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Home insurance covers you when the unexpected happens — like a fire, theft or a major leak. It helps pay for repairs or replacements so you're not left with a heavy bill. With home insurance in Dubai, you can safeguard your home or possessions against unforeseen damages and losses. The right cover ...read more
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.
Some of the best and the cheapest Household insurance quotes in Dubai are:
Let’s take a look at some reasons why you should get home insurance Dubai —
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.
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.
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.
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.
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.
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 —
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.
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.
At Policybazaar.ae, we make home insurance simple, reliable and tailored to your needs. Here’s why thousands of UAE residents trust us —
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.
No calls, no paperwork. Just fill in your details, compare plans, and buy your home insurance completely online — fast and easy.
Our customers choose us for a reason — we’re rated highly for our fast service, simple process and transparent prices.
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.
From covering fire and theft to protecting personal items, our policies are packed with features—at prices that make sense.
We believe in 100% transparency. What you see is what you pay. No hidden fees, no fine print: just real value.
Following table highlights some of the best home insurance plans in the UAE —
Plan Name | Insurer | Benefits | Add-Ons Available | Quotes | |
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Manzil Home Insurance | Fidelity United |
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Home Comfort Insurance | GIG Gulf |
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Home Umbrella Insurance | Sukoon Insurance |
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Tokio Marine Home Insurance | Tokio Marine |
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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 —
This add-on covers medical expenses and legal liabilities if your domestic worker is injured or involved in an accident while on duty.
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.
Helps pay for excessive water bills caused by leaks or burst pipes. This is especially helpful in places where water rates are high.
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.
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.
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.
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 —
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.
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.
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.
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.
Several factors can affect your premiums for home insurance Dubai -
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.
Higher value contents require higher premiums as the potential cost to the insurer for replacement is greater.
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.
Buildings made with fire-resistant materials like brick may have lower premiums compared to those made with more flammable materials like wood.
Older homes might have higher house insurance Dubai premiums due to the increased risk of issues with plumbing, electrical systems, and structural integrity.
Homes with advanced security systems, smoke detectors, and strong locks may qualify for lower premiums due to reduced risk of theft and fire.
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 -
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.
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.
Is it an apartment, a villa, or a shared space? The type of home affects both the coverage needed and the premium amount.
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.
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.
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.
When applying for house insurance UAE, you will need the following documents -
Follow the given steps for your home insurance claim process —
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 —
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.
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.
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.
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.
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.
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.