• Protect everything you’ve worked so hard to get
• Rest assured with flexible, affordable home insurance
• Premium fully refundable within 30 days of inception

The home insurance policy is comprehensive policy and there are different coverage depending on the property insured. This Comprehensive Home Insurance provides protection for all of the following as long as they belong to you and you are legally responsible for them and they are mainly used for private purposes.

Section 1 - Buildings
We mean the home, landlords’ fixtures and fittings, terraces, footpaths, etc. Buildings are covered against loss or damage by the name perils, i.e. fire, lightning, explosion, earthquake, storm, flood, water damage, riot, theft, collision.

Section 2 - Contents in your Home
We mean home furniture and furnishings, clothing, computer, etc. Contents are covered against Accidental Loss or Damage (on an “All Risks” basis) while they are in your home.

Section 3 - Personal Effects
This option is mainly about insuring personal possessions that you take out of the home, including when you go abroad on holiday, against Accidental Loss or Damage and Theft. Personal Possessions include clothing, jewellery, sports equipment, cameras, luggage, etc. The limit any one loss for Personal Possessions taken outside of Thailand is Baht 300,000.- Please also declare any items valued over Baht 25,000.- each.

Section 4 - Personal Accident
This insurance covers loss arising from bodily injury to you or your family members, caused by an accident giving rise to Death, dismemberment or total permanent disability. A lump sum will be paid to you in accordance with the level of benefit (if any) that you have chosen in the application form.

Section 5 - Personal Legal Liability
Covers all sum which you shall become legally liable to pay for compensation in respect of third party bodily injury or third party property damage up to Baht 10,000,000.- any one occurrences

Section 6 - Workmen’s Compensation & Employers’ Liability
Covering your legal liability for injury or sickness, which you may cause to your domestic servants and drivers according to Thai Labour Law.

Full value means:
    1. For the household contents - (other than clothes and household linen) the current cost as new i.e. the current
        replacement value.
    2. For clothes and household linen - the current cost as new less an appropriate allowance for the wear and tear.
        (normally 20% per annum from the original purchase price).
    3. For valueables and personal effects - the original purchase price as declared by presentation of original receipts or
        authenticated copies.

Taking care of the property:
    a) You must take all reasonable steps to prevent any loss or damage especially during when traveling overseas
        or away from your home.
    b) You must maintain all the property insured in good repair.

Disclosure
You must tell us about everything that may be material facts to our accepting your application.

WHAT ARE THE MAIN EXCLUSIONS?
Section 1 - Buildings
    - External television receiving equipment, swimming pool
    - Damage occurring while your house has been left unoccupied for more than 60 days
    - Damage caused by domestic pets or your vehicle
    - Damage caused by movement of the land belonging to the buildings

Section 2 - Contents
    - Mobile phone or laptop computer unless specified
    - Loss of money
    - Theft by employees, guest, friend
    - Loss or damage to china glass, earthenware and other items of a brittle nature

Section 3 - Personal Effects
    - Any item amount exceeding Baht 25,000.- unless specified (Please list)
    - Money or credit card over Baht 5,000

Section 4 - Personal Accident
    - Dental treatment, root treatment, changing or replacing denture except preliminary treatment subsequent from the
      accident
    - Abortion

General Exclusions
    - Terrorism
    - Loss or damage caused by wear and tear

Remark:
The statements of coverage shown here are brief summaries and do not show all policy exclusion, the policy should be read for your actual coverage and exclusions.

For more information, please e-mail travel1@iag.co.th or call 02-207-0266 to 85 ext. 4023

Need to make a claim on your household insurance?