Home Insurance

Home insurance in Dubai is voluntary with one big exception: mortgage lenders require buildings insurance as a condition of the loan, with the bank noted as first loss payee. Beyond that, cover is a choice, and a surprisingly cheap one relative to the values at stake in a Dubai villa or a well-furnished apartment.

The structure is simple once split correctly. Buildings cover protects the physical structure and fixed fittings, and is the owner's concern; in apartment towers the owners association insures the common structure, but your fit-out and improvements are yours to cover. Contents cover protects furniture, electronics and belongings against fire, flood and theft, adds tenant liability to the landlord's property, and usually includes alternative accommodation if the home becomes uninhabitable. A landlord's policy never covers a tenant's possessions, so tenants need their own contents policy.

For landlords we arrange packages combining buildings, landlord contents, loss of rent and liability, aligned with the lease. For owner-occupiers we scope rebuild costs properly rather than guessing, and for tenants we set contents sums that reflect what is actually in the home. Valuables above per-item limits are declared or moved onto specialist cover, which we handle alongside our high-value items service.