Home Insurance in Dubai & the UAE

Home is where the heart is. Your home is your sanctuary, and it’s important to protect it. In today’s world, unexpected events can happen in an instant. Natural calamities, robberies, fires, and burglaries can cause significant damages and losses. That’s why having coverage for your house and its belongings is essential.

With home insurance in Dubai, you can quickly and efficiently protect your home from these unforeseen events.

What is Home Insurance in UAE?

Home insurance is a policy that covers the costs and damage to your home or any insured property. It is a form of property insurance and a type of general insurance product. Home insurance in UAE protects your building and its contents such as electronics and personal valuables. Some policies even offer personal liability coverage and protect you against legal claims from injuries or damages sustained by others on your property.

Also known as household insurance in Dubai, it is available for landowners, tenants, and landlords. This insurance can be taken for various properties, including bungalows, villas, apartments, rented flats, and owned houses.

Many insurers in the UAE offer house insurance policies to cover various kinds of damage. These policies may differ in coverage based on factors like residence type, size, age, and location. The type of coverage you choose is crucial. It determines the premium and deductible you pay.

💡 Pro Tip: Some of the top home insurance policies in the UAE also provide coverage for alternative accommodation. So if your home becomes uninhabitable due to covered damages, your insurance may cover the cost of temporary housing too.

Key Features of Home Insurance

Parameter	Details of Home Insurance
Minimum Premium	AED 2* per day
Savings	Up to 15%*
Buying Platform	Policybazaar.ae portal or from the insurer's website
Claim Assistance	Policybazaar provides quick claim assistance. Most insurers in the UAE offer an online insurance claim process.
Renewal	Home insurance policies can be renewed via Policybazaar.ae portal
Policy Terms	Vary between insurers — generally include details on the duration, renewal options, and premium payment terms
Customer Support	24/7 customer support available from most insurers to handle emergencies and claims

*T&Cs apply

Why Should You Buy Home Insurance Through Policybazaar.ae?

Policybazaar.ae is a trusted online insurance marketplace in the UAE, with many awards for customer service and innovation to its name. People choose Policybazaar.ae for its reliable and easy-to-use platform. You can compare different home insurance plans and find the best deals on Policybazaar.ae. Offering quick and simple online applications, it’s a popular choice for home insurance in Dubai and provides tailored plans to suit your needs.

Types of Home Insurance Policies

Household insurance in Dubai is generally divided into two main types — Building Insurance and Content Insurance.

1. Building Insurance - Building insurance covers the physical structure of your home. This may include the walls, roof, and built-in fixtures. This type of insurance is essential if you want to cover your property against physical damage due to events like fires, storms, or burglaries. For instance, if a fire damages the structure of your home, building insurance would cover the repair costs.

2. Contents Insurance - Contents insurance, on the other hand, covers the items inside your home, such as furniture, electronics, and personal belongings. If you're looking to secure coverage for the loss or damage of personal items due to incidents like theft or natural disasters, this type of household insurance Dubai would be your go-to option.

💡 Pro Tip: While the law does not mandate house property insurance, mortgage lenders often require it to obtain a loan. Thus, it is always advisable to buy the best home insurance in Dubai as per your requirements.

Features and Benefits of Home Insurance

Let’s take a look at the key features of home insurance in detail -

Category	What's Included
Building Insurance	Fire damage, Lightning, Explosion, Earthquake, Storm and flood, Impact damage, Accidental damage, Vandalism, Riot and civil commotion, Wind damage
Contents Insurance	Personal belongings, Furniture, Electronics, Appliances, Jewellery, Valuable documents, Loss of money, Spoilage of food in freezer, Office equipment and furniture
Liability Insurance	Third-party liability, Tenant's liability, Landlord's liability, Personal liability, Legal liability (owner/occupier), Employer's liability for domestic servants
Accidental Damage	Damage to building. Damage to contents, Breakage of fixed glass, Sanitary fixtures, Underground facilities, Fire brigade charges, Extinguishing expenses, Plumbing damage
Personal Belongings	Laptops, Mobile phones, Sports equipment, Musical instruments, Photographic equipment, Jewellery, Watches, Clothing, Luggage

Explore more about home insurance UAE coverage details!

How to Save Money on Home Insurance Online in the UAE?

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

1. Compare Home Insurance Quotes: Before settling on a policy, make sure to compare quotes from different insurers. You can do so through Policybazaar.ae, which offers a wide range of options and competitive pricing.
2. Buy Online: Purchasing home and house insurance online can be highly cost-effective. Many insurers, in fact, offer discounts for policies bought online. 
3. Go for Higher Deductibles: Choosing a higher deductible can significantly lower your house insurance Dubai premium costs. However, make sure it’s an amount you can afford to pay out of pocket in case of a claim.

Read More - Quick tips to get best home insurance in the UAE!

Why Compare Home Insurance Policies Online? 

Comparing home 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 Options: With home 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 home 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 Home Insurance Premiums?

Several factors can affect your premiums for home insurance Dubai -

1. 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.
2. Value of Your Belongings: Higher value contents require higher premiums as the potential cost to the insurer for replacement is greater.
3. 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.
4. Construction Materials: Buildings made with fire-resistant materials like brick may have lower premiums compared to those made with more flammable materials like wood.
5. 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.
6. 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.

What is Covered in Home Insurance — and What’s Not?

Inclusions	Exclusions
Coverage against disasters	Gradual deterioration
Damage or loss of personal belongings within your home	Losses from illegal or dishonest activities
Personal liability	Destruction caused by pets
Shifting homes within the UAE using professional movers and packers	Damage due to war, invasion, or acts of foreign enemies
Protection for valuable personal items like jewellery and artwork	Hostilities or nuclear risks
Tenants liability	Wear and tear, settlement, or shrinkage
Breakdown of home appliances	Mechanical or electrical breakdown not covered
Accidental damage to building and contents	Damage due to faulty workmanship or defective design

Want to dive deeper? Let’s see what other things you didn’t know are covered by home insurance!

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 home insurance. Home 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. To get a personalised quote and protect your home, click now.

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 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 home 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 -

Add Ons	Features
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.

How to Buy Home Insurance from Policybazaar.ae?

Follow the given steps to buy home insurance in the UAE via policybazaar.ae -

• Visit the official website of Policybazaar.ae.
• Go to the Home Insurance Section.
• Fill out the lead form.
• One of our representatives will contact you with a home insurance UAE quote and further details.

Documents Required to Buy Home Insurance in 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

To file a home insurance claim in the UAE, you will need to follow several key steps and prepare the necessary documentation to support your claim -

• Notify Your Insurer: As soon as possible after the incident, contact your home insurance Dubai provider to report the loss or damage. This initial notification should include basic details such as the nature of the loss and the date it occurred.
• Documentation Submission: Along with your notification, you will need to submit some important documents and details to your mortgage insurance provider. These may include -
  • Policy Number: This identifies your specific insurance contract
  • Date of Loss: When the incident occurred
  • Nature of Loss: What happened, such as theft, fire, or water damage
  • Description of Damage: A brief overview of the damage incurred
  • Photographs/Videos: For a visual evidence of the damage
  • Estimate of Loss: An estimated cost of the damage or list of lost items
  • Additional Documents: Depending on the nature of the claim, you may also need to provide a police report, repair estimates, or receipts for lost items
• Claim Assessment: After submitting your claim for home insurance in UAE, an adjuster may be assigned to assess the damage in person. In some cases, the assessment might be done as per the documents provided.
• Claim Resolution: Your insurer will review the claim and determine the compensation based on the home insurance Dubai policy terms and the documentation provided.

FAQs About Home Insurance Dubai