Property and Liability Insurance

Obtaining the home insurance for expats in Thailand

For most people their home or condominium is likely to be the most expensive asset they own and as such should be covered by a comprehensive policy.

That is why it is incredibly important to be able to determine the right kind of insurance. That’s where BSI Insurance Broker Limited comes in. We have been providing exceptional personal service for Insurance since 2008.

What does property insurance in Thailand cover?

Coverage varies from company to company. BSI can offer home polices from the following insurance companies: Allianz CP, LMG Insurance PCL, AXA Insurance PCL, Safety Insurance PCL. Irrespective of which insurance company you choose your policy will cover most or all of the following:

Fire/ lightning, windstorm, vehicle impact, smoke, aircraft, water damage, bush fire, earthquake, explosion, riot strikes, malicious acts and vandalism, hail
Loss of cash in premises caused by burglary
Third party liability for bodily injury and property damage
Personal Accident
Electrical Injury/ self heating
Temporary accommodation
Loss or damage caused by burglary to the insured property with forcible entry/ exit including robbery at insured premises
Loss or damage to plate glass caused by accidental breakage.

What are the general policy exclusions?

Wooden or half wooden premises or locate in conflagrative block
Gold and gold bullion, jewelry, gems, precious stones, antiques , documents, manuscripts, paintings, securities, stamps etc.
War and terrorism exclusion
Electronic data and internet exclusion

This is by no means an exhaustive list. Terms and conditions do vary from insurer to insurer, so it does pay to check carefully.