Rak Baan home insurance programme
- Published: 3 August 2026
Rak Baan home insurance programme
Peace of mind for every member of your family
Bangkok Insurance understands everyone's needs, so it has chosen these enhanced covers for you:
- Losses are paid at the current value of the property, with no deduction for depreciation (Replacement Cost Valuation)
- Loss of or damage to property added or changed after it was first insured is covered automatically, up to 10% of the sum insured
- Fast partial claim payment when damage occurs and you need the claim money straight away
- If the insured's first claim is no more than 5% of the sum insured, the insured keeps the same sum insured
Property covered
The building, including garages and outbuildings, walls, fences, gates, improvements and extensions, foundations, electrical systems and plumbing or drainage systems; and the contents of the building, including furniture, fixtures and fittings, tools, utensils, electrical appliances, electrical equipment and household property
Estimated rebuild or replacement value
Building (excluding foundations) approx. THB 8,000–12,000 per sq m
Building foundations approx. 20–30% of the building's appraised value
Contents of the building approx. 30–50% of the building's appraised value
*The insured may adjust this estimate to the actual details of the property
|
Coverage |
Benefits |
|---|---|
| 1. Fire, lightning (including damage to electrical appliances and equipment from short circuits caused by lightning), explosion, vehicle impact, aircraft, water damage (excluding flood) | Pays the actual loss, up to the sum insured |
| 2. Windstorm, flood, hail, earthquake or volcanic eruption | Pays the actual loss, up to THB 20,000 per year for all perils combined |
| Special additional cover | |
| 3. Windstorm, hail, earthquake or volcanic eruption, including strikes, riots and malicious acts |
Pays the actual loss, up to 30% of the sum insured per peril (where the loss exceeds the cover in item 2) |
| 4. Flood |
Pays the actual loss, up to 20% of the sum insured (where the loss exceeds the cover in item 2), and the insured bears an excess (deductible) of 5% or a minimum of THB 5,000, whichever is greater |
| 5. Damage to electrical appliances: THB 20,000 or 5% of the total sum insured, whichever is greater | THB 20,000 or 5% of the total sum insured, whichever is greater |
| 6. Valuable antiques or works of art: THB 30,000 per year | THB 30,000 per year |
| 7. Rent for temporary accommodation while a building damaged by a peril covered in item 1 is repaired and cannot be lived in - Damage of up to 50% - Damage of more than 50% - Total loss |
Pays the actual expenses, with cover as follows: - Up to THB 1,000 per day, up to THB 30,000 in total - Up to THB 1,000 per day, up to THB 60,000 in total - Up to THB 1,000 per day, up to THB 120,000 in total |
|
Special additional cover |
|
|
8. Cost of repairing the building (excluding fences and gates) after a burglary |
THB 50,000 per year |
|
9. Cash, where no separate money insurance is in place |
THB 20,000 per year |
|
10. Cost of recreating original documents and copies |
THB 15,000 per year |
|
11. Losses paid at the property's value as increased by inflation |
Up to 10% of the value of the damaged property |
|
12. Cost of shoring up, demolition, dismantling and debris removal |
Up to 10% of the sum insured |
|
13. Architects' and engineers' fees for valuing, designing and supervising the repair or rebuilding of the property |
Up to 10% of the sum insured |
|
14. Firefighting expenses |
Actual expenses incurred, up to the sum insured
|
|
15. Cost of protecting a damaged building while it awaits repair or rebuilding |
THB 10,000 per year |
|
16. Loss incurred in preventing or containing a peril |
Indemnity for the actual loss, up to the sum insured |
|
17. Sunshades, blinds, signs, signboards or other fixtures outside the building |
THB 15,000 per year |
|
18. Ornamental trees and plants |
THB 1,000 per tree, up to THB 10,000 per year |
|
19. Structures outside the insured premises |
THB 20,000 per year |
|
20. Water leakage from automatic fire sprinkler systems |
THB 10,000 per year |
|
21. Firefighters' expenses |
5% of the value of the damaged property |
| Sum insured | Premium | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
|
1 year |
2 years |
3 years |
4 years |
5 years |
6 years |
7 years |
8 years |
9 years |
10 years |
|
|
500,000 |
806 |
1,411 |
2,015 |
2,313 |
2,812 |
3,257 |
3,698 |
4,110 |
4,504 |
4,585 |
|
1,000,000 |
1,612 |
2,821 |
4,029 |
4,626 |
5,624 |
6,511 |
7,397 |
8,219 |
9,009 |
9,170 |
|
2,000,000 |
3,223 |
5,640 |
8,058 |
9,251 |
11,248 |
13,021 |
14,794 |
16,438 |
18,017 |
18,339 |
|
3,000,000 |
4,835 |
8,461 |
12,086 |
13,875 |
16,872 |
19,531 |
22,190 |
24,655 |
27,024 |
27,508 |
|
4,000,000 |
6,446 |
11,280 |
16,115 |
18,500 |
22,496 |
26,041 |
29,587 |
32,874 |
36,033 |
36.677 |
|
5,000,000 |
8,058 |
14,101 |
20,143 |
23,125 |
28,120 |
32,552 |
36,983 |
41,092 |
45,040 |
45,846 |
|
6,000,000 |
9,669 |
16,920 |
24,172 |
27,750 |
33,744 |
39,062 |
44,380 |
49,310 |
54,048 |
55,015 |
|
7,000,000 |
11,280 |
19,741 |
28,200 |
32,374 |
39,368 |
45,572 |
51,776 |
57,529 |
63,056 |
64,183 |
|
8,000,000 |
12,892 |
22,560 |
32,229 |
36,999 |
44,992 |
52,082 |
59,173 |
65,747 |
72,064 |
73,353 |
|
9,000,000 |
14,503 |
25,381 |
36.257 |
41,623 |
50,616 |
58,593 |
66,568 |
73,965 |
81,071 |
82,522 |
|
10,000,000 |
16,115 |
28,200 |
40.286 |
46,249 |
56,240 |
65,103 |
73,965 |
82,183 |
90,080 |
91,691 |
Notes
1. The insurer only considers buildings of Class 1 construction as classified in the premium tariff
2. The insurer reserves the right not to consider risks in hazardous zones under the fire insurance premium tariff, or in certain areas
3. The insurer accepts a sum insured of up to THB 30 million
4. The insurer pays every claim within the stated limits, never more than the sum insured plus the inflation increase and the cover in item 7
5. Always read the coverage details and conditions carefully before deciding to buy insurance
6. The premiums above include stamp duty and tax
Price: THB 806 | Start date: 1 July 2024 |
End date: 31 December 2027 |