Property Insurance My Happy Home Plus

Protect your home from fire and natural perils with My Happy Home Plus plan.

Protection for your concrete home and home content

Complete coverage for all perils

Have peace of mind with options to purchase extended coverage for your home

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My Happy Home Plus Description

Distinction

Select the coverage range of your choice to protect your home and home content and receive special privileges to ensure your property and property content are fully protected. Coverage also includes liability for your guests in case of accident in your home, third party liability in case of fire spreading to your neighbour, accident to plate glass fixtures, and natural perils. Flood insurance is also available at affordable premium for coverage of up to 2 million Baht.

Protect your home, be it detached house, townhome, condominium, or apartment.
Coverage includes fire, lightning, water damage, vehicle impact, aircraft impact, windstorm, earthquake and hail.
Able to purchase extended coverage to cover residence rental expenses, damages to personal effects or portable property in the building.

Coverage/Benefits

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List of companies and their prices. Column one contains the official codes used in financial markets.
Major Coverage	Sum Insured (Baht) per occurrence/year
Loss of or damage to the Insured Property, resulting from Fire, Lightning, Explosion, Windstorm, Earthquake, Hail, Water Damage (excluding flood), Vehicle Impact and Aircraft Impact	50,000
Special Extended Coverage	Sum Insured (Baht) per occurrence/year
Temporary Residence Rental Expenses, if the Insured Building is unfit for living and building loss or damage more than 50% caused by perils under Major Coverage	10% of Sum Insured by Major Coverage not exceeding Bath 50,000
Loss of or damage to the Personal Effects being kept in the Insured Building, such as clothes, shoes and eyeglasses belonging to the Insured or Dependent Member of Insured’s Family caused by perils under Major Coverage.	Limit of 2,500 Baht per item not exceeding Baht 20,000
Loss of or damage to the movable property in the premise(s), e.g. Mobile Phone ,Pager, Computer Notebook, Flash Drive, Camera and all other contents loss of or damage by covered perils.	Actual Value not exceeding Baht 20,000 Baht
Loss of or damage to the Valuables being kept the Insured Building such as antique, work of art, valuable stones, or bullion belonging to the Insured or a Dependent Member of Insured’s Family caused by perils under Major Coverage.	Limit of Baht 2,500 per item not exceeding Baht 20,000 Baht
Loss of or damage to the Contents being kept temporarily at other premises as result from covered perils under Major Coverage	10% of sum Insured by Major Coverage not exceeding Baht 50,000
Loss of or damage to plate glass Installed as part of the Insured Premise, caused by accidental breakage leaving it unfit for normal use.	Limit of Baht 5,000
Loss of or damage to plate glass Installed as part of the Insured Premise, caused by accidental breakage leaving it unfit for normal use.	Limit of Baht 5,000

Basic Premium: Baht 700 per year inclusive of VAT & Stamp Duty

Additional Premium: Baht 120 per year inclusive of VAT & Stamp Duty per every additional Baht 100,000 Sum Insured under Major Coverage.

Terms & conditions

This plan covers concrete building and building content only
This plan covers detached house, townhome, condominium unit and apartment that is used for residential purpose only and not for commercial use, rent or other profitable purposes. In case of condominium, the plan covers building content only.
One premises can be covered by only one insurance policy of similar plan.
My Happy Home Pluse (3) can be purchased only in case of sum assured for major coverage starting from 1,000,000 Baht.
This plan is applicable to all areas/provinces in Thailand except
- Danger zones as announced by the Office of Insuirance Commission, e.g. Yaowarat, Sampeng, Chakrawat, Klong Toey slum.
- For the 4 provinces in southern Thailand i.e. Songkhla, Yala, Pattani and Narathiwat, the plan covers only building and/or building content with sum assured of over 5,000,000 Baht.
- Maximum sum assured of 10,000,000 Baht can be purchased for the following districts in Songkhla: Mueang Songkhla, Hat Yai, Ranot, Rattaphum, Na Mom, Khuan Niang, Bang Klam, Khlong Hoi Khong, Krasae Sin, Singhanakhon
In case of flood insurance, the company reserves the right to underwrite on a case by case basis for high-risk flood areas, namely the following provinces: Ang Thong, Lopburi, Nakhon Sawan, Nonthaburi, Pathum Thani, Ayutthaya, Samut Prakan, Sing Buri, and some areas in Bangkok. Please contact our agent or broker for more details before taking an insurance.
Personal accident insurance plan is for the Insured aged not over 70 years only.

Privileges

Access to Home Assistance for 24-hour emergency services in various cases, e.g. broken air conditioner, animal invasion, broken pipe, recommendation of repairman.

Remark

Conditions are as specified in the policy.
This is an unspecific document, not benefit illustrations. Interested person should study details of the insurance policy thoroughly before applying.

Property exclusions

Any property kept with the Insured as keeper.an.

Service in Property Insurance Plan

Home Assistance