Viriyah Baan Un Jai home insurance, THB 500, sum insured up to 500,000
- Published: 4 September 2026
Viriyah Baan Un Jai home insurance, THB 500, sum insured up to 500,000
Viriyah Baan Un Jai home insurance: THB 500 per year, cover up to THB 500,000*
A single fire can cost more than a family has set aside, but getting started with home cover doesn't have to cost thousands.
Baan Un Jai home insurance, a low-cost plan for small policyholders (microinsurance) from Viriyah Insurance, covers your building against fire, lightning, explosion and natural disasters for a single flat premium of THB 500 per year.
The sum insured depends on what the building is made of, up to THB 500,000 for a concrete house.
Not sure whether your house counts as concrete, half concrete and half timber, or timber?
Send your details to Prakanthai.com for an initial check via LINE Official @prakanthai or call +66 2 459 2223.
Key points in 30 seconds
| Aspect | Details |
|---|---|
| Premium | THB 500 per year, incl. VAT and stamp duty |
| Period of insurance | 1 year |
| Concrete house | Sum insured THB 500,000 |
| Half-concrete, half-timber house | Sum insured THB 200,000 |
| Timber house or other materials | Sum insured THB 100,000 |
| Main perils | Fire, lightning and explosion |
| Natural perils | All perils combined, up to THB 10,000 per year |
| Temporary accommodation rent | Actual cost, up to THB 300 per day, for up to 30 days |
| Property covered | The house or building, excluding foundations and land value |
| Insurer | Viriyah Insurance Public Company Limited |
*The THB 500,000 sum insured applies to concrete buildings under the insurer's rules. Other types of house get a different sum insured.
Same THB 500 premium, different sum insured
| Building type | Basic criteria | Sum insured for fire, lightning and explosion |
|---|---|---|
| Concrete | More than 80% brick-and-mortar walls | THB 500,000 |
| Half concrete, half timber | About 50–80% brick-and-mortar walls | THB 200,000 |
| Timber house or other materials | Does not meet either of the two criteria above | THB 100,000 |
If you are not sure of your building type, send photos of the house and details of its materials for our staff to check before you apply, because stating the wrong house type may affect your right to claim.
What is covered?
1. Fire, lightning and explosion
Covers actual loss of or damage to the house or building, up to the sum insured for its type of building material.
2. Natural disasters: 4 groups
Covers damage from:
- Windstorm
- Flood
- Earthquake, volcanic eruption, tidal wave or tsunami
- Hail
All natural disaster groups combined are covered up to THB 10,000 per year
Understand this before you buy: flood is not covered up to the THB 100,000–500,000 sum insured; it uses the combined natural disaster limit of up to THB 10,000 per year.
3. Temporary accommodation rent
If the building is damaged by fire, lightning or explosion so that it cannot be lived in, and the policy conditions are met, the insurer pays the actual cost of rented accommodation up to:
- THB 300 per day
- Up to 30 days over the period of insurance
Claims are assessed on the actual damage, proof of rent and the policy conditions
What is First Loss Basis?
This policy pays on a First Loss Basis, meaning the average condition is not applied when calculating a claim because the sum insured is set below the value of the house.
For example, a concrete house has a construction value of THB 1,500,000, but the policy sets the sum insured at THB 500,000. If covered damage occurs, the insurer pays the actual damage up to THB 500,000, without using the proportion of the house's value to reduce the claim under the average condition.
However, First Loss does not mean the full sum insured is paid in every case. The insurer pays for the damage actually incurred, within the policy limits and conditions.
Which buildings can be insured?
- Detached house
- Semi-detached house
- Townhouse
- Shophouse used as a residence
- Residential apartment or condominium unit
- Garage, kitchen building and outbuildings
- Walls, fences, gates and extensions that form part of the building
Excludes land value and foundations, and the premises must be used as a residence under the insurer's conditions
Timber row houses are not accepted, and if the building is unoccupied for more than 60 consecutive days, cover may be suspended under the policy conditions.
This plan is not all-risks home insurance
The cover shown in this plan focuses on the house or building and does not include some important types of cover, such as:
- Furniture and household contents
- Short circuits in electrical appliances
- Burglary
- Permanently fixed glass
- Cash
- Third-party liability
- Personal accident
If your house is worth more than THB 500,000, or you have high-value electrical appliances and contents, ask Prakanthai.com to compare this plan with higher-limit or more comprehensive home insurance before you decide.
Who is it for?
- Homeowners who don't yet have fire insurance
- People who want basic cover on a budget of THB 500 per year
- Homes in the provinces, your parents' home, or homes of modest value
- People who want to top up the limit of an existing fire insurance policy
It may not suit you if you want
- Cover for the full construction cost of a house worth millions
- A flood limit higher than THB 10,000
- Cover for furniture, electrical appliances or valuables
- Cover for burglary and third-party liability
In these cases, choose higher-limit home insurance or a plan that also covers household contents.
Important points before you apply
- You must state the building's type and materials truthfully
- The sum insured is not the same for every type of house
- Covers actual damage, not a lump-sum payment of the full sum insured
- Flood and all natural disaster groups share a combined limit of THB 10,000 per year
- You must notify the insurer without delay and send details of the damage within 30 days
- Damage from fraud, deliberate acts or gross negligence is not covered
- War, terrorism, riot, strike, nuclear risks and other exclusions are as set out in the policy
Frequently asked questions
Does every type of house get a THB 500,000 sum insured?
No. A concrete house gets a sum insured of THB 500,000, a half-concrete, half-timber house THB 200,000, and a timber house or one of other materials THB 100,000, all for the same premium of THB 500 per year.
Is flood covered?
Yes, within the natural disaster limit: windstorm, flood, earthquake and related perils, and hail share a combined limit of up to THB 10,000 per year.
Are furniture and electrical appliances covered?
This plan focuses on covering the house or building; household contents are not included in the cover shown. If you want them covered, choose another type of home insurance plan as well.
Can I buy more than one policy?
Yes, you can buy more than one policy for one house, but the combined sum insured of all the policies must not exceed the actual value of the building, and total compensation cannot exceed the damage actually incurred.
What documents do I need to apply?
To start with, a copy of the homeowner's ID card and a copy of their house registration. Any further documents are as the insurer requires.
Check your house type with Prakanthai.com before you apply
Send the word “Baan500” with just 3 details:
- House type, e.g. detached house, townhouse, timber house or condominium
- Approximate wall materials
- District and province where the house is located
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 your building type, compare cover and coordinate when you make a claim.
Important note: This information is only a summary to help you decide and is not part of the insurance contract. Buyers should study the cover, conditions and exclusions in the policy before deciding. Underwritten by Viriyah Insurance Public Company Limited. Acceptance is subject to the insurer's underwriting rules.
Price: THB 500 | Start date: 4 September 2026 |
End date: - |