SmartCover Guide

Renter’s Insurance in Thailand: Do Expats Need It? (2025 Guide) Last updated: February 22, 2026 • Audience: Expats renting property in Thailand Many expat renters assume the landlord’s insurance fully protects them — it usually doesn’t. Most expats in Thailand rent apartments or condominiums. While landlords often insure the building, many renters mistakenly believe their personal belongings and liability are also covered. In reality, landlord insurance typically protects the property — not the tenant’s belongings or personal responsibility . This guide explains whether expats really need renter’s insurance in Thailand , what it covers in 2025, typical costs, and when it makes financial sense. What’s inside this guide What is renter’s insurance in Thailand? Is renter’s insurance mandatory for expats? What renter’s insurance typically covers Common situations expats underestimate How ...