Home Insurance

Home insurance is not legally mandatory in the UAE for residents, but mortgage lenders typically require buildings insurance. Many landlords also require tenants to hold contents insurance.

A standard tenant's home insurance policy covers your personal contents and liability, not the landlord's building structure. Landlords should arrange their own buildings insurance.

Common exclusions include wear and tear, gradual deterioration, mechanical breakdown, damage caused by pests, and any deliberate acts. High-value items above individual limits may need to be declared separately.

The sum insured should represent the total replacement cost of all your contents (at new-for-old replacement values). We recommend doing a room-by-room inventory to arrive at an accurate figure.

Standard home insurance typically covers personal use only. If you run a business from home or have business equipment and stock, you may need a business extension or separate commercial policy.

Yes. A worldwide personal effects extension can be added to cover laptops, jewelry, cameras, and other valuables when you take them outside your home or travel abroad.