Home Insurance in Dubai

Home insurance can help protect your villa, apartment and household belongings against covered loss or damage. The suitable coverage depends on whether you own or rent the property.

Al Buhaira Insurance offers home insurance options for eligible residential properties in Dubai, subject to the selected policy, coverage limits, excess, terms and exclusions.

Home Insurance for Owners and Tenants:

Select coverage based on your property arrangements:

1. Homeowners: Owners may select protection for the building, permanent fixtures, household contents, personal belongings and eligible liability.
2. Tenants: Tenants may insure their furniture, appliances, electronics, personal belongings and eligible tenant liability.

What May Home Insurance Cover?

Depending on the selected policy, coverage may include:

1. Building Cover: Protection for the insured property structure and permanent fixtures.
2. Contents Cover: Protection for furniture, appliances, electronics and other household contents against covered risks.
3. Theft: Eligible loss of insured contents or personal belongings following covered theft.
4. Personal Liability: Protection may be available for eligible legal liability involving accidental injury or property damage caused to another person.
5. Alternative Accommodation: Temporary accommodation expenses may be covered if the insured home becomes uninhabitable following a covered event.

How to Choose Home Insurance:

Review these points before selecting a policy:

1. Select the Right Coverage: Choose building, contents or combined protection based on whether you own or rent the property.
2. Estimate the Insured Values: Calculate the rebuilding cost and replacement value of your household contents.
3. Check the Coverage Limits: Review the limits for the building, contents, valuables, liability and alternative accommodation.
4. Review the Excess: Check the amount you may need to contribute when making an eligible claim.
5. Understand the Exclusions: Review events, damage and belongings that are not covered or require additional protection.

How to Buy Home Insurance:

Follow these simple steps:

1. Provide Your Details: Enter your personal and contact information.
2. Enter the Property Details: Provide the property type, location and occupancy information.
3. Select Your Coverage: Choose building, contents, liability or combined home protection.
4. Declare the Insured Values: Enter the estimated values of the building, contents and personal belongings you want to insure.
5. Review the Quotation: Check the premium, coverage limits, excess and exclusions before completing the purchase.

Documents Required:

You may need the following documents and information:

1. Emirates ID
2. Passport and residence visa copy, if required
3. Property title deed for homeowners
4. Tenancy contract or Ejari certificate for tenants
5. Estimated building and contents values
6. Invoices or valuations for selected valuable items, if requested

Why Choose Al Buhaira Insurance?

Here are some reasons to consider Al Buhaira Insurance:

1. Villa and Apartment Coverage: Home insurance options may be available for eligible residential properties.
2. Owner and Tenant Options: Coverage can be selected according to whether you own or rent your home.
3. Building and Contents Protection: Customers can select protection based on their property and belongings.
4. Online Quotation: Customers can provide their property and coverage details to begin a home insurance quotation online.

Frequently Asked Questions: