Property Insurance My Luxury Home Plus

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This is an insurance policy for residential house or building that is made from concrete.  You can select coverage of choices for your home and home content, plus extra privileges we provide for peace of your mind.

  • Protect your home either detached house, townhome, condominium or apartment. 
  • Coverage includes fire, lightning, explosion, water damage, vehicle impact, aircraft impact, windstorm, earthquake, and hail.
  • Extended coverage can be purchased to cover residence rental expenses, damages to personal effects or portable property in the building. 
  • Cover loss or damage to money and jewelry of up to 200,000 Baht per year.
  • Pay less for the premium with discount for long-term insurance of up to 30.22%

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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
1. Loss of or damage to the Insured Property, Building (including foundation) and Contents (furniture, kitchenware, personal effects) resulting from Fire, Lightning, Explosion, Windstorm, Earthquake, Hail, Water Damage (excluding flood), Vehicle Impact, or Aircraft, Strike, Riot or Malicious Act and other accidents or unexpected causes which are not specified in the exclusions of the policy 1,000,000
Additional Coverage

Sum Insured (Baht)

2. Loss of or damage to the Antiques or Works of Art belonging to the Insured  
     - Limit per piece  30,000
     - Limit per occurrence and in aggregate 100,000
3. Loss or damage to Money, Bank Notes or Jewelry Limit of 20,000 per piece
Not exceeding  200,000 per occurrence/year 
4. Temporary Residence Rental Expenses if the Insured Building is unfit for living caused by perils under Major Coverage  
     - Limit per day (not exceeding 3 months) 1,000
     - Limit per occurrence and in aggregate per year 100,000
5. Loss or damage to Moveable 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 The actual value not exceeding 30,000 per occurrence/year with deductible 2,000 each and every loss from Accidental Damage
6. Electrical Injury as the result of over-running, short-circuiting, or self-heating due to lightning, but such coverage shall only be in force if the loss or damage result in a fire 100,000
7. Loss to Insured Building resulting from Burglary, Robbery or Gang-Robbery 200,000
8. Expenses for Firefighting Activities consequential from perils under Major Coverage. 10% of Loss
9. Professional Fees for Architects, Surveyors, Consultant Engineers, Legal Consultants and other fees for estimates, Plans and specifications arising from repair or replacement of the insured property consequential from perils under Major Coverage 10% of the Sum Insured under Major Coverage
10. Expenses for Shoring-up, Propping-up, Dismantling, Demolishing, or Removing Debris consequential from perils under Major Coverage. 10% of Loss
11. Loss of or damage to Plate Glass installed as part of the Insured Premise Limit of 100,000 per occurrence/year
12. Public Liability which covers legal liability for bodily injury, death, or property damage sustained to a third party arising at the Insured Premise or as a result of using the Insured Premise. Limit of 1,000,000 per occurrence/year
13. Personal Accident covers Loss of Life, Dismemberment, Loss of Sight, or Total Permanent Disability 24 HRS per day worldwide for :   
     - Insured (House Owner) 100,000
      - Spouse  100,000
     - Children (Maximum 3 persons) 100,000
     - Maid (Maximum 1 person)
Remark : Applies to family members aged 1-70 years and Maid 1-60 years
Basic Premium (inclusive of VAT & Stamp)
Additional Premium : Baht 160 per year inclusive of VAT & Stamp Duty per every additional Baht 100,000 Sum Insured under Major Coverage  

  • This plan covers concrete building and building content worth 3 million Baht or more.
  • This plan covers detached house used for residential purpose only and not for commercial use, rent or other profitable purposes. 
  • One premises can be covered by only one insurance policy of similar plan.
  • 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, Singhanakhon, Khlong Hoi Khong, Krasae Sin.
    - 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 family members aged 1-70 years and house maid aged not over 60 years only.
Access to Home Assistance for 24-hour emergency services in various cases, e.g. broken air conditioner, animal invasion, broken pipe, recommendation of repairman.
  • 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.

Coverage by Allianz Ayudhya General Insurance Public Company Limited