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LMG Home Ultra Value
Safeguard your beloved home with a comprehensive coverage
Key Benefits
1
Offer a comprehensive coverage
2
A single premium payment for coverage 1 year or 3 years
3
Cover for 4 main types of natural perils
4
Coverage includes the burglary
5
Coverage includes the bodily injury, death, and properties of third parties
6
Compensate for loss of life of the members of Insured’s family
7
Value for your money
We have got your needs covered
Compare our plans in details, you'll definitely find something that suits you
| Coverage | Sum insured/Limit of Liability (THB) | |
|---|---|---|
| Plan 1 | Plan 2 | |
- Main Coverage
-
Coverage Sum insured/Limit of Liability (THB) Plan 1 Plan 2 Section 1: Fire and Additional Perils
1. Fire, lightning, Explosion, vehicle impact, aircraft, water damage
Total amount of property insured
(minimum 500,000)
Total amount of property insured
(minimum 500,000)
2. Natural Perils (Windstorm, Flood, Earthquake or Volcanic Eruption or Tidal Wave or Tsunami, Hail) Not exceeding combined limit of 20,000 per year Not exceeding combined limit of 20,000 per year 3. Rental Fee for Temporary Dwelling House (damaged by any perils covered in item 1) Not exceeding 1,000 per day and not exceeding 100,000 in aggregate
Not exceeding 1,000 per day and not exceeding 100,000 in aggregate
- Special Extended Coverage
-
Coverage Sum insured/Limit of Liability (THB) Plan 1 Plan 2 4. Windstorm, Earthquake or Volcanic Eruption or Tidal Wave or Tsunami, Hail, Strike Riot or Malicious Act (Excluding any action for political religious or ideological purpose), Smoke
As per the sum insured As per the sum insured 5. Flood
(Available for top up) (Available for top up) 6. Electrical Injury Not exceeding 30,000 any one occurrence and per year Not exceeding 100,000 any one occurrence and per year Section 2: Burglary
7. Loss or damage caused by theft to the insured property with forcible and violent breaking into or out of the premises, robbery, gang robbery. (BG.2)
Not exceeding 100,000 any one occurrence and per year
(available for top up)
Not exceeding 300,000 any one occurrence and per year
(available for top up)Section 3: Plate Glass
8. Accidental damage to Fixed Plate Glass
Not exceeding 20,000 any one occurrence and per year
(available for top up)
Not exceeding 100,000 any one occurrence and per year
(available for top up)Section 4: Third Party Liability
9. Loss or damage to a third party which the Insured shall be come legally liable to pay as a consequence or result of an accident arising from dwelling within insured premises is caused by the use of the insured premises.Not exceeding 200,000 any one occurrence and per year
(available for top up)Not exceeding 500,000 any one occurrence and per year
(available for top up)Section 5: Compensation for death of the insured and/or member of the insured’s family
10. 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 persons (name basis) caused by insured perils in Section 1 and Section 2Not Cover Not exceeding 100,000 per person and not exceeding 400,000 in aggregate - Special Clause
-
Coverage Sum insured/Limit of Liability (THB) Plan 1 Plan 2 11. Cost of Debris Removal Not exceeding 10% of Sum insured Not exceeding 10% of Sum insured 12. Cost of Fire Extinguishing Not exceeding 10% of Sum insured Not exceeding 10% of Sum insured 13. Cost of Fire Brigade Charges Not exceeding 10% of Sum insured Not exceeding 10% of Sum insured 14. Works of Art Not exceeding 1,000 per piece and not exceeding combined limit of 10,000 per year Not exceeding 2,500 per piece and not exceeding combined limit of 25,000 per year 15. Growing tree Not Cover Not exceeding 1,000 per tree and not exceeding combined limit of 50,000 in aggregate 16. Personal Effect Not exceeding 2,000 per person and not exceeding combined limit of 10,000 any one occurrence Not exceeding 2,000 per person and not exceeding combined limit of 10,000 any one occurrence
Insurance Terms and Conditions
- Insurance Terms and Conditions
-
1. This package applies to Superior class of building (Concrete with steel roof beam and tile roof).
2. This package is excluding the premise located in Yala, Pattani and Narathiwas.
3. The premise must not be in a dangerous zone announced by the Office of Insurance Commission (OIC).
4. The Company shall reserve the rights to extend the flood limit in prone area or the area with flood damage in the past 3 years.
5. This package offers 1 or 3 year coverage.
6. This package offers a policy per location.
7. Terms and conditions and exclusions are as specified in the insurance policy.
- General Exclusions
-
1. Wooden or half wooden premises or locate in conflagrative block or slum.
2. Valuables such as banknote, bond, gold and gold bullion, documents, manuscripts, diagram, paintings, securities, mold or
block, stamp duty etc.
3. Glassware, porcelain, marble or fragile objects
4. All explosive items, all vehicles either road-use, waterborne or airway
5. War and Terrorism exclusion
6. Electronics data and Internet exclusion
Disclaimers: This insurance product is underwritten by LMG Insurance Public Company Limited. The company reserves the right to make the underwriting decision on pricing and premium. | Please ensure you read carefully and understand the insurance coverages and conditions prior to make a decision. | This document is not an insurance contract. The coverages & benefits that the insured will receive depends on the definition, conditions and exclusion specified under the purchased insurance policy and coverage plan.
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