Chubb Easy Home insurance

Chubb Easy Home insurance: THB 1 million sum insured, from THB 1,150 per year*

A home takes years to build and pay off, but a fire, flood, storm or burglary can bring a large bill when you least expect it.

Chubb Easy Home is home insurance designed to be easy to understand, with a main sum insured of THB 1 million and a choice of 1, 3 or 5 years of cover, plus cover for natural disasters and burglary and 24-hour home emergency assistance.

Check first whether your home can be insured
Send your house type, building materials and province to LINE Official @prakanthai or call +66 2 459 2223.

Key points in 30 seconds

*Starting premium for a concrete house, Plan 1, 1-year term, incl. tax and duty as shown in the table. Premium rates and acceptance are subject to the insurer's conditions.

What does Chubb Easy Home cover?

1. Fire and additional perils, sum insured THB 1 million

Covers loss or damage from:

• Fire
• Lightning
• Explosion
• Vehicle impact
• Aircraft
• Water damage, excluding flood

Worth understanding: flood does not use the THB 1 million limit; it falls under natural disasters, which have their own separate combined limit.

2. Natural disasters combined, up to THB 20,000

Covers the basic natural disaster perils: windstorm, flood, earthquake or volcanic eruption, tidal wave or tsunami, and hail, with all perils combined up to THB 20,000 under the policy conditions.

3. Temporary accommodation rent

If your home is damaged by a covered peril and, under the conditions, cannot be lived in:

• Concrete house: up to THB 1,000 per day, up to THB 100,000 per year in total
• Half-concrete, half-timber house: up to THB 500 per day, up to THB 50,000 per year in total
• Does not apply to apartment buildings or condominiums

4. Burglary

Covers up to THB 20,000 for burglary with visible signs of forced entry to the building, as well as robbery or gang robbery, subject to the details and exclusions in the policy.

5. Personal liability (Plan 2)

Plan 2 adds cover for legal liability to third parties arising from the negligence of the insured or a family member, both on and off the insured premises, within Thailand, up to THB 200,000.

How do Plan 1 and Plan 2 differ?

Our honest advice: for a concrete house, Plan 2 costs just THB 250 per year more than Plan 1 but adds THB 200,000 of personal liability cover, so it suits homeowners who want more all-round cover.

If you want to save as much as possible and only need cover for damage to your home or property, Plan 1 may be enough.

Premium table (incl. tax and duty)

24-hour home emergency assistance

Every plan includes Emergency Home Assistance for emergencies that need fixing quickly, to prevent further damage or make the home safe to live in again, such as:

• Electricians and plumbers
• Roof, ceiling and glass repairers
• Locksmiths
• Air-conditioner, fridge and water-heater technicians
• Removal of dangerous animals that get into the home

The insurer covers the technician's labour and travel costs up to THB 1,000 per call-out, up to 2 times per year. Parts, materials and any excess costs are subject to the service conditions.

Claims highlights

• The under-insurance condition is waived, under the product conditions
• Claims are paid on a new-for-old (replacement value) basis, with no deduction for depreciation
• Fast Track Claim for eligible damage worth up to THB 30,000
• Paid within 15 days of the date the insurer and the insured agree the claim amount

The amount actually paid depends on the actual damage and the limits, conditions and exclusions in the policy; there is no guarantee that the full sum insured will be paid in every case.

Which homes are eligible?

• Detached houses, townhouses or townhomes used as residences
• All-concrete buildings
• Half-concrete, half-timber buildings
• Condominiums: only the furniture and contents inside the unit are covered, not the building

All-timber houses are not accepted, and the insurer reserves the right to decline premises in flood-risk zones, densely packed communities or hazardous areas.

What to know before you decide

1. The THB 1 million sum insured is the maximum limit, subject to the damage and conditions; it is not a lump sum paid for every incident
2. Flood is covered under the combined natural disaster limit of up to THB 20,000, not the THB 1 million sum insured
3. Burglary must meet the conditions and show signs of forced entry, or be robbery or gang robbery
4. For condominiums, only the furniture and contents inside the unit are covered, not the building structure
5. The THB 200,000 personal liability cover is in Plan 2 only
6. You must state how the building is used and details of its location truthfully, so that claims are not affected

Frequently asked questions

Does Chubb Easy Home insurance cover flood?

Yes, but it is part of the basic natural disaster group, in which windstorm, flood, earthquake and related perils, and hail share a combined limit of up to THB 20,000 under the policy conditions.

My house is mortgaged and already has fire insurance through the bank. Can I buy more?

Send your existing policy to our staff to check which parts of the building or property it covers and how big the gap is. Having several policies does not mean you will be paid more than the actual damage.

Can a condominium be insured with Easy Home?

Yes, but only the furniture and contents inside the unit, as specified in the policy, are covered, not the building or the common property.

Plan 1 or Plan 2: which should I choose?

Choose Plan 1 if you want to keep to a budget and focus on damage to your home or property. Choose Plan 2 if you want to add legal liability to third parties with a limit of THB 200,000.

What information do I need to send to check the premium?

Send your type of residence, building materials, district/province and the term you want, and tell us whether you choose Plan 1 or Plan 2. You don't need to send all your personal documents at the initial enquiry stage.

Check your home's eligibility with Prakanthai.com

Send the word “EASYHOME” with 4 details:

1. Detached house, townhouse or condominium
2. All concrete, or half concrete and half timber
3. District and province of the property
4. Whether you want 1, 3 or 5 years of cover

Add LINE Official @prakanthai
Call +66 2 459 2223

Prakanthai.com has been operating since 2004 as a non-life insurance broker, licence no. 5104000004. We help check the conditions before you buy and coordinate when something happens.

Important note: This information is a summary to help you decide and is not part of the insurance contract. Buyers should always study the coverage details, conditions and exclusions in the policy before deciding. Underwritten by Chubb Samaggi Insurance Public Company Limited. Acceptance and premium rates are subject to the insurer's rules.