Property Insurance in Dubai

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

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

Types of Property Insurance:

Select coverage based on your property and occupancy:

1. Building Insurance: May protect the property structure and permanent fixtures against covered loss or damage.
2. Contents Insurance: May protect furniture, appliances, electronics and other household belongings against insured risks.
3. Owner-Occupied Home Insurance: May combine building, contents, personal belongings and owner’s liability coverage.
4. Tenant Insurance: May protect a tenant’s contents, personal belongings and eligible tenant liability.
5. Rental Property Insurance: Landlords may insure the building, permanent fixtures and eligible property-owner liability.

What May Property Insurance Cover?

Depending on the selected policy, coverage may include:

1. Fire and Accidental Damage: Eligible loss or damage caused by fire and other covered accidental events.
2. Theft: Loss of contents or personal belongings following covered theft may be included.
3. Building and Contents: Protection may be selected for the property structure, household contents or both.
4. Personal Liability: Coverage 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 Property Insurance:

Review these points before selecting a policy:

1. Estimate the Rebuilding Value: Building coverage should generally reflect the estimated cost of rebuilding the property rather than only its market value.
2. Calculate the Contents Value: Estimate the replacement cost of your furniture, appliances, electronics and personal belongings.
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 excluded events, maintenance-related damage and belongings that require separate declaration.

How to Buy Property 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, occupancy and requested building information.
3. Select Your Coverage: Choose building, contents, liability or combined protection.
4. Declare the Insured Values: Enter the estimated building and contents values.
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 owners
4. Tenancy contract or Ejari certificate for tenants
5. Property location and occupancy details
6. Estimated building and contents values
7. Invoices or valuations for selected valuables, 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 Protection: Coverage can be selected according to whether you own or rent the property.
3. Building and Contents Options: Customers can select suitable protection for 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: