What is the purpose of the insurance charge when renting a house in Hua Hin, and will I get it back?

I have never heard of insurance.. Also I have never rented in Hua Hin. Have you talked to other landlords? Are they also doing that?

I read something a little while ago that since 2017 (I think) it's illegal to charge 2 month security deposit. Only now allowed to charge 1 month. That won't stop then for trying though!

A few years ago law changed to provide e for any landlord with 4 or more units could only charge 1 month security.

Thing to watch. Law says pay Elect at govt rate. Many owners try and charge 7 or 8 bt/unit, in many cases doubling rent.

Have noticed new scam of Insurance fee. No such thing. They all have friend selling insurance with kickbacks. Unless you need personal insur. for valuables..just say no.

There are some reputable landlords, I received my deposit back after four years of renting in Pattaya.

I've always gotten my deposit back. But I leave the condo at least as clean as I found it, photographically document any existing damages when I move in, and have those attached to the lease and initialed by the owner or property manager.

As a landlord, I usually ask for one month rent in advance plus two-month deposits. There’re a few reasons for that. (1) A tenant has to inform us one month in advance before moving out so he doesn’t have to pay the rent for his final month. (2) There will always be 2,000THB cleaning deposit and pending water/electric bills after the tenant moved out. I normally ask for the tenant’s bank account number so I can transfer back the remaining balance of his deposit. Not sure how other landlords do it.

The truth is, according to Thai law, landlords are only supposed to charge one months rent along with one months deposit. The trouble is, Thai’s have never been very good at following the rules and only very few people or regions follow this to the letter.... it doesn’t help any when foreigners come here and follow suit or over pay for homes and apartments that would otherwise be cheaper for us just because we can afford to pay more than your average Thai. It creates a dangerous precedent. Thai’s are not reasonable/logical people and once one idiot over pays on a place, that figure 💰 gets locked in a Thai’s head and its syanora sucka for the rest of us as they only see foreigners as walking ATM’s with 🤑dollar signs in their eyes— 😂 I’ve come to see that mostly realtors charge 3 months. Probably where they get their commissions although actual landlords probably do it when they offer a furnished place despite that still being illegal— 😉

As far as getting it back, depends on many factors such as any damage or cleaning fees. Also not all owners give it back. My experience is usually a 50% loss for made up reasons and standard cleaning fee.

Some people call the security deposit "insurance". Is that what they mean?

All we paid is 1 month advance and 1 month security deposit for condo in BKK

What insurance charge? I've never heard if anyone being charged renters insurance in Thailand, didn't even know that was a thing here.

Normally on a 12 month lease it's 2 months security but I'd encourage you to negotiate down to 1 month security deposit.