Home Insurance Dubai: Buy House Insurance Online @ AED 2/Day*

What is Home Insurance?

Home insurance, also known as household insurance or property insurance, is a type of coverage that protects your home and personal belongings against damage, loss or theft. This includes events like fire, water leaks, break-ins or even natural disasters. It’s a practical way to reduce financial risk if something goes wrong at home.

Home insurance in Dubai is not legally mandatory, but it’s strongly recommended, especially for homeowners and tenants in high-rise apartments or villas. While landlords usually insure the building itself, your personal belongings inside the home are your responsibility. That’s where home insurance comes in.

Best Home Insurance Plans in Dubai - 2025

Some of the best and the cheapest Household insurance quotes in Dubai are:

Why Do You Need Home Insurance in UAE?

Let’s take a look at some reasons why you should get home insurance Dubai —

Your bank may require it

If you’ve taken a home loan in the UAE, your bank may ask for it. This is done to ensure their collateral is not left unprotected against unexpected damage or loss. Thus, with mortgages, household insurance can actually become necessary.

Incidents can happen anytime

Despite our best preparations, accidents or theft are possible at any time. Their impact, however, can be significant. Even a fire, a pipe burst, or water damage can cause financial losses. With house insurance in UAE, you at least get the support of your insurer. Instead of paying for replacements or repairs, your policy can cover a major part of the expenses.

You live in a high-value home

Let’s admit it — living in Dubai makes it hard not to spend on premium gadgets, decor, furniture, and more! Think of all those shiny items that you see in malls or souks. Replacing them after an accident or theft, however, can make a big dent in your pocket. With home insurance in Dubai or any other emirate, you won’t need to worry about this.

You may be held responsible for others’ losses

Even though many among us may not know this, you can actually face liabilities inside your home. For instance, if a guest suffers an injury while visiting your home, you may have to cover their necessary expenses. House insurance Dubai, however, can cover such accidental liabilities.

Peace of Mind

Ultimately, home insurance is not just about covering costs. It’s about eliminating constant worry. Whether you’re at work or travelling, you can rest assured that your property and valuables are covered. Home cover is all about the confidence that even if something goes wrong, you won’t face the financial impact alone.

Types of Home Insurance in Dubai

When choosing household insurance, it’s important to understand the two primary types available. Each one offers distinct protection for different parts of your property and belongings —

🏠 Building Insurance

If you own a home, this type of cover is essential. Building insurance protects the structure of your property including the walls, roof, floors, doors and fixed fittings (such as plumbing and electrical systems) — against damage caused by fire, storms, leaks and other unexpected events.

It also helps cover repair costs if your home is damaged by natural disasters or accidents. Building insurance is ideal for villas, apartments and townhouses where you own the full property. It’s a smart way to protect your investment and avoid big repair bills.

🛋️ Contents & Personal Belongings Insurance

This cover protects everything inside your home, like furniture, kitchen appliances, TVs, electronics, clothes and personal items like watches or laptops. If your belongings are damaged or stolen due to fire, theft or an accident, contents insurance helps pay for repair or replacement.

This type of home insurance is great for both tenants and homeowners who want to protect the things they’ve worked hard for.

Why Choose Home Insurance with Policybazaar.ae?

At Policybazaar.ae, we make home insurance simple, reliable and tailored to your needs. Here’s why thousands of UAE residents trust us —

💸 Compare Quotes from Top UAE Insurers

We work with leading providers like GIG Gulf, Sukoon, Tokio Marine and more. You get multiple options, so you can pick the best deal for your home.

🖱️ Buy Online in Just a Few Clicks

No calls, no paperwork. Just fill in your details, compare plans, and buy your home insurance completely online — fast and easy.

🌟 Trusted by Thousands Across the UAE

Our customers choose us for a reason — we’re rated highly for our fast service, simple process and transparent prices.

🧑‍💼 Dedicated Insurance Experts

Our team is here to guide you at every step, from choosing the right policy to helping you file a claim. No jargon, just real help.

Great Value Plans with Real Benefits

From covering fire and theft to protecting personal items, our policies are packed with features—at prices that make sense.

🔐 Clear, Honest Pricing with No Surprises

We believe in 100% transparency. What you see is what you pay. No hidden fees, no fine print: just real value.

List of Cheapest Home Insurance Plans in UAE - 2025

Following table highlights some of the best home insurance plans in the UAE —

Plan Name	Insurer	Benefits	Add-Ons Available
Manzil Home Insurance	Fidelity United	Covers contents at home Loss of rent, key replacement, food spoilage, fatal injury cover	Accidental damage Personal belongings outside home Fatal injury Repatriation for helpers
Home Comfort Insurance	GIG Gulf	Includes personal belongings in and outside home Up to AED 5M liability cover Alternative accommodation Freezer spoilage	Freezer food spoilage Theft of keys Home assistance services
Home Umbrella Insurance	Sukoon Insurance	Fire, water damage, theft, accidental damage Personal documents	Water/cooling installation damage Loss of documents Optional domestic helper cover
Tokio Marine Home Insurance	Tokio Marine	Protection against common perils, theft, and damage Offers extended benefits for contents and structure	Home assistance Accidental damage Extended liability protection

Get the Best Home Insurance Quotes from Top Leading House Insurers in UAE

ADCB Insurance

ADNIC Insurance

DNI Insurance

Fidelity United Insurance

GIG Gulf Insurance

HSBC Insurance

Insurance House Insurance

Liva Insurance

RAKBANK Insurance

Tokio Marine Insurance

Sukoon Insurance

Coverage Under Home Insurance in Dubai

Protection Against Fire & Natural Events

Fire, lightning, storms, earthquakes and floods. This includes damage to the building structure, contents and sometimes outdoor fixtures like satellite dishes or trees (with limits).

Theft & Burglary Cover

Protects your home and belongings from burglary or attempted theft—usually if there’s clear evidence of forced entry. Items like electronics, appliances and valuables inside the house are covered.

Contents & Personal Belongings

Covers furniture, electronics and household items. Some policies also protect personal belongings like watches, laptops, and clothes—both inside and outside the home (if add-on is selected). Contents are even protected when moved temporarily for repairs or cleaning.

Alternative Accommodation & Rent Loss

If your home becomes unlivable due to a covered event, your insurer pays for hotel stays or rent for a temporary house. If you’re a landlord, you’re compensated for lost rent. The payout usually covers up to 12 months or 20% of the insured value—whichever comes first.

Accidental Damage Cover

Covers accidental damage to contents or fixtures—like broken glass, spilled liquids on electronics or cracked countertops. This cover is usually optional or part of higher-tier plans.

Liability & Home Assistance

Policies often include third-party liability coverage in case someone gets injured at your home or you cause damage to others’ property. Some also offer home assistance for emergency plumbing, electrical issues, or locksmith services.

Damage When Home is Unoccupied

Losses occurring when the home is left empty for more than 60 days are generally not covered. This applies to theft, water leaks or vandalism happening during the unoccupied period.

Gradual Wear & Tear

Natural wear and tear, rust, corrosion, mold and damage caused by age or lack of maintenance are not covered. These are considered part of normal property aging and upkeep.

Theft Without Forced Entry

Claims for theft or burglary without signs of forced or violent entry are usually excluded. Also, losses not backed by a police report may be rejected by the insurer.

Undeclared Valuables & Business Items

Cash, jewelry, important documents, gold, collectibles and items used for business or professional purposes are not covered unless declared and specified in the policy.

Damage by Tenants, Guests or Pets

Policies usually exclude damage caused by tenants, paying guests, domestic helpers or pets. Additionally, any intentional or careless damage by known individuals is not considered accidental.

Legal & Contractual Liabilities

No coverage for liabilities from running a business at home, contract-related damages beyond tenancy agreements, prior legal notices or injuries to staff under employment contracts.

Optional Add-ons for Home Insurance in UAE

While a standard home insurance policy offers essential protection, it may not cover every situation. Add-ons, also known as optional benefits, allow you to extend your coverage to match your lifestyle and specific risks. Below are some of the commonly available home insurance add-ons in the UAE —

Domestic Helper Cover

This add-on covers medical expenses and legal liabilities if your domestic worker is injured or involved in an accident while on duty.

Pet Protection Cover

Offers financial support for vet bills and provides liability coverage if your pet injures someone or damages property. It’s a useful option for households with pets.

Loss of Metered Water

Helps pay for excessive water bills caused by leaks or burst pipes. This is especially helpful in places where water rates are high.

Garden Protection

Covers damage to plants, landscaping and outdoor furniture due to fire, theft, storms or vandalism. It ensures that your garden is protected just like the rest of your home.

Fire Brigade Charges

Reimburses costs charged by the fire department for emergency response and firefighting. This add-on helps reduce unexpected expenses following a fire.

Pro Tip: If you are away from your home for 30 to 60 days, you can get unoccupied home insurance coverage to ensure your home remains protected. It assumes that the property will be maintained periodically and is suitable for shorter durations when the homeowner’s absence is temporary. It covers risks such as theft, vandalism, and damage while you are away.

Why Compare Home Insurance Policies Online in Dubai?

Finding the right home insurance in Dubai is easier when you compare. Here's why comparing quotes online is the smartest way to get protected —

✅ Save Money – Compare home insurance quotes in Dubai to find great deals and avoid overpaying.
✅ Get Custom Cover – Choose the right plan with the coverage, limits and add-ons that fit your needs.
✅ Quick & Easy Process – No paperwork or long calls. Compare house insurance online anytime, anywhere.
✅ Clear Information – See what’s included and what’s not — no hidden terms or confusing jargon.
✅ Trusted Choices – Read reviews and ratings to pick a reliable UAE insurer with strong claims support.

How to Compare Home Insurance Quotes in Dubai?

Comparing home insurance is easier with Policybazaar.ae. We give you multiple quotes from top UAE insurers, so you can find the right cover in just a few minutes. Here’s how to make the most of your comparison —

1️⃣ Look at What’s Covered – Not Just the Price

Don’t choose the cheapest policy without checking what’s actually included. Some plans may look similar but have very different coverage. Make sure you're getting protection for the things that matter like your personal items, home structure and even temporary housing if needed.

2️⃣ Check for Extras and Add-ons

Some policies come with added benefits like home assistance, key replacement or coverage for items outside the home. These extras can make a big difference, especially during emergencies when you need immediate support. Look at the total value, not just the basics.

3️⃣ Review and Compare Before You Decide

Take a moment to compare all your quotes side by side. What’s included? What’s excluded? Are you getting more coverage or just more cost? A few minutes of review can save you a lot of hassle later.

✅ Pro Tip: Use Policybazaar.ae to view everything in one place — cover details, prices, and add-ons — all clearly listed so you can make the best choice without any confusion.

How to Get Low Cost Home Insurance Online in the UAE?

There’s no one-size-fits-all deal, but there are smart ways to get the best home insurance in Dubai that fits your budget without cutting down on coverage. Given below are a few simple tips that can help you save more —

🕒 Start Early: Don’t wait until the last minute. Comparing home insurance quotes early gives you more time to choose the right plan at the right price.

🔍 Compare Before You Buy: Prices and cover vary a lot between insurers. Use Policybazaar.ae to compare house insurance plans side-by-side — quickly and easily.

💼 Get Only What You Need: Choose the coverage that fits your property and belongings — no more, no less. Avoid paying extra for features you won’t use.

💬 Ask the Experts: Our support team can guide you to the best deals. A quick chat with an advisor can help you find affordable home insurance without missing key protection.

💰 Adjust Your Deductible Smartly: A higher deductible (the amount you pay when you make a claim) can reduce your premium — just make sure it's an amount you’re comfortable covering.

Which Factors Affect Your House Insurance Costs in UAE?

Several factors can affect your premiums for home insurance Dubai -

Extent of Coverage

The more comprehensive your house insurance coverage, the higher the premium. This includes whether the policy covers just the structure, contents, or both, and any additional riders for specific valuables or incidents.

Value of Your Belongings

Higher value contents require higher premiums as the potential cost to the insurer for replacement is greater.

Location and Size of Your Property

Properties in areas prone to natural disasters like floods or earthquakes may face higher house insurance premiums. Similarly, larger homes can cost more to insure as they often have higher replacement costs.

Construction Materials

Buildings made with fire-resistant materials like brick may have lower premiums compared to those made with more flammable materials like wood.

Age and Condition of the Property

Older homes might have higher house insurance Dubai premiums due to the increased risk of issues with plumbing, electrical systems, and structural integrity.

Security Measures

Homes with advanced security systems, smoke detectors, and strong locks may qualify for lower premiums due to reduced risk of theft and fire.

Who Should Buy Home Insurance in Dubai, UAE?

In case you're considering whether to purchase home insurance in the UAE, the basic criterion is simple. If you own a home or live in a rented property, buying mortgage insurance is advisable. This holds true regardless of whether you are safeguarding your own property or the contents within a rental.

Here are some categories of individuals that can buy household insurance in Dubai -

Homeowners: Protecting the structure and contents of your home is crucial. House insurance Dubai can cover damages from unforeseen incidents like fires, theft, or natural disasters.
Tenants: Even if you don't own the property, buying house insurance for your personal belongings within a rented home can save you from potential losses due to theft, damage, or disasters.
Property Investors: If you own a property and rent it out, having house insurance in Dubai can protect your investment from structural damages. It can also provide liability coverage in case of accidents that may occur on the property.
Expatriates with High-Value Items: If you possess valuable items such as jewellery, art, or expensive electronics, specific home insurance in UAE can cover these items both within and potentially outside the home.

What You Need to Get a Home Insurance Quote in Dubai?

Getting a home insurance quote with Policybazaar.ae is quick, easy and hassle-free. You just need to provide a few important details and we’ll do the rest.

🏠 Are You Renting or Owning?

Let us know whether you're a homeowner or a tenant. This helps us recommend the right type of cover for the building, contents or both.

🏢 What Type of Property Do You Live In?

Is it an apartment, a villa, or a shared space? The type of home affects both the coverage needed and the premium amount.

🛋️ What Do You Want to Insure?

You can choose to cover just the building, just the contents inside your home (like electronics and furniture) or both. You can also add protection for personal belongings like laptops or jewellery.

💰 How Much Coverage Do You Need?

We’ll ask for an estimate of how much your home and belongings are worth. This helps us tailor your policy so you're neither underinsured nor overpaying.

📞 Your Basic Contact Details

Just provide your name, email, phone number and address — so we can generate quotes and keep you updated about your application.

✅ Once you’ve entered this information, you’ll get a list of quotes from top UAE insurers — all in one place, easy to compare.

Documents Required to Buy Home Insurance in Dubai & the UAE

When applying for house insurance UAE, you will need the following documents -

Property Ownership Proof: Documents proving ownership of the property, such as the title deed
Identification: Copies of passports or Emirates IDs of the property owner(s)
Property Valuation: A valuation report of the property and its contents
Previous Insurance Records: Details of any previous insurance policies, if applicable
Proof of Residence: Utility bills or tenancy contracts to confirm the address of the property
Bank Details: For premium payments and any potential claims reimbursements

Home Insurance Claim Process in the UAE

Follow the given steps for your home insurance claim process —

Notify Your Insurer Immediately: Report the incident as soon as it happens—whether it's fire, theft or damage. Most insurers have 24/7 claim hotlines or online portals.
File a Police Report (If Required): For theft, vandalism, or malicious damage, a police report is a must. Attach it to your claim documents.
Collect Proof: Take clear photos or videos of the damage and keep receipts for any affected items.
Submit the Claim: Fill out the claim form and submit it along with supporting documents like photos, invoices and police report (if needed).
Inspection & Approval: The insurer may send a loss adjuster to assess the damage. Once approved, repairs or payments will be arranged.

Tips to Choose the Right Home Insurance in UAE

Choosing the right home insurance plan isn’t just about finding the cheapest plan. It’s about understanding your specific needs and the top options available before deciding. Here are some key tips to help you choose the best fit for your home —

Know whether you need insurance for contents, building, or both

If you’re living on rent, contents insurance will be sufficient for your items and personal belongings. However, if you own a home, think of homeowners insurance — contents + building/property insurance. Understanding this first saves you from overpaying as well as underinsuring.

Check all coverage limits carefully

When reading the policy documents, look at the total coverage limit. But beyond that, also look at the specific limits for valuables. In most policies, high-value items require separate declaration. Thus, check limits for specific damages, losses, and more.

Understand both inclusions and exclusions clearly

While exploring home insurance in Dubai, we generally look at what’s covered. However, while purchasing, be mindful of the exclusions too. For instance, if you make a claim for regular maintenance of the pipeline system, it’ll be rejected. This is because policies only cover accidental damages, not regular upkeep.

Balance premiums + coverage

As with all types of insurance, the cheapest is not always the best. While it’s good to check premiums and seek cheap home insurance, also understand whether you’re getting sufficient coverage in return. For instance, check whether it covers high-cost items, alternative accommodation, and more. If you’ve domestic help, also check if the policy has add-ons to cover them.

Go with a reliable insurer

While selecting the right policy is important, it’s also crucial to check the insurance company. Ultimately, it’s the insurer who will help you out when things go wrong. So choose an insurer with a good track record, prompt claim support, and the utmost transparency.

For this, you can go online and read reviews. You can also connect with us and understand your options in the easiest way possible.

FAQs About Home Insurance Dubai

No, home insurance in the UAE is not legally required. However, it’s strongly recommended—especially if you’re a homeowner. It protects your house, contents and personal liability.

Building insurance (or house insurance) covers the structure—walls, roof, floors. Contents insurance protects your personal items inside the home like appliances, furniture. Some plans offer both in one policy.

Home insurance in the UAE can start from as low as AED 2 per day*. The price depends on factors like the size of your home, what you want to cover (building, contents or both), and the value of your belongings. Add-ons like personal belongings outside the home or accidental damage may increase the premium slightly.

To buy home insurance online, you need Emirates ID, property details (size, location) and the estimated value of contents. Most platforms like Policybazaar.ae make this process quick and paper-free.

Yes, most home insurance Dubai policies include coverage for natural disasters like floods, storms and earthquakes. But always check your policy limits and exclusions before purchasing.

Yes. You can add cover for high-value items to your household insurance Dubai. These need to be declared and may have coverage limits unless specifically itemised.

Most standard homeowners insurance does not cover business equipment or activities. You’ll need separate business coverage or a rider, depending on your insurer.

To lower your household insurance premium, consider increasing your deductible, installing security systems, and buy house insurance online. Comparing quotes from multiple insurers on platforms like Policybazaar.ae can also help you find the most cost-effective options.

Yes. Tenants can purchase contents insurance in Dubai to protect their personal belongings. The landlord's house insurance UAE usually covers only the building, not your furniture, electronics or valuables.

The best home insurance policy is the one that gives you the right coverage at a fair price. A good policy should cover major risks like fire, theft and water leaks. It should also protect your personal items and, if needed, offer extra benefits like alternative accommodation or personal liability. The top insurers in the UAE include Sukoon, GIG Gulf, Tokio Marine, and Fidelity United.