Last updated: April 2026
Choose the deposit plan that fits your approval
Traditional rentals often require a 1–2 month security deposit upfront, often ฿19,000–฿38,000 or more. Homa offers three lanes: local-price 2-month deposit, recommended 1-month deposit, and approval-only zero deposit. Less deposit means a higher monthly premium and stronger ability-to-pay review.
Lowest monthly rent with the standard refundable deposit
Recommended balance of lower upfront cash and review discipline
What's covered
For lower-deposit plans, Homa protection covers the missing deposit gap up to the home's standard deposit amount. It is damage protection, not rent insurance.
- Accidental damage to furniture, fixtures, and appliances
- Damage to walls, floors, and doors
- Missing inventory items documented at check-in
- Professional cleaning if unit left in poor condition
- Key or access-card replacement
What's not covered
These situations fall outside the scope of protection.
- Intentional or reckless damage
- Damage exceeding the standard deposit amount (tenant liable for excess)
- Unpaid rent or utility charges
- Damage caused by unauthorized pets
- Damage from smoking in non-smoking units
- Normal wear and tear (not claimable by landlord)
- Damage reported without photo or video evidence
- Claims submitted more than 7 days after move-out
How claims work
A straightforward, evidence-based process that's fair to both sides.
Landlord submits claim
Within 7 days of move-out, the landlord submits a claim with timestamped photos documenting the damage.
Compared against move-in report
The claim is reviewed alongside the move-in condition report and inventory checklist to verify the damage occurred during the tenancy.
Homa Estates reviews evidence
Our claims team reviews all submitted evidence within 5 business days and makes a fair, independent assessment.
Payout or resolution
If approved, the landlord receives a payout and the tenant is notified of the outcome and amount.
Escalation available
If either party disagrees with the decision, the dispute can be escalated to platform arbitration for a final ruling.
Evidence requirements for landlords
To protect both parties, all claims must be supported by documentation.
- Move-in photos taken before the tenant’s arrival
- Move-out photos taken within 24 hours of departure
- Inventory checklist signed by both tenant and landlord
- Repair quotes or invoices for claimed damage
No documentation = no payout
Claims without adequate photo/video evidence or without a move-in condition report will not be approved, regardless of the reported damage.
Protection tiers
Included with approved lower-deposit plans
Higher coverage for luxury and high-value properties
Ready for a clearer move-in?
Browse verified long-stay apartments and start with the recommended 1-month deposit plan.
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