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CBUAE – Insurance Authority Licensed Broker · No. 281

Home Insurance

Protect your contents, property and pets with the right home insurance.

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+971 9 222 1133
What's covered

Home Insurance in the UAE — What You Need to Know

Building structure

Permanent fixtures, walls, roof, plumbing — for owners and freeholders.

Contents & belongings

Furniture, electronics, clothing and valuables against theft, fire or damage.

Fire & explosions

Full replacement value if your home or contents are damaged by fire.

Water damage & floods

Burst pipes, leaks and UAE flash-flood events.

Pet cover (optional)

Available as an add-on on some home insurance plans.

Liability

Covers you if a visitor is injured or you accidentally damage a neighbour's property.

Common questions

Frequently Asked Questions

Is home insurance mandatory in the UAE?

It is not legally required, but many landlords and mortgage lenders in Dubai and Abu Dhabi require it. It is strongly recommended to protect your belongings.

I am a tenant — do I still need it?

Yes. Tenants can take contents-only cover (your belongings, not the building). Your landlord is responsible for the building structure.

What is the difference between buildings and contents cover?

Buildings covers the physical structure. Contents covers your possessions inside. You can take either or both.

Are high-value items like jewellery covered?

Standard plans have per-item limits. High-value items like jewellery, watches or art can be scheduled separately for full cover.

Related cover

Motor Insurance →Fire & Accident Insurance →

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