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

What is Home Insurance?

Home insurance is a type of insurance that financially protects your home and belongings from unexpected events like fire, theft, water damage or natural disasters. It minimises your financial losses if your home or valuables are damaged. Generally, this insurance type provides coverage for rented houses, your own house, apartments and even luxury mansions.

Also referred to as household insurance, it includes coverage for personal items such as furniture, electronics and appliances. Some plans also offer extra benefits like alternative accommodation if your home becomes unlivable.

Best Home Insurance in UAE

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

Key Features of Home Insurance

Let’s take a look at the key features of home insurance in Dubai —

Feature	Details
Starting Cost	Premiums start from around AED 2/day* (approximately AED 730 per year), depending on the coverage and value of the property.
Key Coverages	Covers home contents, building structure, personal belongings and third-party liability
Included Events	Protection against fire, theft, water leaks, natural disasters, accidental damage
Top Insurers	Popular providers include Sukoon, GIG Gulf, Tokio Marine, Fidelity United, and more
Add-on Benefits	Optional covers include home assistance, freezer spoilage, key replacement and fatal injury benefit
How to Buy	Easily purchased online through platforms like Policybazaar.ae in just a few steps
Policy Term	Usually offered for a one-year term with options to renew annually
Claim Process	File claims online or by phone; most insurers require incident documentation and photos

Types of Home Insurance in Dubai

When choosing home 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

Also known as house insurance Dubai, this type of policy protects the physical structure of your home. It covers damage to the walls, roof, floors, doors, windows and built-in fixtures caused by fire, natural disasters, water leaks or accidents. If you're a homeowner, this is essential to protect the investment in your property.

Building insurance is especially important for villas, apartments and townhouses where you own the full structure.

Contents & Personal Belongings Insurance

Contents insurance covers the items inside your home—furniture, appliances, electronics, clothing and even valuables like watches or laptops. If these items are lost or damaged due to theft, fire or other covered events, your insurer will pay for repair or replacement. Some plans also extend coverage to belongings you carry with you outside the home.

This type of home insurance in Dubai is useful for both homeowners and tenants who want to protect their personal property.

Why Should You Buy Home Insurance Through Policybazaar.ae?

Buying home insurance in Dubai doesn’t have to be complicated — and that’s exactly why thousands of customers choose Policybazaar.ae. We’ve made the process simple, fast and completely transparent so you can protect your home with ease.

Here’s why you should buy household insurance from us —

Compare Home Insurance Quotes Instantly

You get real-time quotes from top insurers in the UAE—so you can choose the best plan that fits your needs and budget.

Buy Home Insurance Online in Minutes

No paperwork. No long calls. Just fill in a few details and you can buy your homeowners insurance completely online.

Top UAE Insurance Providers All in One Place

We partner with trusted names like GIG Gulf, Sukoon, Tokio Marine, and more—offering you the most reliable household insurance options.

Expert Help, Anytime You Need It

Our support team and insurance experts are always ready to guide you—whether you're buying or making a claim.

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.

100% Transparent, No Hidden Costs

We show you exactly what you’re paying for. So when you compare and buy house insurance online, you know you’re getting honest value.

Choose Cheap Home Insurance Company 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

Insurance House Insurance

Liva 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.

How to Save Money on Home Insurance Online in UAE?

Here are some effective tips for saving money on best home insurance Dubai -

Compare Before You Commit

Don’t rush into the first policy you see. Take a moment to compare plans from different providers. Websites like Policybazaar.ae make it easy to find the best deals on homeowners’ insurance and help you choose the right cover at the right price.

Buy Directly Online

Getting your household insurance Dubai policy online can save you both time and money. Many insurers offer lower rates for online purchases—no paperwork, no middlemen, just a better deal for you.

Adjust Your Deductible Smartly

If you’re looking for cheap home insurance, choosing a higher deductible can lower your premium. Just make sure it’s an amount you’re comfortable paying out of pocket if you ever need to make a claim.

Why Compare Home Insurance Policies Online in Dubai?

Comparing house insurance policies online is essential for finding the best coverage at competitive rates. By evaluating multiple quotes, you can get the protection you need without overspending.

Here are some key reasons to compare household insurance Dubai policies online -

Customised Coverage Option

With household insurance options available online, you can review different coverage levels and add-ons. This can help you select a policy tailored to your specific needs.

Cost Savings

By comparing quotes from various insurers, you can find the best deals and discounts. This can potentially save you hundreds of Dirhams annually.

Convenience

The online process is quick and easy. You can gather and compare quotes from the comfort of your home without any lengthy phone calls or in-person meetings.

Transparent Information

Online platforms provide clear information about house insurance UAE policy details, exclusions, and terms, helping you make informed decisions.

Customer Reviews and Ratings

Access to customer reviews and ratings helps you choose a reliable insurer with good customer service and claims handling experience.

Also, read what are the top three reasons that compel UAE residents to invest in home insurance

Which Factors Affect Your House Insurance Premiums 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.

Premium of Home Insurance in UAE

The premium is the cost you pay for the coverage you get from your home insurance policy. Policybazaar.ae is a leading platform in the UAE known for offering competitive premiums for house insurance. Household insurance UAE premiums can start as low as AED 2* per day. However, the cost may vary based on factors such as your location, coverage options, and specific requirements.

With Policybazaar.ae, you can secure the best home insurance in Dubai and across the UAE so that your home is well-protected at a price that fits your budget.

*T&Cs apply

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.

Additional Add-ons for Home Insurance in UAE

Add-ons help you get protection that is not generally covered in your house insurance standard policy. They enhance and improve your coverage, providing additional security for specific needs. Given below are some common home insurance add-ons in the UAE:

Domestic Servant Cover

This add-on provides coverage for medical expenses and legal liabilities arising from injuries or accidents involving your domestic workers.

Pet Cover

This covers veterinary expenses and liability if your pet causes damage or injury. It’s ideal for pet owners who want to protect their pets.

Loss of Metered Water

This add-on covers the cost of lost water due to burst pipes or leaks. It’s particularly useful in regions with high water costs.

Garden Cover

Protects plants, trees, and garden furniture from damage due to events like storms, vandalism, or fire. This ensures your outdoor spaces are as secure as your home.

Fire Brigade Charges

Covers the costs incurred by the fire brigade for extinguishing a fire and mitigating further damage. This can be crucial in reducing out-of-pocket expenses after a fire incident.

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.

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

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.

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.

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.