from thaivisa thread
http://www.thaivisa.com/forum/topic/426487-insurance-for-possessions-inside-condo/
"Important : do check to make sure the Owner has the interior of the condo (everything from A/C's to the kitchen and bathroom) insured as you are responsible for anything that may happen while you are there."
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"I live in a rented unit in a Thai family owned and occupied building, and the Thai owner doesn't carry their own insurance. So I wanted insurance to cover both my own possessions and to protect myself for liability should anything happen while I'm living there...
I consulted with a very good, professional English speaking Thai insurance broker in BKK that I've used happily for the past four years to place my Thai medical insurance....and later other policies such as this one...
The result was to obtain a "Smart Home" policy from AXA Insurance, a large and well-reputed company. I pay about $100 a year and get:
--5 million baht Thailand personal liability coverage for both bodily injury to others and property damage including from fire.
--1 million baht building and home contents coverage, with a 2000 baht deductible for water, wind, earthquake and flood damage.
--100,000 baht cover for temporary accommodation
--200,000 baht cover for family member loss of life
--100,000 baht forcible burglary coverage
For whatever reason, the policy stipulates it excludes coverage for small portable electronics such as laptops, digital cameras, mobile phones and watches...
Another company that offers similar but less expensive policies is MSIG. Both AXA and MSIG policies, essentially to cover renters, should be available from any good local insurance broker. With the relatively modest cost of such policies, there's no reason in my view that anyone renting in Thailand should go unprotected."
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The place burns down or stuff gets stolen; you're liable. Really?!!