Tokio Marine Home Insurance

Tokio Marine House Insurance offers comprehensive protection for your villas or apartments across Dubai, Abu Dhabi, and the Northern Emirates. Its comprehensive cover extends to household contents, personal possessions, and even liability towards third parties.

Also, on its online platform, you can get quick quotes, varied coverage options, instant premium payments, and receive electronic policy documents—all designed to safeguard your home simpler than ever.

Key Features & Benefits of Tokio Marine Home Insurance Plans

Whether you own, rent, or lease a property, Tokio Marine’s insurance plan ensures that your home, its contents, and your family are protected from a range of risks, including damage from natural disasters, theft, and more.

We have mentioned some of the key benefits of Tokio Marine Home Insurance that you should know:

Why Buy Tokio Marine House Insurance in the UAE?

What you get when you choose Tokio Marine’s comprehensive policy for your house protection -

• Extensive Liability Coverage - Tokio Marine Home Insurance provides extensive protection for liability towards third-party property damage and injury, both within the UAE and worldwide (excluding USA and Canada).
• Quick Quotes - You can receive instant quotes with minimal effort and quickly assess and compare your coverage options without lengthy delays.
• Varied Coverage Options - Choose from a diverse range of coverage options tailored to fit your specific needs, ensuring that you get the protection that’s right for you.
• Instant Premium Payments - Pay your premiums swiftly and securely online, eliminating paperwork and allowing you to start your coverage without delay.
• Electronic Policy Documents - Access your policy documents instantly and conveniently online, reducing clutter and making it easy to manage your insurance details at any time.
• Alternative Accommodation - If your house becomes uninhabitable, Tokio Marine Home Insurance covers the cost of alternative accommodation. This includes any lost rental income or reasonable additional expenses for comparable housing until your home is restored to a livable condition.

What is Covered Under Tokio Marine Home Insurance?

Here’s a list of things that get covered in your home insurance plan-

1- Contents Coverage

If the insured contents or building suffer damage from covered events during the policy period, the company will either pay the value of the damaged items or repair or replace them.

Coverage Type	Limit
Any One Article Limit	Max AED 40,000 — (10% of Contents Sum Insured)
Contents in Open	Up to AED 2,500 per occurrence
Contents Temporarily Removed	Up to 20% of the Contents Sum Insured
Door Locks	Up to AED 500 per claim
Metered Water Loss	Each Claim — Up to AED 2,500
Loss of Important Documents	AED 1,000 per document — AED 3,000 in total
Loss of Money	Up to AED 1,000 per occurrence
Mirrors and Glass	Up to AED 1,000 per occurrence
Tenant’s Improvements	Up to 10% of the Contents Sum Insured
Shifting to a New House	Up to AED 1,000 per occurrence
Visitor’s Personal Effects	Up to AED 2,500 per occurrence
Personal Possessions, Valuables, Portable & Sports Equipment	Any one article max AED 5,000 (unspecified) — max AED 50,000 (specified) Max Sum Insured AED 150,000
Damage to Deep Freezer Contents	Up to AED 2,500 per occurrence and in total as well

Note: You may need to pay an excess of AED 350 on each claim and 5% of the value for any one article exceeding AED 25,000 in personal possession.

2- Building Coverage

Coverage Type	Limit
Legal and Consulting Engineers’ Fees of Architects’ Surveyors	10% of Building Sum Insured or AED 50,000
Unintentional Damage to Underground Pipes and Cables	AED 20,000 total — up to AED 10,000 per claim
Breakage of Fixed Glass and Sanitary Fixtures	Up to AED 1,000 per article AED 2,500 aggregate
Emergency Access	Up to AED 1,000 per occurrence (and in total)
Trace and Access	Up to AED 2,500 per occurrence (and in total)

Note: You may need to pay an excess of AED 1,000 for each claim.

Additional Covers for Contents and Building

Coverage Type	Limit
Debris Removal	Per claim — up to AED 100,000 or 5% of the building or contents sum insured, whichever is less
Loss of Metered Water	AED 2,500 for each claim
Garden Covering	Up to AED 2,500 per incident
Costs Related to Fire Brigade, Extinguishment, and Mitigation	Up to AED 50,000 per occurrence

3- Fatal Injury Benefits

If you or your family members suffer a fatal injury at home due to fire or theft and the injury leads to death within 3 months, the company will pay compensation in the following scenarios -

• If your spouse suffers a fatal injury and the injury results in death within 3 months
• If your children suffer a fatal injury at home due to fire or theft, and the injury leads to death within 3 months

Coverage Type	Limit
To the Policyholder	AED 25,000 per claim
To the Spouse	AED 25,000 per claim
To the Children	Aged 0 to 5 years — AED 6,250 per child per claim
	Aged 6 to 17 years: AED 12,500 per child per claim

4- Loss of Rent and Alternative Accommodation

If your home becomes uninhabitable due to a covered cause, the company can cover -

• Lost rental income
• Reasonable costs for alternative accommodation

Coverage is up to 12 months' rent or 20% of the building sum insured, with a maximum limit of AED 500,000 (or until the building is restored), whichever comes first.

Coverage Type	Limit
Loss of Rent	Up to the Sum Insured Limit

5- Liability

The company will cover your legal liabilities for accidental bodily injury or property damage caused by owning or occupying the insured buildings.

This coverage extends worldwide, except for the USA and Canada, for up to 90 days during temporary visits.

Description	Limit
Third Party Liability	Up to the policy limit for any one occurrence & collective
Liability Outside UAE (Excluding USA & Canada)	25% of the Limit of Liability declared for any one occurrence and in total
Tenants Liability
Landlord’s Liability

Note: An excess of AED 1,000 can be charged for each claim. 

6- Domestic Servants

If a domestic servant is injured accidentally and this injury results in death or permanent total disablement, Tokio Marine Home Insurance will pay the compensation as specified in the policy.

Additionally, the company will cover medical and repatriation expenses as per the policy limits.

Coverage Type	Limit
Per Accident Cover	Up to the declared Sum Assured
Repatriation Expenses	Up to AED 10,000 per claim
Medical Expenses	Maximum AED 15,000 per claim
Personal Effects of Domestic Servants	Limit of AED 1,000 per claim
Employers Liability towards Domestic Servants	Limit of AED 25,000 per claim and in total

What is Not Covered in Tokio Marine House Insurance?

Here are the things that Tokio Marine Home Insurance does not cover:

1. Cyber Exclusions - The policy won’t cover losses or damages caused by failures in computer systems to correctly process dates or data, although it might cover subsequent damage from defined perils.
2. Electronic Data - Losses from damage, distortion, or corruption of electronic data, including issues caused by computer viruses, are not covered, except for fire or explosion damage resulting from these issues.
3. Pollution - Damage from pollution is excluded unless it results directly from a covered peril.
4. War and Related Risks - Damage or injury from war, civil disturbances, or government actions (except for fire prevention) is not covered.
5. Radioactivity - The policy does not cover damage or claims related to radiation or nuclear contamination.
6. Terrorism - The policy does not cover damage, liability, or costs resulting from terrorism or related actions, including efforts to control or prevent terrorism. If any part of this exclusion is found invalid, the rest of the exclusion still applies.

How to File a Claim with Tokio Marine?

To file a claim under a Tokio Marine Home Insurance Plan, you need to contact the insurer and submit a claim request. You can connect via mail or give a call at the official number.

• Phone: Toll-free number 800-8663
• Email: genclaim@tmnf.ae

Documents for Tokio Marine Home Insurance Claims

• Title deed or any other document proving the ownership of your property
• Owners’ Passport or Emirates ID copy 
• Copies of any previous insurance policies
• Utility bills or tenancy contracts for address verification
• Your property’s and its contents valuation report
• Bank details for processing premium payments

After receiving the information, the claims team will get back to you. Note that further examinations may take place before a decision on the claim is made.

Tokio Marine Contact Information for Claims

Type of Office	Address	Phone Number	General Inquiries
Dubai Office	P.O.Box 152, Office # 302-305, Single Business Tower, Business Bay, Sheikh Zayed Road, Dubai, UAE	Tel: +971 4 3502 777 Fax: +971-4-3502888	genclaim@tmnf.ae
Abu Dhabi Office	Unit-101, ADCP Building (opp. Al Masraf H.O) Hamdan Street, Abu Dhabi, UAE	Tel: +971 2 643 2290 Fax:+971-2-6432294	genclaim@tmnf.ae

Still have some doubts?

We have answered some of the frequently asked questions about the Tokio Marine House Insurance Plan:

Frequently Asked Questions