Home & contents

Home & Contents Insurance

Independent broker

Listed on RevIQ · view this listing's full schemaView on map

Comprehensive home cover — building structure, contents, personal liability, flood, fire, burglary.

Description

Home cover for owners and long-term tenants (12-month leases and up). Covers the building structure, the contents inside (furniture, electronics, clothing), and your personal liability to visitors if someone is injured in your home. Flood, fire, lightning, storm and burglary are all in by default — Bangkok's October-November floods make flood cover essential, not optional. Replacement-cost basis (we get you a new sofa, not the depreciated value of a 7-year-old sofa). We quote across Bangkok Insurance, Dhipaya, MSIG, Allianz Ayudhya, and Sompo.

Features

✓Building structure up to THB 20M sum insured
✓Contents up to THB 5M (replacement-cost basis)
✓Flood + fire + storm + lightning + burglary
✓Personal liability THB 1-5M
✓Alternative accommodation while uninhabitable
✓Owner OR tenant — both eligible

Warranty & guarantees

In-house warranty· Lifetime claims-support guarantee · 14-day free cancellation

Satisfaction guarantee

If we can't beat your current renewal quote on equivalent coverage, we'll tell you — and tell you to stay where you are. We win by being honest, not by churning policies.

Return policy

Thai law gives every new insurance policy a 14-day free-look period — full refund of premium if you cancel within 14 days of issue. After that, refunds are pro-rata per the policy's cancellation schedule.

Pricing

Condo / apartment

฿4,500

Contents + liability. For tenants + condo owners.

✓Contents up to THB 1M
✓Personal liability THB 1M
✓Alternative accommodation 30 days

House / townhouse

Recommended

฿8,500

Building + contents + liability.

✓Building up to THB 10M
✓Contents up to THB 2M
✓Flood + fire + burglary
✓Personal liability THB 3M

Luxury home

฿22,000

High-value home + contents + jewellery rider.

✓Building up to THB 20M
✓Contents up to THB 5M
✓Jewellery / fine art rider
✓Domestic-staff liability included

Trust

4.9·274 reviews on Google 4.8·162 reviews on Facebook

VerifiedFast response10+ yearsHighly recommendedAward winner

Team

Khun Apirak

Managing Broker & Founder

Khun Niran

Head of Claims

Sarah Williamson

Expat & International Desk

How it works

Quote in 1 hour
Within 1 hour
Tell us what you need; we run it across all 14 carriers we work with and surface the best 3 options — usually within the hour, never more than same-day.
Compare & decide
Same day
Side-by-side comparison of premium, coverage, exclusions, claim ratio. We explain trade-offs in plain English/Thai — no insurance jargon.
Bind & pay
≤ 24h
E-sign the application; pay annual, semi-annual, quarterly, monthly, or 0% installment. Policy issued within 24h.
Claim coordination
Throughout the policy
File a claim through us — never alone. We pre-validate the paperwork with the carrier and chase weekly until paid.
Proactive renewal
Annual
60/30/14-day automated renewal reach-out. We re-quote across all carriers each year to make sure you're not silently paying more.

In the press

Bangkok Post Business

How independent brokers are reshaping Thailand's insurance buying journey

2025

Thai Insurance Review

MDRT Thailand 2024: the brokerages punching above their weight

2024

Coconuts Bangkok

The expat's guide to actually getting your insurance claim paid in Thailand

2025

Details

Title: Home & Contents Insurance
Specialisation: Independent broker
Category: Property
OIC license number: IB-29841
Tags: property, home, contents, flood, fire, burglary, liability, homeowner, tenant
Brokerage / firm name: Bangkok Insurance Group
Years in insurance: 22
Team size: 14
Accreditations: OIC-licensed broker, Insurance Brokers Association member, MDRT (Million Dollar Round Table), Court of the Table
Short description: Comprehensive home cover — building structure, contents, personal liability, flood, fire, burglary.
Policy types offered: Property
Long description: Home cover for owners and long-term tenants (12-month leases and up). Covers the building structure, the contents inside (furniture, electronics, clothing), and your personal liability to visitors if someone is injured in your home. Flood, fire, lightning, storm and burglary are all in by default — Bangkok's October-November floods make flood cover essential, not optional. Replacement-cost basis (we get you a new sofa, not the depreciated value of a 7-year-old sofa). We quote across Bangkok Insurance, Dhipaya, MSIG, Allianz Ayudhya, and Sompo.
Carriers offered: Bangkok Insurance, Dhipaya Insurance, MSIG Insurance, Allianz Ayudhya, Sompo Insurance, Muang Thai Insurance, Generali, Tokio Marine Life
Features: [object Object], [object Object], [object Object], [object Object], [object Object], [object Object]
Coverage tiers: Standard, Premium, Executive / VIP
Multi-carrier quoting: true
Annual premium handled — from: ฿4,500
Annual premium handled — to: ฿65,000
Gallery: https://images.unsplash.com/photo-1560448204-e02f11c3d0e2?w=1200,https://images.unsplash.com/photo-1568605114967-8130f3a36994?w=1200,https://images.unsplash.com/photo-1502672023488-70e25813eb80?w=1200
Claim coordination offered: true
Renewal automation: true
Typical response time: Same day
Instant online quotes: false
Direct billing with carriers: false
Payment plans accepted: Annual only, Semi-annual, Quarterly
Languages: Thai, English, Chinese (Mandarin), Japanese
Location: [object Object]
Client segments served: Individuals, Families, Expats in Thailand, High net worth, SME businesses
Maps URL: https://maps.app.goo.gl/bangkok-insurance-demo-sukhumvit-23
Expat-friendly: true
Price: ฿4,500
Price type: From (min of variants)
Billing period: Year
Price negotiable: false
Featured: false
Badge: Home & contents
Valid from: 2026-06-03T12:54:04.444Z
Valid until: 2026-07-03T12:54:04.444Z
CTA label: Quote my home
Order URL: https://lin.ee/bangkok-insurance-demo
Meta title: Home & Contents Insurance — Bangkok Insurance Group
Meta description: Building + contents + liability. Flood + fire + burglary included. From THB 4,500/year. Quoted across 8 carriers.
Facebook caption: Building + contents + liability. Flood + fire + burglary included. From THB 4,500/year. Quoted across 8 carriers.
LINE caption: Building + contents + liability. Flood + fire + burglary included. From THB 4,500/year. Quoted across 8 carriers.
WhatsApp caption: Building + contents + liability. Flood + fire + burglary included. From THB 4,500/year. Quoted across 8 carriers.
LinkedIn caption: Building + contents + liability. Flood + fire + burglary included. From THB 4,500/year. Quoted across 8 carriers.
VAT rate (%): 7

Frequently asked questions

Am I covered for floods?

Yes — flood is included by default on every tier we quote (Bangkok's flood-season exposure makes flood-exclusion policies effectively worthless). Submersion at ground-floor level is covered; basements and parking garages may have sub-limits.

Tenants vs. owners — does it matter?

Tenants only need contents + liability (the landlord insures the building). Owners need building + contents + liability. We pick the right policy based on what you're insuring.

Are my electronics covered if they're stolen?

Yes — burglary is included, with theft-from-locked-premises cover. Items taken outside the home (laptop in a cafe) need a Personal Effects rider, which we can add at +THB 800/year.

What about jewellery and watches?

Standard contents has a per-item sub-limit around THB 30,000 for jewellery / watches / fine art. Above that, you specify items with a Jewellery & Valuables Rider — Luxury Home tier includes it by default.