Orient Home Insurance

What are the Types of Orient Home Insurance Policy?

Orient Insurance is a name you can count on for the financial protection of your home. It offers a variety of home insurance plans that are comprehensive and affordable. The top plans of the insurer are as follows:

Orient Home Insurance	Key Coverages
Premier Home Insurance	Covers building on a reinstatement value basis (up to AED 10 million) Pollution and contamination cover up to 5% of building sum insured (SI) Communicable disease cover up to 5% of building SI or 12 months' rent (whichever is lower) Underground facilities cover up to AED 2,000 Fatal injury benefit for accidental loss/damage (as per SI)
Political Violence Cover for Residential Homes	Specifically designed to protect against political violence-related risks Covers liability claims Loss of rent/alternative accommodation for contents up to 10% of declared SI Communicable disease cover up to 10% of declared SI Covers building including permanent fixtures & fittings
Prestige Home Insurance	Building covered on a reinstatement value basis, up to AED 10 million Personal belongings cover up to 5% of claim amount Pollution and contamination cover up to 10% of building SI Communicable disease cover up to 7% of building SI or 12 months' rent (whichever is lower) Underground facilities cover up to AED 5,000 Fatal injury benefit for accidental loss/damage
Platinum Home Insurance	Building covered on a reinstatement value basis, up to AED 10 million Personal belongings cover up to 10% of claim amount Pollution and contamination cover up to 10% of building SI Communicable disease cover up to 10% of building SI or 12 months' rent Debris removal cover up to 10% of claim amount Underground facilities cover up to AED 10,000 Fatal injury benefit for accidental loss/damage
Platinum Plus Home Insurance	Up to 10 million cover for building on the basis of reinstatement value Personal belongings cover up to 10% of claim amount Pollution and contamination cover up to 10% of building SI Enhanced communicable disease cover up to 20% of building SI (maximum AED 500,000) or 12 months' rent Debris removal cover up to 10% of claim amount Underground facilities cover up to AED 10,000 Fatal injury benefit for accidental loss/damage

What are the Features and Benefits of Orient House Insurance in the UAE?

Orient home insurance is ideal if you are looking for extensive protection for your building and contents. It offers unparalleled features and benefits. Let’s take a look at the key aspects:

Comprehensive Cover for Your Home

Your home isn’t just a building with bricks and cement. Every corner is built with the precious contents and belongings. You can cover it with an Orient house insurance plan, which provides comprehensive coverage for your building, contents, personal belongings, and legal liabilities.

Protection Against Various Perils

It’s impossible to predict what can damage your home. However, it’s still possible to shield your home from various uncertainties. Orient home coverage can help you here, as it gives you financial protection from a range of risks, such as fire, theft, lightning, explosion, earthquake, aircraft damage, water damage, and political risks.

Additional Coverage Options

This insurance policy comes with additional benefits, including domestic helper cover, loss of rent, fire brigade expenses, and much more. With these additional coverages, you can enjoy greater peace of mind, as covered losses or damages may be compensated by the insurer.

Affordable Plan

It’s a common misconception among homeowners that home insurance is expensive and that it’s only for villas and luxury apartments. With Orient Insurance Company, you can get affordable coverage for your home, regardless of the property's type or size.

Robust Customer Support

Orient Insurance Company is known for excellent customer support in the UAE. You can be assured about the coverage queries, as you can easily contact them to know about the plan, coverage details, and claim process.

What is Covered Under Orient Home Insurance Policy in the UAE?

Here’s what is covered under an Orient house insurance policy:

Key Coverages	✅ Inclusions
🏢 Building Cover	Covers residential structure, garages, outbuildings, landlord fixtures and fixed fittings Protection against fire, explosion, natural disaster, riots and strikes, falling trees, and malicious damage Additional building-related benefits: fixed glass breakage, debris removal, fire brigade expenses, loss of rent, alternative accommodation, and owner’s legal liability
🪑 Contents Coverage	Covers household goods, furniture, personal belongings, domestic helper belongings, and portable equipment Content protection against fire and allied perils, theft, water damage and accidental damage (if opted) Additional benefits include coverage for visitors' belongings, loss of money or documents, lock and key replacement, and spoilage of freezer food
🧑‍⚖️ Legal Liability Coverage	The insurer compensates you if you become legally liable for bodily injury to others, property damage, or injuries to domestic helpers or employees This includes occupier’s liability, employer’s liability, and tenant liability
🧹 Domestic Helper Coverage (Optional)	Key coverage available if a domestic helper suffers an accidental injury during the policy period: Death coverage: AED 30,000 Permanent disability: AED 30,000 Medical expenses: AED 5,000 Repatriation expenses: AED 5,000

What are the Exclusions in Orient House Insurance Policy in the UAE?

Common exclusions under the Orient home insurance policy include loss or damage caused by rust, mould, dampness, cleaning-related incidents, pets, and damage occurring during rental or subletting. Here are the key exclusions as per the coverage type:

Key Coverages	❌ Exclusions
Building-related Exclusions	Gradual damage Wear and tear Construction-related damage Structural defects Damage during renovations Homes left unoccupied
Content-related Exclusions	Motor vehicles Livestock Cash (unless specifically covered)/credit cards Documents (unless specifically covered) Unspecified high-value items
Portable Equipment Insurance	Wear and tear Mechanical/electrical breakdown Sports equipment damage during use Theft without police report Pets

✍️ It’s important to understand the inclusions and exclusions while buying a home insurance policy.

Why Should You Buy a Home Insurance Policy from Orient Insurance Company in the UAE?

Orient Insurance Company is part of the Al-Futtaim Group, a trusted name in the UAE insurance industry. Since 1982, the company has been offering comprehensive insurance solutions to individuals and businesses. If you are looking to buy home insurance in the UAE, you can rely on Orient Insurance. It offers significant perks, such as:

⭐ Complete Protection for Home: You can get coverage for your building, contents, personal belongings, and valuables.

⭐ Quick Policy Issuance: With its digital service, you can easily obtain a quote from the comfort of your home.

⭐ Varied Coverage Options: The plan offers comprehensive protection against a range of risks, like fire, theft, and natural disasters.

⭐ Affordable Premium: You can buy a home insurance policy without worrying about your budget, as the insurer offers coverage at affordable rates.

⭐ Robust Claim Support: You can get instant support from their team while filing home insurance claims.

Which Steps are Involved in the Orient Home Insurance Claim Process?

While making a home insurance claim with Orient Insurance, you need to follow these key steps:

• Immediately notify Orient Insurance Company about the loss and damage
• File a police report, as it is usually required during the investigation
• Gather the necessary documents, such as policy documents, photographs, videos of the incident, and any other supporting evidence
• Submit the documents along with the claim form to the insurer
• If required, the insurer will assign an investigator — make sure to cooperate with them
• Once your claim is approved, you will receive the compensation

You may be required to submit the following documents to make an Orient home insurance claim in the UAE:

• Property ownership proof
• A copy of the property owner's passport or Emirates ID
• Insurance policy details
• Utility bills or tenancy contracts for address verification
• Property and content valuation report
• Bank details

✍️ Home insurance claims should be reported within 15 days of the loss or damage with Orient Insurance Company. Failure to do so may affect the claim assessment process.

Orient Home Insurance Contact Details for Claim Filing

You can contact the Orient home insurance claim administration through the following routes to file a claim:

• Telephone: 009714 2531300
• Fax: 009714 2515871
• Email: orient@alfuttaim.com
• Address: Orient Insurance Company PJSC (Head Office) Orient Building, Dubai Festival City, P.O. Box 27966, Dubai, UAE.

Frequently Asked Questions