58	60,792.05
11,000,000	13,006.92	24,505.14	32,517.30	61,261.78
11,100,000	13,089.31	24,692.39	32,722.74	61,731.51
11,200,000	13,173.84	24,880.71	32,932.46	62,201.24
11,300,000	13,257.30	25,069.03	33,142.18	62,672.04
11,400,000	13,339.69	25,257.35	33,349.76	63,141.77
11,500,000	13,423.15	25,444.60	33,558.41	63,611.50
11,600,000	13,507.68	25,632.92	33,768.13	64,081.23
11,700,000	13,590.07	25,821.24	33,974.64	64,552.03
11,800,000	13,673.53	26,008.49	34,184.36	65,021.76
11,900,000	13,758.06	26,196.81	34,394.08	65,491.49
12,000,000	13,841.52	26,385.13	34,602.73	65,961.22
12,100,000	13,923.91	26,572.38	34,810.31	66,432.02
12,200,000	14,008.44	26,760.70	35,020.03	66,901.75
12,300,000	14,091.90	26,949.02	35,229.75	67,371.48
12,400,000	14,174.29	27,137.34	35,435.19	67,841.21
12,500,000	14,258.82	27,324.59	35,644.91	68,312.01
12,600,000	14,342.28	27,512.91	35,854.63	68,781.74
12,700,000	14,424.67	27,701.23	36,062.21	69,251.47
12,800,000	14,509.20	27,888.48	36,271.93	69,721.20
12,900,000	14,592.66	28,076.80	36,480.58	70,192.00
13,000,000	14,676.12	28,265.12	36,690.30	70,661.73
13,100,000	14,758.51	28,452.37	36,896.81	71,131.46
13,200,000	14,843.04	28,640.69	37,106.53	71,601.19
13,300,000	14,926.50	28,829.01	37,315.18	72,071.99
13,400,000	15,008.89	29,017.33	37,522.76	72,541.72
13,500,000	15,093.42	29,204.58	37,732.48	73,011.45
13,600,000	15,176.88	29,392.90	37,942.20	73,481.18
13,700,000	15,259.27	29,581.22	38,148.71	73,951.98
13,800,000	15,343.80	29,768.47	38,357.36	74,421.71
13,900,000	15,427.26	29,956.79	38,567.08	74,891.44
14,000,000	15,510.72	30,145.11	38,776.80	75,361.17
14,100,000	15,594.18	30,332.36	38,984.38	75,831.97
14,200,000	15,677.64	30,520.68	39,193.03	76,301.70
14,300,000	15,761.10	30,709.00	39,402.75	76,771.43
14,400,000	15,843.49	30,897.32	39,609.26	77,241.16
14,500,000	15,928.02	31,084.57	39,818.98	77,711.96
14,600,000	16,011.48	31,272.89	40,028.70	78,181.69
14,700,000	16,093.87	31,461.21	40,235.21	78,651.42
14,800,000	16,178.40	31,648.46	40,444.93	79,121.15
14,900,000	16,261.86	31,836.78	40,654.65	79,591.95
15,000,000	16,345.32	32,025.10	40,864.37	80,061.68
15,100,000	16,428.78	32,212.35	41,069.81	80,531.41
15,200,000	16,512.24	32,400.67	41,279.53	81,001.14
15,300,000	16,595.70	32,588.99	41,489.25	81,471.94
15,400,000	16,679.16	32,777.31	41,696.83	81,941.67
15,500,000	16,762.62	32,964.56	41,906.55	82,411.40
15,600,000	16,846.08	33,152.88	42,115.20	82,881.13
15,700,000	16,929.54	33,341.20	42,321.71	83,351.93
15,800,000	17,013.00	33,528.45	42,531.43	83,821.66
15,900,000	17,096.46	33,716.77	42,741.15	84,291.39
16,000,000	17,179.92	33,905.09	42,949.80	84,761.12
16,100,000	17,263.38	34,092.34	43,157.38	85,231.92
16,200,000	17,346.84	34,280.66	43,367.10	85,701.65
16,300,000	17,430.30	34,468.98	43,576.82	86,171.38
16,400,000	17,513.76	34,657.30	43,783.33	86,641.11
16,500,000	17,597.22	34,844.55	43,991.98	87,111.91
16,600,000	17,680.68	35,032.87	44,201.70	87,581.64
16,700,000	17,764.14	35,221.19	44,409.28	88,051.37
16,800,000	17,847.60	35,408.44	44,619.00	88,521.10
16,900,000	17,931.06	35,596.76	44,827.65	88,991.90
17,000,000	18,015.59	35,785.08	45,037.37	89,461.63
17,100,000	18,097.98	35,972.33	45,243.88	89,931.36
17,200,000	18,181.44	36,160.65	45,453.60	90,401.09
17,300,000	18,265.97	36,348.97	45,663.32	90,871.89
17,400,000	18,348.36	36,537.29	45,869.83	91,341.62
17,500,000	18,431.82	36,724.54	46,079.55	91,811.35
17,600,000	18,515.28	36,912.86	46,289.27	92,281.08
17,700,000	18,598.74	37,101.18	46,495.78	92,751.88
17,800,000	18,682.20	37,288.43	46,704.43	93,221.61
17,900,000	18,765.66	37,476.75	46,914.15	93,691.34
18,000,000	18,850.19	37,665.07	47,123.87	94,161.07
18,100,000	18,932.58	37,852.32	47,331.45	94,631.87
18,200,000	19,016.04	38,040.64	47,541.17	95,101.60
18,300,000	19,100.57	38,228.96	47,749.82	95,571.33
18,400,000	19,182.96	38,417.28	47,956.33	96,041.06
18,500,000	19,266.42	38,604.53	48,166.05	96,511.86
18,600,000	19,350.95	38,792.85	48,375.77	96,981.59
18,700,000	19,433.34	38,981.17	48,582.28	97,451.32
18,800,000	19,516.80	39,168.42	48,792.00	97,921.05
18,900,000	19,600.26	39,356.74	49,001.72	98,391.85
19,000,000	19,684.79	39,545.06	49,211.44	98,861.58
19,100,000	19,767.18	39,732.31	49,416.88	99,331.31
19,200,000	19,850.64	39,920.63	49,626.60	99,801.04
19,300,000	19,935.17	40,108.95	49,836.32	100,271.84
19,400,000	20,017.56	40,297.27	50,043.90	100,741.57
19,500,000	20,101.02	40,484.52	50,253.62	101,211.30
19,600,000	20,185.55	40,672.84	50,462.27	101,681.03
19,700,000	20,267.94	40,861.16	50,668.78	102,151.83
19,800,000	20,351.40	41,048.41	50,878.50	102,621.56
19,900,000	20,435.93	41,236.73	51,088.22	103,091.29
20,000,000	20,519.39	41,425.05	51,296.87	103,561.02

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Selected: Period 1 Year Period 3 Years

Remark

Premium is inclusive of stamp duty and payable by the insured.

MSIG Contact Centre
Tel: 02 007 9000
Email: Click here
Monday – Friday (8.30 a.m. – 9.00 p.m.), Saturday (9.00 a.m. – 6.30 p.m.)
(Except Sunday and Official Holidays)

MSIG Emergency Home Assistance

It is a comprehensive insurance plan.

It covers houses, residential units, and personal property within the residence from fire, lightning, explosion, water damage, floods, windstorms, earthquakes, hail, Electrical Injury, theft, accidental glass breakage, personal liability, and personal accidents.

The insurance value of buildings is calculated based on the estimated construction cost, excluding land and foundations.

It covers your home and property within your home, and it also covers damage to neighboring houses under the section for personal liability.

Yes, the My Home Premium plan covers the cost of temporary accommodation.

If you purchase 3 years of coverage, the premium is 250% of the 1-year premium.

Brochure_Baan Than Rak_My Home Plus & Premium_2025_1.pdf

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My Home Premium

Key features

Plan details

Coverage

1. Fire & Natural Perils

Fire

Fire, Lightning, Explosion, Impacts of Vehicles or Animals including Collision and/or Crush by Falling Cargoes carried by the Vehicles or Animals, Aircraft and/or Falling Objects from Aircraft, and Water Damage (excluding Flood)

Smoke

Natural Perils

Flood, Windstorm, Earthquake or Volcanic Eruption or Tidal wave or Tsunami and Hail (combined limit)

Additional Perils: Loss/Damage arising from

Hail

Windstorm

Earthquake, or Volcanic Eruptions, or Tidal Wave, or Tsunami

Flood

Strike Riot Malicious Act

Electrical Injury (arising from Lighting or resulting in fire)

Additional Extensions for Coverage Section 1 (Fire & Additional Perils)

Expense and/or Fee for Temporary Accommodation

Loss/Damage to Personal Effects

Fire Extinguishing Expenses (necessary)

Loss/Damage caused by Falling Aerial Antenna and/or Tree

Debris Removal Expenses for the damaged property

Professional Costs & Fees in respect of Architects, Surveyor, Consultant Engineer, Legal Advisors : to repair/recover the damaged property

Awnings, Blinds, Signs, or Other Outdoor Fixtures or Fittings Costs

2. Burglary

Theft, Robbery, Gang-Robbery (with forcible entry to or exit from insured building)

Loss/Damage to property insured kept inside building or structure

Damage to the building or structure containing the property insured, including its doors or windows, locks and keys

3. Plate Glass

Loss/Damage to the Plate Glass, that are fitted or fixed as part of buildings, arising from external accidental causes

4. Public Liability

In respect of death / bodily injury / illness of any person / loss of or damage to property of any person within the insured premise

5. Personal Accident

PA 2 (Orbor 2):Accidental Death, Dismemberment or Loss of Sight/Hearing/Speech, or Permanent Disability (excluding Motorcycle Accident)

Death Benefit from accident: Compensation for Loss of Life of the members of insured's Family (caused by the perils under Coverage 1 or 2)

Premium

500,000

600,000

700,000

800,000

900,000

1,000,000

1,100,000

1,200,000

1,300,000

1,400,000

1,500,000

1,600,000

1,700,000

1,800,000

1,900,000

2,000,000

2,100,000

2,200,000

2,300,000

2,400,000

2,500,000

2,600,000

2,700,000

2,800,000

2,900,000

3,000,000

3,100,000

3,200,000

3,300,000

3,400,000