Home contents insurance for renters covering theft
I'm renting a house and so I'm trying to get contents insurance for my belongings.
The problem that I am facing is that seemingly all Thai insurance policies have very heavy restrictions on the amount covered for theft and burglary. E.g insuring 500,000 THB of belongings will only cover 50,000 - 100,000 THB in the event of theft or burglary.
Has anyone else successfully navigated this process and have a reasonable amount of theft cover? I'm on my 4th agent as well as my own digging and it is hard to find anything suitable.
To me theft and burglary is the #1 likely claim (which I guess the insurer is reflecting). 100,000 isn't much really. It would be very quick for a thief to steal items of that value.