The figures are estimates for planning purposes only.
Update year 2026
Home Insurance Premiums Calculator
The Home Insurance Premiums Calculator estimates a property-cost or return estimate for your scenario from the property value, financing or rental assumptions, time period, fees and rates shown on the page. Replace the example values with your own home insurance premiums figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Estimate home and property insurance premiums, including additional coverage as required.
Calculated (estimated)
Building fee.-
Property tax.-
Additional risk.-
Including annual premiums.-
Home insurance premium rate (estimate)
Building allowance: 0.10% of building value | Property allowance: 0.15% | Flood: +0.05% | Storm: +0.02% | Theft: +0.08%
Frequently asked questions
How does home insurance differ from accident insurance?
Home insurance is a comprehensive policy that covers multiple risks in one policy, including fire, thunderstorm, bomb, storm, flood, earthquake, and theft, while basic accident insurance covers only fire, thunderstorm, and bomb.
How much should I insure my home?
The house should be insured at the value of the entire new building (not the market price) depending on the size of the house and the construction materials. Generally, construction costs are estimated at 8,000-15,000 baht/sq. m. for a normal house.
Should the property inside the house be insured separately?
Separately insure high-value in-house assets such as furniture, appliances, electronic devices, list all assets and values, and insure for replacement value.
Installments and interest are numbers for preliminary screening of plans. Before actually applying, you should compare rates, fees, and conditions from service providers.
Calculated based on the principal, rate and term you enter.
This does not include certain types of fees, insurance or specific promotional conditions.
The total installment should not put pressure on monthly cash flow.
Disclaimer: The calculations are estimates. The actual premiums are to be checked directly with the insurance company.
English calculator guide
How to use the Home Insurance Premiums Calculator
Use this page to test a specific home insurance premiums scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the home insurance premiums estimate instead of relying on a generic example.
Build a baseline home insurance premiums case with figures that match your situation.
Run a second home insurance premiums case after changing the rate, period, quantity or other key assumption.
Record the difference between the two home insurance premiums results and the input responsible for it.
Inputs for the home insurance premiums estimate
For this home insurance premiums calculation, check the property value, financing or rental assumptions, time period, fees and rates shown on the page. The result is designed to show a property-cost or return estimate for your scenario, not a guaranteed provider price or official decision.
How the home insurance premiums result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same home insurance premiums inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a home insurance premiums decision
Confirm current lender, tax, transfer and provider terms before committing. For home insurance premiums, Use the estimate to compare scenarios. Actual premiums, cover, exclusions, excesses and acceptance are set by the insurer and can differ from this planning result. Because this calculation can affect an important financial, legal or health decision, independently verify the inputs and current rules before relying on the result.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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