My Home Premium

My Home Premium

Product Description

  • Additional cover for loss of or damage to home structure and household contents due to flood and other natural perils, fire, electrical faults and other causes
  • Also covers burglary, plate glass breakage, third party liability and personal accident

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 highlights

  • 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

Plan details

Coverage
Coverages Sum Insured/Limit of Liability
1. Fire and Natural Perils
Fire
  • Fire, Lightning, Explosion, Impacts of Vehicles or Animals including Collision and/or Crushing 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 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/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 Fault (arising from Lightning 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
  1. 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
  2. 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 (necessary) in respect of Architects, Surveyors, Consultant Engineers, 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 (necessary)

Up to 10,000 baht per occurrence and 100,000 baht in aggregate

2. Burglary

Theft, Robbery, Gang-Robbery (with forcible entry to / exit from the property insured)

  • Loss/Damage to property insured kept inside building or structure

10% of sum insured, but not exeeding 1,000,000 baht per occurrence and in aggregate

  • Damage to the building or structure containing the property insured, including its doors or windows, locks and keys
3. Plate Glass
  • Loss/Damage to Plate Glass, that is 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 premises

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

Premium
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
See all Home products