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Home : Home Owner 3
            (Availble for non - Thai only)
For                :     Owner of Single House, Town House, Duplex and Shop house that use as resident
Coverage    :     Replacement value of Building (Exclude foundation) General Contents (Fixture, Furniture and Appliances)
Option          :    Special Contents
                            Personal Effects
                            Personal Accident
                            Personal Legal Liability
                            Employee’s Liability
(Baht)
Damage From Maximum coverage
1)  Fire, Lightning, Earthquake, Storm, Explosion, Water leakage, Collision from air and land transportation including Riot & Strike and other Malicious Act.
- Building and General Contents
- Glass Plate (window, door etc.)
- Subsidy for temporary shelter or compensation for loss of rent 		Sum Insured
250,000 Baht per event and in aggregate
Max. 90,000 Baht/event
2)  Electricity short circuit
- Electric appliances 100,000 Baht per event and in aggregate
3)  Theft (forcible entry), armed robbery
- Contents sum insured
4)  Liability (third party at the premises)
- Cash settlement and/or legal cost

500,000 Baht per event and in aggregate
S) Special contents

Your assets that have special value normally not cover by standard policy.Ex. Painting, Chinaware, Earthenware, special audio & video equipment etc

 Max. 500,000 Baht or 70% of General Contents    Subject to declaration by the Insuredand  accepted by the Insurer.
6)  Personal effects
Personal possessions that you take out of your home including when you go    abroad. Ex. Laptop computer, camera, Mobile phone etc.   

Max. 300,000 Baht for incident outside Thailand
Subject to declaration by the Insured and accepted by the Insurer.
7) Personal accident
  As indicated
8) Personal Legal Liability

Legal Liability to third party injury or property damage occursanywhere in the world.    

5,000,000 Baht per event and in aggregate

* Building exclude total wooden home, property in declared high risk location.
* Contents exclude gold, antique, painting, jewelry, personal value items such as document, photo, blue print etc.
**Please be reminded that valuation not include land value.

Approx. Premium (before stamp Duty and Vat)
Building                    Value x 0.125 %                                        General Contents           Value x 0.40%
Personal Effect        Value x 0.70 %                                          Personal Accident           Sum x 0.15%
Special Contents      Value x (To be Quoted)                             Personal Legal Liability    Add 500 Baht



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