Viriyah 999 home insurance: cover for the house and its contents
- Published: 12 October 2026
Viriyah 999 home insurance: cover for the house and its contents
Premium data as of 11 October 2026 · compiled by Prakanthai.com
Underwritten by Viriyah Insurance Public Company Limited
Premiums from THB 999 per year, including tax and stamp duty
Highlights: covers both the house and THB 50,000 of contents, plus electrical appliances damaged by electrical current and temporary accommodation rent
A power surge after a storm knocks out the TV and the fridge at the same time. The repairs come to nearly twenty thousand baht, even though the house itself wasn't damaged at all.
Can home insurance that costs under a thousand baht help with something like this, and how much cover does it give the house and its contents?
Viriyah 999 home fire insurance: who is it for and how much does it cover?
In short: Viriyah Insurance's 999 residential fire insurance plan suits homeowners who want cover for both the house and its contents for under a thousand baht. It covers the house for THB 950,000 if it is a concrete building, THB 350,000 if it is half concrete, half timber, and THB 150,000 if it is all timber, plus THB 50,000 for contents and THB 20,000 for electrical appliances. The premium is from THB 999 per year (as at 11 October 2026). The actual sum insured depends on what the house is built of.
What does Viriyah 999 home insurance cover?
| Coverage | Plan 1 concrete building / Plan 2 half concrete, half timber / Plan 3 all timber | Conditions |
|---|---|---|
| Building (excluding foundations) | THB 950,000 / 350,000 / 150,000 | Actual loss, up to the sum insured |
| Contents of the building | THB 50,000 on every plan | Actual loss, up to the sum insured |
| Main perils covered | Fire, lightning, explosion, vehicle impact, aircraft, water damage other than flood | – |
| Natural disasters (windstorm, flood, earthquake, tsunami, hail) | Up to THB 20,000 for all perils combined | Windstorm and hail fall within this limit |
| Electrical appliances damaged by electrical current (Electrical Injury) | THB 20,000 on every plan | – |
| Temporary accommodation rent: masonry or all-concrete house | THB 1,000 per day | Damage over 50%: up to THB 50,000 in total · 100% damage: up to THB 100,000 in total |
| Temporary accommodation rent: half concrete, half timber, or all timber | THB 500 per day | Damage over 50%: up to THB 25,000 in total · 100% damage: up to THB 50,000 in total |
How much is the premium for Viriyah 999 home insurance?
The premium is from THB 999 per year, including tax and stamp duty (as at 11 October 2026). Which plan you get depends on what the house is built of, which changes the sum insured for the house. The actual premium is as stated in the quote and subject to the insurer's underwriting decision.
Worked example: if half the house burns down, how much do you get for temporary accommodation?
Say a concrete house suffers fire damage of more than 50%, and you have to rent somewhere to stay for 45 days at THB 1,200 a night
- Rent the plan pays per day: up to THB 1,000; you pay the extra THB 200 a day yourself
- 45 days × 1,000 = THB 45,000, which is within the THB 50,000 cap, so you get THB 45,000
- If you need to rent for 60 days: 60 × 1,000 = THB 60,000, but the cap for damage over 50% is THB 50,000
This is an illustration. The actual payout depends on the insurer's claim assessment. The simple rule: rent has both a daily cap and a total cap.
Who is Viriyah 999 home insurance for?
- Homeowners who want cover for both the house and its contents for under a thousand baht
- Homes with many electrical appliances, where you worry about power surges or short circuits
- All-timber houses, which many plans don't accept; this one has Plan 3 for all-timber houses
- Homeowners whose house's construction value is within the plan's sum insured
Who should not buy this plan yet?
- Homes that would cost more than THB 950,000 to rebuild, where you want a sum insured matching the real value: see Thaivivat home and condominium insurance, sum insured THB 1–5 million
- Homes in areas that flood often: all natural disaster perils together are capped at THB 20,000
- People with high-value contents: contents are covered up to THB 50,000
- People who want burglary cover or liability cover towards neighbours: this plan's coverage table includes neither
- People who just want cover for the house at the lowest cost: see Viriyah Baan Un Jai home insurance, THB 500
Limits to check before you decide
- The sum insured for the house depends on what it is built of: THB 950,000 for concrete, 350,000 for half concrete, half timber, and 150,000 for all timber. Declare what your house is actually built of.
- All natural disaster perils together are capped at THB 20,000, including flood, windstorm and hail
- Contents are covered up to THB 50,000 in total on every plan
- Temporary accommodation rent depends on how badly the house is damaged: damage over 50% gets half the cap that applies to 100% damage
- Foundations are not covered: the sum insured for the house excludes the foundations and the land
Want to know which plan your house falls under, and what you need to send?
Send just 3 things
- Type of home, e.g. detached house, townhouse or shophouse
- What the house is built of, or photos of the house
- District and province of the property
Our team will tell you which plan and sum insured you get and send you a written quote within a business day. If your house is worth more than the plan's sum insured, we will compare other plans for you too. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
How is the 999 plan different from Viriyah's THB 500 plan?
The 999 plan covers both the house and THB 50,000 of contents, with THB 20,000 for electrical appliances and THB 20,000 for natural disasters. The THB 500 plan covers the house only, with THB 10,000 for natural disasters.
Can an all-timber house be insured?
Yes. It goes under Plan 3: THB 150,000 for the house and THB 50,000 for contents.
Can you claim if your TV is damaged by a power surge?
This plan covers damage to electrical appliances (Electrical Injury) up to THB 20,000. Whether it pays depends on the cause and the policy conditions.
How much do you get if your house floods?
Flood is one of the natural disaster perils, which are capped at THB 20,000 for all perils combined. It does not come under the sum insured for the house.
Is there home insurance with a higher sum insured?
Yes, for example Chubb Easy Home insurance, THB 1 million sum insured, or Thaivivat home insurance, where you can choose a sum insured of THB 1–5 million. Send us your home's details and our team will compare them for you.
Who approves claims: Prakanthai.com or Viriyah Insurance?
Underwriting and claim payments are decided by Viriyah Insurance. Prakanthai.com, as the broker, helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on product information for residential fire insurance, the 999 home insurance plan, from Viriyah Insurance Public Company Limited as at 11 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.