Home Insurance Dubai

What is Home Insurance in UAE?

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.

Key Features of Home Insurance in Dubai & UAE

Parameters	Home Insurance Benefits Offered
Home Insurance Cost	Starting from around AED 2/Day
Coverage Amount	Based on building value or contents value selected
Policy Type	Building Insurance, Contents Insurance, or Combined Cover
Process for Claims	Insurer claim portals
Who Should Buy	Homeowners, Tenants, Landlords, Property Investors
What Is Covered	Fire, Theft, Water Leakage, Natural Events, Liability
Buy / Renewal Process	Online

Why Choose Policybazaar.ae for Home Insurance in Dubai & UAE?

When you’re comparing home insurance in Dubai or anywhere in the UAE, the platform you buy from matters as much as the policy itself. Policybazaar.ae allows you to compare home insurance plans from multiple insurers. This way, you can make a decision based on coverage, price, and suitability.

Which Type of Home Insurance Do You Need?

If you’re unsure which home insurance policy you need, you’re not alone. Many people in Dubai buy cover without realising whether they should be insuring the building, the contents, or both. The table below simplifies this decision based on your living arrangement.

Your Situation	Recommended Cover
You own and live in the property	Building + Contents
You own a rental property	Building (plus loss of rent, if available)
You rent an apartment or villa	Contents insurance
You own a furnished home	Combined cover

List of Cheapest Home Insurance Plans in UAE - 2026

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

Plan Name	Insurer	Benefits	Add-Ons Available		Quotes
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		Get Quotes
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		Get Quotes
Home Umbrella Insurance	Sukoon Insurance	Fire, water damage, theft, accidental damage Personal documents	Water/cooling installation damage  Loss of documents Optional domestic helper cover		Get Quotes
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 Quotes

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

Why Do You Need Home Insurance in UAE?

Whether you own a villa, live in a rented apartment, or want to protect your valuables, home insurance UAE is more than a luxury. It’s a practical step to protect yourself from unforeseen cost burdens.

1. Protection from disasters and mishaps: From fire, theft, and vandalism to water leaks or storm damage — these are incidents that are thankfully rare but not impossible. Home insurance can cover the repair or replacement costs.
2. Cost-effective safety net: Compared to the value at stake (building or contents), the cost of home insurance remains modest. For many, it’s a small price for significant protection.
3. Bank / mortgage requirement (when applicable): If you’ve taken a home loan or mortgage in UAE, building insurance may be required by the lender to protect their investment. Miss this, and approval can get complicated.
4. Protection for tenants and contents: Even renters can protect furniture, electronics, appliances, and personal belongings. This is especially useful if you live in a furnished home or move frequently.
5. Liability coverage: If a guest gets injured in your home or you unintentionally cause damage to someone else’s property, liability cover can help absorb legal or medical costs.
6. Protection when away or travelling: Many UAE residents travel frequently or split time across countries. Household insurance offers reassurance that your property, even when vacant, remains protected.

What Does Home Insurance Dubai Cover? (Inclusions & Exclusions)

Home insurance coverage in Dubai and across the UAE depends on the type of policy you choose — building insurance, contents insurance, or a combined plan. While insurers may vary in limits and add-ons, most policies follow a similar coverage structure.

✅ What’s Covered Under Home Insurance in the UAE?

The following cover is commonly included under standard home insurance Dubai —

Coverage	What Home Insurance in UAE Covers
Fire & Smoke Damage	Damage caused by fire, explosions, or smoke inside the insured property
Theft & Burglary	Loss or damage to insured items following forced or violent entry
Water Damage	Damage caused by burst pipes, leaking tanks, or internal plumbing faults
Natural Events	Storms, heavy rain, floods, and similar events (subject to policy limits)
Household Contents	Furniture, electronics, appliances, clothing, and personal belongings
Building Structure	Walls, floors, ceilings, fitted kitchens, wardrobes, and bathrooms
Third-Party Liability	Injury or property damage caused to guests, neighbours, or domestic staff
Alternative Accommodation / Loss of Rent	Temporary housing costs or lost rental income after a major claim

❌ What’s Usually Not Covered in Home Insurance?

Home insurance does not cover every type of loss. Common exclusions across UAE home insurers include —

Exclusion	Explanation
Wear & Tear	Ageing, corrosion, rust, or poor maintenance
Intentional Damage	Damage caused deliberately or due to negligence
Uninsured Valuables	Jewellery, watches, or high-value items not declared or added separately
Vacant Property Losses	Claims arising when the property is vacant beyond allowed periods
Business Use	Damage linked to commercial or business activities from home
War & Terrorism	Unless specifically covered as an add-on

How Much Does Home Insurance for Tenants Cost in Dubai?

The cost of home insurance for tenants in Dubai is generally affordable, especially when compared to the value of the belongings being insured. Since tenants only insure their contents — not the building — the premium is usually lower than a homeowner’s policy.

Basic home contents insurance in the UAE can start from around AED 2 per day, with the final premium depending on a few simple factors.

Average Cost of Tenant Home Insurance in Dubai

Type of Cover	Typical Cost Range
Basic contents insurance	From ~AED 2 per day
Higher coverage limits	Depends on the contents value
Policies with add-ons	Higher than the base premium

Note: These values are indicative. Actual premium depends on the insurer, coverage limits, and selected add-ons.

Factors That Affect Tenant Home Insurance Cost

The final price of tenant insurance in Dubai depends on —

1. Total value of your belongings (electronics, furniture, appliances)
2. Property type (furnished or unfurnished)
3. Coverage limits and deductibles
4. Optional add-ons such as jewellery cover or accidental damage
5. Previous claim history, if any

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 —

1. 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.
2. File a Police Report (If Required): For theft, vandalism, or malicious damage, a police report is a must. Attach it to your claim documents.
3. Collect Proof: Take clear photos or videos of the damage and keep receipts for any affected items.
4. Submit the Claim: Fill out the claim form and submit it along with supporting documents like photos, invoices and police report (if needed).
5. Inspection & Approval: The insurer may send a loss adjuster to assess the damage. Once approved, repairs or payments will be arranged.

Last Updated At - 05 February 2026

FAQs About Home Insurance Dubai