Vacant Home Insurance

What is Vacant Home Insurance?

A vacant home policy is designed to cover properties that are unoccupied for extended periods (typically more than 30 to 60 days). 

However, here's the kicker—in the UAE, vacant home coverage as a standalone policy isn't available. But don't worry! There are alternatives to ensure your property remains protected. Let's explore them.

Vacant vs. Unoccupied – Is There a Difference?

Before we go further, let's clarify some terminology as it can get a bit confusing — 

1. Unoccupied Home: A home that's furnished and ready to be lived in but currently has no occupants. For example, you've left for a two-month vacation, but all your belongings are still there.
2. Vacant Home: A home that's empty — no furniture, no personal belongings. It is a property that's up for sale and completely bare.

Unoccupied Home Insurance in the UAE

While you might not find a policy labelled ‘vacant home insurance’ in the UAE, many insurers offer coverage for unoccupied homes. However, conditions still apply — 

1. Time Limits: Home insurance in the UAE often covers homes unoccupied for up to 60 days. If you expect your home to be empty for a longer period, you'll need to inform your insurer and may need to adjust your coverage.
2. Policy Terms: Some empty home insurance policies may become void if the home remains unoccupied beyond the specified period without notifying the insurer. Always read the fine print!

Real Talk: Do UAE Insurers Offer Vacant Home Insurance?

Here's the deal: Vacant home insurance isn't offered as a standalone policy in the UAE. BUT…

Most major insurers (GIG Gulf, AXA, Sukoon Insurance, and others) do offer extended coverage for unoccupied homes — either as an add-on or by adjusting your existing plan.

Why You Need Vacant Home Insurance Coverage in the UAE?

Here’s what could go wrong if you don’t have vacant home insurance coverage — 

1. Theft or Vandalism – Empty homes are easy targets
2. Water Damage – Undetected leaks can cause serious problems
3. Fires or Electrical Faults – Accidents can happen even when no one’s around
4. Natural Hazards – Sandstorms or lightning strikes

What is the Vacant Home Insurance Cost in the UAE?

Vacant home insurance pricing varies based on — 

1. Location – Homes in remote areas or high-crime zones cost more
2. Duration of vacancy – The longer the home is empty, the higher the premium
3. Property value – More expensive homes = higher coverage costs
4. Security measures – CCTV, alarms, and neighbourhood patrols can help reduce premiums

Tips to Keep Your Empty Property Protected

While empty home insurance is key, you can also minimise risks with a few proactive steps — 

1. Install a smart security system – Cameras, motion sensors, and alarms can alert you instantly
2. Ask a friend or service to check in – Periodic visits make it less obvious the home is empty
3. Stop deliveries/mail – Accumulated mail = clear sign no one’s home
4. Use timers for lights – A few lights on in the evening mimic occupancy
5. Turn off water – Prevent any plumbing mishaps

Final Thoughts

Leaving your home unoccupied doesn't mean leaving it unprotected. While the UAE might not offer traditional vacant home insurance, you can still find options to keep your property covered during periods when it's not in use. Always communicate with your insurer about your specific situation to find the best solution.

Remember, every home and situation is unique. It's essential to assess your specific needs and consult with insurance professionals to get the right home insurance coverage. 

Frequently Asked Questions