Best Home Insurance Companies in Dubai, UAE

Your home isn’t just a place to live—it's one of your most valuable investments. That's why it’s essential to protect it with the best home insurance in Dubai and across the UAE. From natural disasters to theft or accidental damage, the right coverage can save you from unexpected financial stress.

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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.

Best Home Insurance in UAE

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

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

Q1. What is covered under the best home contents insurance in UAE?

The best home contents insurance usually covers your personal belongings inside the home—such as furniture, electronics, appliances, clothing, and valuables—against risks like fire, theft and accidental damage. Some plans also include food spoilage, document loss and portable gadget coverage.

Q2. Is home insurance mandatory in Dubai or the UAE?

No, home insurance is not mandatory in the UAE for homeowners or tenants. However, it is strongly recommended. With frequent risks like fire, flooding and accidental damage, having the best home insurance in Dubai gives you financial security.

Q3. Can I get home insurance if I’m renting an apartment in Dubai?

Yes! Many of the best home insurance companies in the UAE offer plans tailored specifically for tenants. These plans cover your contents, personal belongings and even tenant liability—which protects you if you accidentally damage the landlord’s property.

Q4. What is not covered under most home insurance plans?

Most home insurance policies exclude damage from intentional acts, general wear and tear, war or terrorism and pre-existing issues. When comparing the top home insurance providers, always review the policy exclusions to avoid unexpected surprises during a claim.

Q5. Can I add coverage for valuables like jewelry or artwork?

Yes, many of the best home insurance UAE plans offer optional add-ons for high-value items such as jewelry, art and collectibles.

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