How much Thai baht does housing insurance cost per year
The cost of housing insurance (also known as home insurance) in Thailand can vary widely depending on several factors, such as:
Key Factors Affecting Cost:
- Property Value – The higher the insured value, the higher the premium.
- Coverage Type – Basic fire insurance is cheaper than comprehensive coverage (which may include theft, natural disasters, and third-party liability).
- Location – Homes in high-risk areas (flood zones, high crime) may cost more to insure.
- Construction Type – Concrete houses are cheaper to insure than wooden structures.
- Insurance Provider – Different companies offer varying rates.
Estimated Annual Premiums:
- Basic Fire Insurance (mandatory for mortgaged properties):
- ~ 1,000–3,000 THB/year (covers fire and some basic risks).
- Comprehensive Home Insurance:
- ~ 5,000–20,000 THB/year (covers fire, theft, natural disasters, and liability).
- Luxury/Villa Insurance:
- ~ 20,000–50,000+ THB/year (high-value properties with extensive coverage).
Where to Buy?
- Thai banks (if you have a mortgage)
- Insurance companies (e.g., Viriyah, Dhipaya, AXA, Allianz)
- Online comparison platforms (e.g., Frank, Roojai)
Original article, author：SUNNY COTTAGE CO., L，If reproduced, please indicate the source：https://www.decorationbydiana.com/22014/
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