Safeguard Your Haven, Secure Your Peace of Mind!
Safeguard your home and everything you’ve worked hard for with our trusted home insurance in UAE. Whether its fire, theft, or natural disasters, our comprehensive plans offer complete protection and peace of mind. As a dedicated home insurance provider, we help you find the right coverage tailored to your needs. Enjoy the comfort of knowing your family and property are well-protected — because your home deserves nothing less than the best defense.
Benefits & Features of a Home Insurance Policy
FAQs About Home Insurance In UAE
Is home insurance mandatory in UAE?
No, it is not mandatory by law for tenants or cash buyers. However, if you have a mortgage, the bank will make building insurance compulsory to protect their financial interest in the property.
How much does home insurance cost in the UAE?
It is very affordable.
(i) For Tenants (Contents only): Policies start from as low as AED 200 – AED 400 per year.
(ii) For Owners (Building & Contents): Typically costs around 0.1% of the property’s value (e.g., approx. AED 2,000/year for a villa worth AED 2 million).
Does home insurance cover water damage?
Generally, yes, but with conditions. Standard policies cover internal issues like burst pipes or tank leaks. Damage from natural floods or rain requires a specific “Natural Perils” extension, which is vital to check for in your policy.
Is home insurance compulsory for home loan?
Yes. UAE banks require Property All Risk insurance (covering the physical structure) before they will release the final loan amount. They also mandate Life Insurance to cover the mortgage balance.
Can tenants buy home insurance?
Yes, and they should. It is called “Contents Insurance”. It protects your furniture, electronics, and jewelry from fire, theft, or flood. Landlord insurance never covers a tenant’s personal belongings.
Does home insurance cover alternative accommodation?
Yes. If your home becomes uninhabitable due to a covered event (like a fire or major flood), comprehensive policies will pay for your temporary stay in a hotel or rental apartment, typically capped at a specific amount (e.g., AED 25,000) or duration.
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