Home insurance THB 599 per year: fire, theft, Bangkok Insurance
- Updated: 17 October 2026
Home insurance THB 599 per year: fire, theft, Bangkok Insurance
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 599 per year, including tax and stamp duty
Highlights: micro-insurance for your home, covering the house for THB 250,000 and contents for THB 50,000, with theft and accident cover and an e-Policy delivered online
Two houses side by side in your soi were just broken into, and your own home has no insurance at all. You want to start with a small plan you can afford, but you don't know what a few hundred baht can really cover.
Home insurance at THB 599 per year: what does it pay for fire, flood or theft, and what are the limits?
Who is the THB 599 home insurance for, and how much does it cover?
In short: Bangkok Insurance's home fire insurance 599 (micro-insurance) suits homeowners who have no insurance yet and want to start with basic cover. It covers fire, lightning and explosion, with THB 250,000 for the house and THB 50,000 for the contents of a concrete house, natural disasters up to THB 10,000 in total, theft with signs of forced entry up to THB 10,000, and accident cover for the insured of THB 100,000. Premiums start at THB 599 per year (data as at 15 October 2026). The limits depend on the building type.
What does the THB 599 home insurance cover?
| Coverage | Concrete house (more than 80% brick walls) | Half-masonry, half-timber house (50–80% brick walls) |
|---|---|---|
| Fire, lightning, explosion: building | THB 250,000 | THB 125,000 |
| Fire, lightning, explosion: contents | THB 50,000 | THB 25,000 |
| Natural disasters (windstorm, flood, earthquake, tsunami, hail) | Up to THB 10,000 per year in total | Up to THB 10,000 per year in total |
| Temporary accommodation rent (from fire, lightning or explosion) | THB 300 per day, up to 30 days | THB 300 per day, up to 30 days |
| Theft with visible signs of forced entry, robbery or gang robbery | Up to THB 10,000 | Up to THB 10,000 |
| Accident cover for the insured (death, loss of hands, feet or sight, total permanent disability) | THB 100,000 | THB 100,000 |
Theft cover includes the contents of the home and damage to the building where they are kept. The building type you choose must match the actual house, because it affects the limit and how claims are assessed.
How much is the premium for the THB 599 home insurance?
Premiums from THB 599 per year, including tax and stamp duty. Data as at 15 October 2026. The period of cover is 1 year. You can buy directly through Bangkok Insurance's online system and receive an electronic policy (e-Policy) once your details are correct, the premium is paid and you meet the underwriting conditions. Acceptance depends on the details of the house and the insurer's decision.
Worked example: a kitchen fire that forces you to move out for 20 days
Say a concrete house has a kitchen fire. The house suffers THB 80,000 of damage and the contents THB 35,000, and you have to rent a room for 20 days at THB 450 a night.
- House: THB 80,000, within the limit of THB 250,000
- Contents: THB 35,000, within the limit of THB 50,000
- Rent is paid at up to THB 300 a day: 300 × 20 = THB 6,000; you pay the difference of 150 × 20 = THB 3,000 yourself
- Total the insurer considers: 80,000 + 35,000 + 6,000 = THB 121,000
This example is for illustration only. The amount actually paid follows the actual damage and the insurer's claim assessment. A simple rule: this plan gives a good start after a fire, but natural disasters have a combined limit of only THB 10,000.
Who is the THB 599 home insurance for?
- Homeowners who have no home insurance yet and want to start on a budget of under a thousand baht
- A concrete or half-masonry, half-timber house that is actually lived in
- People who worry about break-ins and want a basic theft limit
- People who want to buy online and get an e-Policy without waiting for paper documents
Who should not buy this plan yet?
- Homes whose rebuilding cost is much higher than THB 250,000: this plan is starter cover. See Thaivivat home and condominium insurance, sum insured THB 1–5 million
- Homes in areas that flood repeatedly: all natural disaster perils together are capped at THB 10,000 per year
- Houses used as a shop, an office or a rental property: this plan accepts residences only. See SME Total insurance for businesses
- Homes held in the name of a legal entity: this plan accepts private individuals only
- All-timber houses: the limits table covers only concrete and half-masonry, half-timber houses
Limits to check before you decide
- All natural disaster perils together are capped at THB 10,000 per year, including flood, windstorm, earthquake, tsunami and hail
- Theft must show signs of forced entry, or be robbery or gang robbery. Items that go missing without signs of forced entry may not meet the conditions
- Rent for temporary accommodation is THB 300 a day, for up to 30 days, and is paid only for fire, lightning or explosion
- One policy per insured location, and locations in danger zones announced by the OIC (Office of Insurance Commission), or in areas specified by the insurer, are not accepted
- You must state the building type truthfully. A wrong choice affects the limit and how claims are assessed
How do you find out whether your house can be insured, and what do you need to tell us?
Tell us just 2 things
- The building type, or photos of the house
- District and province of the property
Our team will check which plan the house qualifies for and reply within a business day. If the house is worth more than the limits of this plan, we will also compare other plans for you. 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 much do you get if your house floods?
Flood is one of the natural disaster perils, which are capped at THB 10,000 per year for all perils combined. It does not come under the THB 250,000 limit for the house.
Are you covered as soon as you buy?
Cover starts on the date and time stated in the e-Policy. Always check the start date in the policy.
Can you insure a rented house that you live in?
This plan does not accept rented houses. It accepts only the residences of private individuals. Send us the details and our team will find a plan that suits better.
If items go missing but the door shows no signs of forced entry, can you claim?
Theft cover applies only where there are signs of forced entry, or robbery or gang robbery. Without such signs, a claim may not meet the conditions.
How does the 599 plan differ from Viriyah's THB 500 home insurance?
The 599 plan covers contents, theft, rent for temporary accommodation and accident cover for the insured, whereas Viriyah's THB 500 home insurance focuses mainly on the house itself and has a higher sum insured for the house.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps by advising you and coordinating claims.
Notes
The coverage and premium information on this page is based on the product information for home fire insurance 599 (micro-insurance) from Bangkok Insurance Public Company Limited as at 15 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 conditions in full before deciding.