What is Home Smile?

It is a  policy which safeguards your house, townhouse, apartment or condominium with:

  • Protective cover for loss of or damage by fire and burglary
  • Plate glass coverage
  • Public liability

Key coverage

Here is an overview of your coverage.

Fire Insurance

Fire Insurance

Covers fire, lightning, explosion, vehicles, animals, aircraft impact, and water damage

  • Extension: Windstorm, smoke, earthquake, volcano eruption, tidal wave or tsunami, hail, riot, strike, vandalism, malicious acts and electrical injury

Burglary Insurance

Burglary Insurance

Covers loss or damage to the property within building or any part of building arising from theft with forcible entry, robbery, and gang robbery at the insured premises

Plate Glass Insurance

Plate Glass Insurance

Cover Loss or damage to plate glass within the premises

Public Liability Insurance

Public Liability Insurance

Covers legal liabilities to pay as a result of accidents occurring at the premises

How much is my premium?

Your premium may vary, depending on:

  • The type of cover
  • Description of building
  • Sum insured for furniture and household appliances
  • Total internal area


Download our brochures under the Product Literature

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What we don't cover

Fire Insurance

1.     Following property,  unless specifically written on the policy otherwise

  • Silver, gold, jewellery
  • Antiques, works of art exceeding THB 10,000
  • Originals or copies of documents, plans, specifications, paintings, models, patterns, or moulds
  • Securities, bonds, important documents, stamps, money, checks, or business documents
  • Explosives
  • All types of vehicles:  land, waterborne, or airborne
  • Damage to electrical appliances or electrical components, circuits, electrical equipment, wiring, lamps as a result of overrunning, over voltage, short circuit, sparking, self-ignited wiring, electrical leakage, and wear and tear from the use of such equipment
  • Trees, landscape, grass
  • Destruction of property by order of any public authority

2.     damage directly or indirectly caused by or arising from war, invasion act of foreign enemies, hostilities or warlike operations (whether war be declared or not) civil war, mutiny,  riot, strike, civil commotion, terrorism, revolution, military rising, insurrection, rebellion or event leading to the announcement of martial law

3.     Damage directly or indirectly caused by or arising from:

  • Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.  Combustion shall include any self-sustaining process of nuclear fission
  • Nuclear explosions or nuclear materials or other dangerous substance which can cause  nuclear explosionsdeductibles borne by the insured as specified on the schedule

Burglary Insurance

  1.  Loss or damage occurred to the Insured’s premises if left unoccupied or unattended for more than 7 days
  2.  Loss or damage to mobile phone, computer notebook, property left in the balcony or open areas
  3.  Losses and damages arising out of personal legal residence within the premises of the insured, the insured, whether incurred directly or indirectly with the intention or knowledge of the insured or family members. Servants in the house insured whether acting alone or in collusion with other participants.
  4.  Loss or damage to money, gold coins, jewellery, art objects, antiques, original documents, maps, plan land painting design pattern or print collateral debt securities in various important documents, postage stamps, foreign banknotes, credit cards, bank cards, cheque books or any book about business

Plate Glass Insurance

This Insurance Policy does not cover:

  1.  Deformation or damage in addition to crack
  2.  Fracture, which occurred during transportation or during installation or removal, or while altering the location specified in the insurance policy
  3.  Fracture resulting directly or indirectly from :
  • Flood, typhoon, hurricane force winds, storm wind, windstorm, volcanic explosions, earthquakes or other natural variations
  • Detention, seizure or confiscation

Public Liability Insurance

  1. Any liability as a result of judgement or judicial system other than Thailand or arising from the Thai Court specifying that the case must be judged overseas.
  2. Any automobile liability of the Insured whether as an owner, a carekeeper, a driver, a contracted person, an advisor  or anyone acting on behalf of the insured (including any machinery or any vehicles propelled by an engine)
  3. Any liability as a result of construction, improvements, demolishing or any constructions.
  4. Any liability arising from, directly or indirectly due to flood, polluted water, chemical substance, dust, smoke, gases, liquid, or substance which are polluted, pollution or any polluted environment
  5. Any liability as a result of sinking of land, vibration, removal or weakening of support
  6. Assumed contractual liability
  7. Liability arising from :
  • Advice, technical or professional services by the Insured or anyone acting on behalf of the Insured
  • Medical malpractice except for first aid
  • Fines and penalties of any kind


Remark: It is only a summary of general terms Agreement Protection and exception. Therefore, the insured should study the details of the insurance policy and the insurance plan that has been thoroughly

Important information

These plans are subject to the supervision and administration of Tokio Marine Insurance (Thailand) PCL by plan coverage and benefits thereof, all of which are subject to the requirements of the company. It used to be for reference only