Best Home Insurance Companies in Dubai, UAE

In the UAE, there are several home insurance companies, and it’s essential to find the best one. Here, we have compiled a list of top home insurance providers with exclusive features and benefits.

Top Home Insurance Providers in Dubai, UAE - (2025)

Discussed below are the best home insurance companies in the UAE that provide unique plans to protect your property and contents.

1- Tokio Marine Home Insurance

Looking for the best home insurance in the UAE that offers wide-ranging protection? Tokio Marine is a top-rated insurer with a long-standing reputation for reliability and global expertise. Operating in the UAE since 1976 under Al Futtaim Development Services Co. LLC, the company offers a comprehensive home insurance plan that covers your property, contents and more.

This makes it one of the top home insurance providers in the region.

✅ Key Features of Tokio Marine Home Insurance

Tokio Marine’s policy is ideal for both homeowners and tenants. It offers extensive coverage against a wide array of risks including fire, burglary, natural disasters and accidental damage.

Here's what their home insurance includes —

Key Details	Description
Coverage	Content and building  Liability coverage Fatal injury benefits Loss of rent Domestic servants Pet cover

📞 Contact Information

• Dubai Office: +971 4 3502 777
• Abu Dhabi Office: +971 2 6432 290

🕒 Working Hours: Monday to Friday, 8 AM – 5 PM

2- Sukoon Home Insurance

Sukoon Insurance (formerly Oman Insurance) is one of the best home insurance companies in Dubai and the UAE, trusted for over 40 years. Known for its customer-first approach, Sukoon offers flexible, affordable and customisable home insurance plans to protect your property and personal belongings.

If you’re searching for best home contents insurance or high-value property protection, Sukoon is a leading name among top home insurance providers.

The company features two major home insurance plans- Home Umbrella and Privilege Home Insurance.

Here are the key details of Sukoon home insurance plans:

Home Insurance Plan	Features
Home Umbrella	Provides building and content coverage Protection against: Fire, accidental damage, theft, and more Additional benefits: Personal belongings and domestic helper coverage Free 15-day look-up period Alternative accommodation cover or loss of rent coverage up to 20% of the building sum insured or AED 500,000 Tenant's liability coverage up to AED 1,000,000
Privilege Home Insurance	Specialised insurance plan, partnered with Generali for high-value homes Provides building, contents, art, collectibles, and jewellery coverage Digital app to manage and track your art and collectibles for free Global coverage: For content and valuable arts  Quick and easy claim submission

📞 Contact Information

• Phone: 04 233 7777
• 🕒 Working Hours: Monday to Friday, 8 AM – 5 PM

3- Fidelity United Home Insurance

Fidelity United is one of the most experienced and trusted names in the UAE insurance industry. With a legacy of reliability, its home insurance plan—Manzil—offers comprehensive protection for both your property and contents.It  offers best home contents insurance with strong coverage for personal belongings.

Ranked among the top home insurance providers in the UAE, Fidelity United is a smart choice for homeowners and tenants.

Here’s an overview of the benefits under ‘Manzil’ home insurance plan:

Coverage	Benefits
Content Coverage	Locks and keys replacement Loss of rent Alternative accommodation expenses Fatal injury benefit Tenant's liability Food spoilage in deep freezer
Personal Belongings Coverage	Personal money and credit cards Valuables and portable equipment Loss of residence/work permit, passport, and driving license

📞 Contact Information

• Phone: 800 842
• Working Hours: Monday to Friday, 8 AM – 5 PM

4- ADNIC Home Insurance

Looking for the best home insurance in the UAE with customisable options? ADNIC (Abu Dhabi National Insurance Company) offers one of the most flexible home insurance policies with coverage levels to suit every budget and lifestyle. With decades of experience and strong customer satisfaction, ADNIC is widely considered one of the top home insurance providers in UAE.

Their plans range from basic to premium, which helps you to choose the level of home contents coverage that works best for you.

With a focus on customer satisfaction, it features:

• Building and personal belongings’ coverage
• Tenant liability
• Hassle-free claim process

Their home insurance solutions are categorised into four types- Platinum, Gold, Silver, and Bronze.

The key specifications of the categorised home insurance plans are briefed below:

Plan Types	Specifications
Platinum Home Insurance	Content coverage up to AED 400,000
Gold Home Insurance	Content coverage up to AED 250,000
Silver Home Insurance	Content coverage up to AED 150,000
Bronze Home Insurance	Content coverage up to AED 50,000

📞 Contact Information

• Phone: 8008040 / +971 2 4080900

Working Hours: 

• Monday to Thursday: 8 AM – 5 PM
• Friday: 8 AM – 12 PM

5- Liva Insurance Home Insurance

Previously known as RSA Insurance, Liva Insurance offers some of the most complete and reliable home coverage in the UAE. With 24/7 support and a simple claims process, Liva is one of the best home insurance providers for homeowners and tenants who want peace of mind and dependable protection.

It’s a top choice for those seeking the best home contents insurance bundled with building and personal belongings coverage.

The key coverages are tabled below:

Coverage	Specifications
Contents	Accidental damage Fire, explosions, earthquake, and lightning Theft Falling receiving aerials Smoke Storm Flood Impact damage Water/oil damage Riots, strikes, political disturbance, and more
Personal Possessions	Accidental loss or damage Sports equipment Theft Documents loss Loss from fraudulent use Pedal cycles
Building	Accidental damage Fire, explosions, earthquakes, and lightning Theft Falling receiving aerials Smoke Storm Flood Impact damage Water/oil damage Riots, strikes, and political disturbance Rent and alternative accommodation Pipes and cable Owners liability  Subsidence Falling trees or branches

📞 Contact Information

• Phone: +971 4 3029835 / +971 4 3029903
• Working Hours: Monday to Saturday, 9 AM – 5 PM

6- Dubai National Insurance (DNI) Home Insurance

Whether you live in a villa, apartment or townhouse, Dubai National Insurance (DNI) offers one of the best home insurance options in Dubai and the UAE. It’s a reliable insurer that protects both your property and its contents from a wide range of risks.

DNI is especially known for its flexibility, which makes it a smart pick for tenants, landlords and homeowners looking for best home insurance UAE coverage.

Here are the key coverages by DNI home insurance in UAE:

Key Details	Description
Coverages	Fire and explosions Earthquake, flood, and natural calamity Water pipes bursting Burglary Impact caused by road vehicles or aircraft

Note: The policy also covers your liability to a third-party claim, in addition to accidental damage.

📞 Contact Information

• Phone: 600 5 80000
• Working Hours: Monday to Friday, 8 AM – 5 PM

7- GIG GULF Home Insurance

GIG Gulf is one of the most established and trusted names in the region. With over 70 years of experience, GIG Gulf is known for delivering personalised plans, quick claims and outstanding customer support.

If you're a homeowner or a tenant, GIG Gulf is among the top home insurance providers offering coverage that truly fits your lifestyle.

Key Features:

• Easy claim settlement process
• Unmatched customer support

We have mentioned the best home insurance plans offered by GIG Gulf insurance company:

Plan Types	Description
Building Insurance	It provides home protection against fire, accidental damage, breakage of fixtures, and more
Contents Insurance	It covers the loss and damage of your contents from a variety of events such as fire, lightning, falling of installed fixtures and damage/loss during transit
Owner & Occupiers’ Liability Insurance	Covers third-party damage
Tenant's Liability Insurance	Protects tenants from any liabilities related to the damage to landlords’ property

 📞 Excellent Customer Support (Available all week)

📞 Contact Information

• Phone: 800 292 / +971 4 5074085
• Working Hours: Daily, 8 AM – 7 PM

How to Choose the Best Home Insurance in UAE?

Choosing the best home insurance in UAE doesn’t need to be confusing—just follow these simple tips to find the right protection for your home and contents:

• ✅ Know Your Coverage Needs

Are you a homeowner or a tenant? Do you need basic protection or full coverage for valuables? Answering these questions helps you pick the best home insurance Dubai or UAE plan for your specific lifestyle.

• 🔍 Compare Top Home Insurance Providers

Don’t just settle for the first quote. Use comparison tools to explore what the top home insurance providers are offering—check for coverage limits, exclusions and added benefits.

• ⚙️ Check the Claim Process

Always go with an insurer known for a fast and easy claim settlement. A good claim experience can make a big difference during stressful times.

• 💰 Balance Coverage and Cost

Look beyond just the price. The best home insurance companies offer good value—strong coverage at a fair premium. Avoid going too cheap, as it may cost more in the long run.

• 🚫  Understand Exclusions

Every policy has exclusions. Read the fine print to avoid surprises when it’s time to file a claim.

• ➕ Look for Extra Benefits

Some insurers offer add-ons like pet cover, art protection or domestic helper insurance. These can enhance your plan—but they may increase your premium.

Why Buy Home Insurance From Policybazaar UAE?

If you're looking to find the best home insurance companies in UAE, Policybazaar.ae is your one-stop platform.

🌟 Key Benefits of Using Policybazaar.ae

1. 🔍 Easy Plan Comparison: Filter and compare multiple home insurance plans in seconds
2. 💸 Premium Discounts: Get exclusive offers and lower rates on leading plans
3. 📞 24/7 Customer Support: Reliable help whenever you need it
4. 🎯 Expert Guidance: Informed recommendations based on your needs
5. ✅ Wide Selection: Choose from top-rated providers across Dubai and the UAE

Frequently asked Questions