Home Insurance in the UAE

Home insurance can help protect your property, household contents and personal belongings against covered loss or damage. The coverage you need depends on whether you own or rent your home.

Al Buhaira Insurance offers home insurance options for eligible villas and apartments, subject to policy limits, excess, terms and exclusions.

Types of Home Insurance Coverage:

Choose coverage based on your home and occupancy:

1. Building Insurance: May protect the structure and permanent fixtures of an eligible villa or apartment.
2. Contents Insurance: May protect furniture, appliances, electronics and other household belongings against covered risks.
3. Tenant Insurance: Tenants may insure their personal belongings and select eligible tenant liability protection.

What May Home Insurance Cover?

Depending on the selected policy, coverage may include:

1. Property Damage: Eligible loss or damage to the insured building or contents following a covered event.
2. Theft: Loss of insured contents or personal belongings following covered theft.
3. Personal Liability: Eligible legal liability for accidental injury or property damage caused to another person.
4. 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. Estimate the Insured Values: Calculate the rebuilding cost and replacement value of your contents.
2. Check Coverage Limits: Review the limits for the building, contents, valuables, liability and alternative accommodation.
3. Review the Excess: Check the amount you may need to contribute when making an eligible claim.
4. 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. Review the Quotation: Check the premium, insured values, excess, limits 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 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: