Landlord Insurance in UAE: Benefits, Coverage, & Exclusions

Landlord Insurance in UAE

Renting out property in the UAE can be a great way to earn passive income. However, it also comes with risks like accidental damage, unpaid rent, or legal liabilities. This is where landlord insurance steps in. Often included under broader home insurance or property insurance plans, this coverage is ...read more

What is Landlord Insurance?

Landlord insurance financially protects property owners who rent out their residential or holiday homes. While a standard home insurance policy is meant for owner-occupied homes, landlord home insurance is tailored for rental properties and the unique risks that come with leasing.

Landlord house insurance generally includes coverage for —

The building and any permanent fixtures and fittings (like built-in wardrobes, kitchen cabinets, plumbing, etc.)
Landlord’s liability if a tenant or visitor gets injured on the property
Loss of rent if your property becomes uninhabitable due to a covered incident

Some providers in the UAE also bundle landlord cover under broader property insurance or holiday home insurance packages. So, if you're comparing landlord insurance quotes, make sure to check for these core protections.

Best Home Insurance in UAE

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

Benefits of Landlord Insurance in the UAE

Investing in landlord insurance is a smart move that you, as a property owner in the UAE, can make. It protects the building and also safeguards your rental income and your legal standing.

Listed below are the key benefits of the best landlord home insurance plans —

Protection Against Property Damage: Whether it’s a fire, burst pipe, or storm damage, landlord’s insurance covers the cost of repairing your rental property’s structure and built-in features.
Landlord Liability Cover: If a tenant or visitor is injured on your property — say, due to a broken tile or faulty railing — you could be held legally responsible. With landlord property insurance, you can get coverage for legal fees and compensation claims up to the policy limit.
Loss of Rent: If your property becomes uninhabitable due to an insured event (like a fire or flood), your policy can cover lost rental income while repairs are being made.
Coverage for Fixtures and Fittings: Permanent features like kitchen cabinets, sanitary fittings, built-in wardrobes, and flooring are all covered under most landlord house insurance policies.

What is Covered Under Landlord Insurance?

Given below is a breakdown of what’s usually included in a landlord property insurance policy —

Coverage Type	What is Included in Landlord Home Insurance?
Building Cover	Covers the structure of the property, including walls, roof, floors, doors, and more
Permanent Fixtures & Fittings	Includes kitchen cabinets, wardrobes, sanitary ware, etc.
Loss of Rent	Pays out if the property becomes uninhabitable due to insured events
Landlord’s Liability	Covers legal expenses and compensation if someone is injured on the property
Breakage of Glass & Sanitary Ware	Accidental damage to fixed glass or bathroom/kitchen fixtures
Fire & Allied Perils	Includes fire, lightning, explosions, earthquakes, and more
Water Damage	Covers leakage or flooding from water tanks or pipes
Malicious Damage or Theft	Covers loss due to vandalism or violent break-ins (not caused by tenants)
Storm, Flood and Natural Events	Covers damage from natural disasters or extreme weather

Most landlord home insurance plans in the UAE also offer optional add-ons such as coverage for domestic helpers, home assistance services, and more. Still, when comparing quotes, check the policy limits and exclusions — not all coverage is standard across providers.

What is Not Covered Under Landlord Insurance?

Some of the common exclusions under most landlord insurance policies are —

Not Covered	Details
Wear and Tear	Gradual damage due to age, use or lack of maintenance
Unoccupied Property Damage	Claims are often denied if the home is vacant for over 60 consecutive days
Malicious Acts by Tenants	Damage caused intentionally by tenants or their guests is usually excluded
Electrical/Mechanical Breakdown	Household appliances failing on their own are not covered
Mould, Rust and Vermin	Natural decay, infestation, or environmental deterioration is excluded
Loss Due to Undeclared Renovations	Claims may be denied if major works weren’t disclosed to the insurer
Illegal Activities on the Property	Any damage arising from unlawful use of the home isn’t covered
Business Equipment	Items used for business purposes inside the property are typically excluded

How to Get a Landlord Insurance Quote in the UAE (via Policybazaar.ae)?

Finding reliable landlord’s insurance in the UAE is now quite easy, thanks to platforms like Policybazaar.ae. It’s a user-friendly online marketplace that lets you compare multiple insurers, get a landlord insurance quote, and pick the best landlord insurance for your property — all within a few minutes!

Why Use Policybazaar.ae?

Compare Top Insurers: Access policies from leading UAE insurers like GIG Gulf, Sukoon, Tokio Marine, Fidelity United, and more in one place
Easy Online Process: Fill out a form, review multiple landlord insurance quotes, and buy the policy online quickly and paper-free
Affordable Options: Premiums can start from AED 2 per day (around AED 730 per year), making cheap landlord insurance a real possibility
Expert Support: Get help from insurance experts at Policybazaar.ae if you need guidance on choosing or filing claims

Steps to Get a Landlord Insurance Quote

Visit Policybazaar.ae and go to the home insurance section
Enter details like property location and type (villa or apartment)
Review multiple landlord property insurance options side by side
Compare features such as building cover, liability, and loss of rent
Choose your preferred plan and complete the purchase online without any paperwork

Buy Home Insurance Plans Now

Frequently Asked Questions

No, landlord insurance is not mandatory in the UAE. However, it is strongly recommended for any property owner leasing out their home. This is because it offers protection against damage, legal liability, and income loss.

Yes. While both cover buildings, landlord home insurance also includes coverage for rental income, landlord’s liability, and permanent fixtures. A standard home insurance policy is typically meant for owner-occupied homes.

Yes. You can easily compare plans and get cheap landlord insurance on platforms like Policybazaar.ae. Premiums can start from as low as AED 2 per day.

The landlord insurance cost depends on the size, value, and location of your property.

The best landlord coverage is one that offers complete protection at a competitive price. You can compare policies from top providers like Sukoon, GIG Gulf, and Fidelity United on Policybazaar.ae to find the right fit.

No, renters insurance and landlord insurance are not the same. Renters insurance covers a tenant’s personal belongings and liability, while landlord insurance protects the property owner’s building, fixtures and rental income against covered risks.