Is It Necessary to Renew Home Insurance Annually in UAE?

Is Annual Home Insurance Renewal Mandatory in the UAE?

Yes, in most cases, renewing home insurance annually is necessary.

Insurance providers in the UAE usually offer policies that are valid for one year. At the end of that period, your policy must go through renewal to remain active. This applies to all types of property coverage, even if you're looking to renew renters insurance for your apartment or villa.

Why annually? Because property values change, building regulations evolve, and the risk landscape also shifts over time. By renewing yearly, both insurers and homeowners ensure that the coverage is still accurate, relevant, and legally binding.

Failing to renew a home insurance policy can leave you exposed. In case of fire, water damage, or theft, an expired policy won’t protect you. This means you’d have to pay for everything out of pocket, and in the UAE, repair costs can be hefty.

What Happens If You Don't Renew Your Home Insurance Policy?

Skipping your house insurance renewal can have serious consequences.

First, your coverage lapses, which means you’re not protected if any damage happens to your home or belongings. Secondly, if you try to make a claim on an expired policy, your insurer will likely reject it.

Moreover, some landlords and developers in the UAE (especially in areas like Dubai Marina or Jumeirah) require proof of active insurance for tenants. If you don’t renew renters insurance, your tenancy could even be affected.

That’s why it’s recommended to set reminders or opt for auto-renewal if your provider offers it.

How to Renew Home Insurance Online in the UAE?

Renewing your home insurance in UAE doesn’t need to be complicated or time-consuming. In fact, with platforms like Policybazaar.ae, you can complete the entire process in minutes — right from the comfort of your home.

Whether you’re a homeowner or tenant, the easiest and most efficient way to renew home insurance online is by using a trusted comparison platform. Policybazaar.ae is one of the UAE’s leading digital insurance marketplaces, helping thousands of residents compare quotes, update existing policies, and even switch to better plans during house insurance renewal — all in just a few clicks.

Here’s how to do it —

1. Fill out the form: Click the button below to get the form and fill it out. 
2. Log in or search your existing policy: If you already have a policy through the platform, simply log in to view your existing details. If not, you can search for renewal options based on your current insurer.
3. Compare quotes instantly: Before you renew your policy, you can compare quotes from top providers.
4. Update property details: If you’ve added valuable items or renovated your home, make sure to update those details before house insurance renewal.
5. Get Home Insurance: Choose your plan and make a payment using safe and secure options. You’ll get your renewed home insurance policy documents via email.

What Should You Review in Your Home Insurance Before Renewal?

Before you decide to renew home insurance online, take a few minutes to reassess your policy —

1-) Update the Value of Your Home and Belongings

Many UAE residents invest in renovations, new furniture, electronics, or appliances during the year. If you’ve added valuable items like a smart TV, luxury watch, or kitchen upgrades, make sure they’re included in your contents cover before you renew home insurance.

• Recalculate the replacement value of your belongings
• If you’ve remodeled your villa or apartment, update the rebuild cost estimate
• Add or remove high-value items as needed

2-) Review Your Coverage Limits and Exclusions

Every insurance policy has limits on how much it will pay out for certain categories like electronics, jewellery, or accidental damage. Before you renew your policy, check —

• Are your current limits sufficient?
• Are there specific exclusions that didn’t matter last year but do now?
• Are you covered for natural disasters or water damage (which can be common in older buildings or during rainstorms in Dubai and Sharjah)?

3-) Check for Maintenance-Related Clauses

UAE insurers often include clauses that reject claims resulting from poor maintenance or neglect. For example, damage from leaking AC ducts or mould could be denied if it’s deemed preventable.

Before you renew home insurance, inspect your home for signs of wear and tear and complete any necessary maintenance. This way, you won’t run into unpleasant surprises during a claim.

4-) Reassess Additional Riders or Add-Ons

Are you working from home now and storing business equipment at your residence? Do you want to include tenant liability cover if you’re renting?

During your house insurance renewal, it’s worth exploring optional add-ons such as—

• Personal accident cover for domestic helpers
• Loss of rent (for landlords)
• Alternative accommodation (for tenants)
• Coverage for valuables stored outside the home (like in your car or office)

Don’t Let Your Home Insurance Expire!

Let’s be honest — life gets busy and home insurance renewal isn’t always top of mind. But taking just a few minutes each year to renew it can save you thousands of dirhams and protect your home. Whether you’re a homeowner in Dubai or a tenant in Abu Dhabi, your annual house insurance renewal gives you the chance to reassess, refresh, and realign your policy with your current lifestyle.

With tools like Policybazaar.ae, it’s never been easier to renew home insurance online, compare quotes, and make smarter insurance choices — all in just a few clicks. And if you’re renting, don’t forget to renew renters insurance too. It's your safety net for life’s unexpected turns.

Bottom line? Think of your household insurance like an annual health check for your property. Rethink it. Review it. Renew it.

Frequently Asked Questions