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Home protection for both homeowners and home renters
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LMG 3 P POLICY (HOME CONTENTS INSURANCE)
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Sum Insured
(Baht)
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| PERSONAL PROPERTY
COVERAGE |
Plan 1
200,000
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Plan 2 300,000 |
Plan 3 400,000 |
Plan 4 500,000 |
| 1. Loss of or damage to the Contents whilst
contained in the Private Dwelling (excluding any part of the structure of the
building) i.e. furnitures, tools, household utensils, electrical appliances
and equipments, musical instruments,
audio equipments, kitchenware including personal effects e.g. watch, camera, clothing,
mobilephone, computer notebook and other property
in the dwelling of the insured or normal dependant caused by fire, lightning,
explosion, windstorm, smoke, water damage, earthquake, malicious acts and
vandalism |
Limit of personal effects: Bht.5,000 any one
occurrence |
Limit of personal effects: Bht.5,000 any one
occurrence |
Limit of personal effects: Bht.5,000 any one
occurrence |
Limit of personal effects: Bht.5,000 any one
occurrence |
| 2. Electrical Injury/self heating |
Max. 50,000 any
one accident
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Max. 50,000 any
one accident
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Max. 50,000 any
one accident
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Max. 50,000 any
one accident
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| 3. Loss or damage caused by burglary to the
insured property with forcible entry/exit, the coverage including to
mobilephone and computer notebook |
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Max. 100,000
any one accident and in aggregate
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Max. 150,000
any one accident and in aggregate
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Max. 200,000
any one accdent and in aggregate
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Max. 250,000
any one accident and in aggregate
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| PERSONAL ACCIDENT
COVERAGE |
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| 4. Compensation for accidental
death (both inside and
outside the insured premises) of the Insured
and/or any member of the Insured's family and/or any person normally residing with the
Insured for 4 persons (named basis) with limit Bht.100,000 per person |
Max. 400,000 any one accident |
Max. 400,000 any one accident |
Max. 400,000 any one accident |
Max. 400,000 any one accident |
| PERSONAL LIABILITY
COVERAGE |
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| 5. Third party liability
for bodily injury and property damage within the insured premise. |
Max. 200,000 any one accident
and in aggregate
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Max. 300,000 any one accident
and in aggregate
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Max. 400,000
any one accident
and in aggregate
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Max. 500,000 any one accident
and in aggregate
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| Annual
Net Premium/including Tax and Stamp ( Baht ) |
1,837.19
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2,442.81
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3,046.29
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3,650.84
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Remark
: Minimum premium Bht. 1,500 (before VAT & stamp) in
case of sum insured lower than Bht. 200,000
General Exclusions:
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1) Gold and gold billion, jewelry gems,
precious stones , antiques, documents, manuscripts, paintings, securities,
stamps, coins, paper money, checks, book of account or other business
books etc.
2) Explosive items, all vehicles either road use,
waterborne or airway.
3) War and terrorism exclusion
4) Electronic Data and Internet Exclusion
Download Application Download Policy Wording
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LMG HOME VALUE PACKAGE (FOR BOTH HOME OWNERS & RENTERS
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| Primary Coverage |
Sum Insured (Baht) |
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1.
Fire, lightning, windstorm, vehicle impact, smoke, aircraft, water damage,
bush fire, earthquake, explosion, riot strike, malicious acts
and vandalism, hail.
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500,000 up to 20,000,000
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2. Loss or damage caused
by burglary to the insured property with forcible entry/exit, the coverage including to mobilephone and computer notebook
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100,000 any one occurrence and 500,000 in aggregate
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3. Third party liability for bodily injury and property damage within the insured premises
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100,000 any one occurrence and 1,000,000 in aggregate
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4. Compensation for death within the insured
premise of the Insured and/or any member of the Insured's
family and/or any person normally residing with the Insured for 4 person
(name basis) caused by an
Insured Perils with limit of Bht. 100,000 per person.
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400,000 any one occurrence and in aggregate
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5. Accidental to Fixed Plate Glass
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100,000 any one occurrence and in aggregate
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| Additional Coverage |
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6. Rental cost of temporary outlet
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20,000 per month / Max. 6 months
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7. Electrical Injury/self heating
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100,000 any one accident
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8. Repair cost of entrance caused by burglary
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20,000 any one accident
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9. Cost of fire extinguishing
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10% of loss any one occurrence
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10. Cost of debris removal from loss under major coverage 1.
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10% of loss any one occurrence
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Insurance Conditons:
1) The package applies to Superior Class (concrete with
steel roof beam and tile roof)
For upcountry,
premises must locate in general common area only.
2) The company's limit of liablity should not exceed the
sum insured under major coverage 1
Remark : LMG will inform in advance in the event of
survey is required
Downloads:
HOME VALUE APPLICATION
HOME VALUE COST & COVERAGE
HOME VALUE TERMS & CONDITIONS
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| General Exclusions: |
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| 1)
Wooden or half wooden premises or locate in conflagrative block |
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2)
Gold and gold buillion, jewelry gems,
precious stones , antiques, documents, manuscripts,
paintings, securities, stamps etc.
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3)
Explosive items, all vehicles either road use , waterborne or airway
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| 4) War and terrorism exclusion |
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| 5)
Electronic Data and Internet Exclusion |
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