• 0.055% × apartment value (if the apartment has an automatic fire sprinkler system)
• 0.1% × apartment value (if the apartment does not have an automatic fire sprinkler system)

(Fixed liability)

• Physical damage to the apartment as regulated
• Contents insurance: VND 400 million (maximum VND 20 million per item)
• Third-party liability: VND 1.2 billion

(Flexible liability)

• Physical damage to the apartment as regulated + Risk A
• Contents insurance: VND 600 million (maximum VND 30 million per item)
• Legal liability for neighboring apartments in case of fire caused by the homeowner

(Flexible liability)

• Physical damage to the apartment as regulated + Risk A + Risk B
• Contents insurance: VND 800 million (maximum VND 50 million per item)
• Legal liability for neighboring apartments in case of fire caused by the homeowner