Buying Home insurance in UAE Compare Affordable Building & Contents Cover in Minutes
Get your home insurance in the UAE in just 3 simple steps. Save time, money, and protect your home effortlessly
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Get your home insurance in the UAE in just 3 simple steps. Save time, money, and protect your home effortlessly
Google Rating
Mobashar Hussain I had a great experience with Insurancehub. It is so easy to reimburse your claims with them. I would call their customer service team for help and they have been responsive and they care about your inquiry. Thank you Insurancehub team!
Alka Edvin Insurancehub provides good customer service and they really care about their clients. I was able to talk to Mr. Jibin, he helped to understand my case, my benefits and also explained the process of taking approvals. Thank you Jibin for helping me.
Anas Maqbool Great service from team Insurancehub. They were very helpful and promptly updated my documents without any hassle. The teams very helpful and replying patiently to all my queries with atmost professionalism. Kind regards, Anas Maqbool.
Your home is your biggest investment—and in the UAE, properties face unique risks such as sandstorms, power surges, burst pipes, electrical fires, and occasional flooding. Whether you own a villa in Saadiyat, a townhouse in Arabian Ranches, or a high-rise apartment in Dubai Marina, the right home insurance in UAE protects your building, contents, and personal belongings from unexpected financial loss.
Home insurance ensures your structure and household items are covered while giving you peace of mind, transparent protection, and faster recovery after an incident.
Homes in the UAE face risks that are uncommon elsewhere—sandstorms damaging outdoor units, water leakage from neighbouring apartments, electrical surges damaging appliances, and accidental breakages. A good home insurance policy keeps these surprises manageable and affordable.
Home insurance should be simple, transparent, and cost-effective, helping you avoid large repair bills or replacing expensive items out of pocket.
While benefits vary by insurer, most UAE home insurance policies include:
✔ Buildings Insurance : Covers the physical structure and permanent fixtures.
✔ Contents Insurance : Protects furniture, electronics, appliances, and household items.
✔ Personal Belongings (Portable Items) : Insures valuables you take outside—phones, laptops, jewelry—within specified limits.
✔ Alternative Accommodation / Loss of Rent : Covers temporary housing costs if your home becomes uninhabitable.
✔ Liability Cover : Protects you if a third party is injured in your home or your property damages someone else’s assets.
✔ Common Add-Ons :
Building insurance protects walls, ceilings, structure, and fixed installations vs Contents insurance protects your movable items — furniture, appliances, gadgets, and valuables.
Tenants usually need contents insurance.
Landlords & homeowners typically require both building + contents insurance.
Even though the UAE is safe and stable, homes face risks like:
Standard UAE home insurance covers fire, burglary, lightning, storms, earthquakes, and water damage, with optional extensions for accidental breakage or tenant liability.
Buying a home is a major
investment —living without insurance exposes you to major repair costs. Home insurance:
| Core Coverage Options | |
|---|---|
| Building Cover | Protects the physical structure—walls, roof, fixtures—against fire, flood, explosion, storm, and impact damage. Use our free Home Building Insurance Calculator to set the right sum insured and avoid over-paying. |
| Contents Cover | Safeguards furniture, electronics, and personal belongings against theft, fire, and water damage. Specialised plans available for high-value items. Learn more at Home Contents Insurance Abu Dhabi. |
| Liability Cover | Up to AED 2 million to protect you if a visitor is injured on your premises or if your balcony flowerpot damages a car below. |
| Alternative Accommodation | We pay for hotel or rental costs if your home becomes uninhabitable after an insured event. |
| Property Type | Location | Building + Contents Sum Insured | Annual Premium* |
|---|---|---|---|
| 1-bed apartment | JLT, Dubai | AED 750,000 + 100,000 | AED 720 |
| 3-bed townhouse | Al Reem, Arabian Ranches | AED 1,800,000 + 250,000 | AED 1,680 |
| 5-bed villa | Saadiyat Island, Abu Dhabi | AED 4,000,000 + 500,000 | AED 3,900 |
Leaving your home unprotected can be financially devastating. Visit InsuranceHub.ae to explore affordable plans, then relax knowing Home insurance in UAE is watching over your family and assets.
Most of our First Time customers couldn’t believe that Buying Insurance Online is as simple and affordable.
We help you to get the Best Deal on any Insurance at a very affordable price ( Insurancehub. ae Customers save almost up to 40% as compared to others )
Save more than you expect. Our Insurance Advisors will help you to find the best deals that will save you not only cover all your needs but would help you save a lot of your Money, Time, and Effort. Insurancehub is a Cheapest Health Insurance in Abu dhabi,job loss insurance brings leading insurance solutions covering your car, home, travel and health to suit your requirements Job loss insurance UAE and Cheapest Life insurance in UAE
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Home insurance is not legally mandatory, but banks require building insurance for mortgaged homes, and contents insurance is strongly recommended.
Building cover protects the property structure, while contents cover protects movable items inside your home.
Plans start from around AED 1 per day, depending on property size, location, cover type and security features.
Yes, most policies cover water leakage from AC units, burst pipes or tank overflow, unless excluded.
Yes. Tenants usually purchase contents insurance to protect personal belongings.
Yes, if your home becomes uninhabitable, the policy pays for temporary accommodation.
Submit photos, invoices and details via the 24/7 platform or hotline. Minor claims are usually processed within 5–7 days.
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