Buying Home Insurance Online made Quick, Easy & Affordable.

This includes damage caused by: fire, lightning, explosion, over voltage, implosion, impact or crash of an aircraft, its parts or cargo.

Damage example 1: A short-circuit ignites a fire. The house burns down completely. The costs of the reconstruction are replaced at the replacement value (replacement value compensation).

Damage case 2: As a result of a lightning strike, the roof structure starts to burn. The fire department can extinguish the fire, but the attic is completely destroyed. The residential building insurance covers the repair costs.

Damage example 3: A lightning causes an over voltage in the power line. This will damage the house’s electronic control units – such as heating and bell systems. The insurer will repair the surge damage.

Tap water

Damage event: A water pipe bursts and escaping water damages walls, ceilings and floors. The repair and drainage costs are paid by the insurance.

Storm and hail

Damage example: A strong storm covers the roof of your house. The accompanying rainfalls also damage the attic and must be repaired. The insurance covers the costs of storm damage.

Additional elementary element against natural hazards recommended

Elementary damage in residential building insurance – claims and amounts of damage in a year-on-year comparison from 2016-2018 In view of climate change and recurring natural disasters, it is advisable not only to take out building insurance, but also to take out basic insurance. Precisely because the destructive power of elemental forces is particularly great and the damage associated with it is therefore very expensive, this additional insurance protection is basically indispensable. Many of the current flood damage had to be borne by homeowners themselves because they had not included natural hazards in their insurance coverage

A supplementary natural damage insurance covers the following causes of damage:

Heavy rain or backwater

• Earthquake, landslide


• Snow pressure, avalanches

The extension of building insurance to include elementary damage thus offers extensive insurance protection, so that you are optimally covered in the event of damage to a building.

Extended insurance protection in UAE: additionally, insurable

The basic protection of residential building insurance can also be expanded to include damage caused by these risks:

• glass breakage

Glass breakage insurance usually covers the following items:

• pre-installed or assembled glass and plastic panels and plates


• Skylights made of glass or plastic


• Profile glass and glass blocks


• artistically worked glass panes, plates and mirrors

Damage example: A strong gust of wind slams the open patio door – the glass jumps. The glass insurance pays for the exchange. photovoltaic system: Damage to your photovoltaic system is insured. The basic hazards against which you also ensure your building are usually covered:

• Fire and explosion


• lightning strike


• Storm


• hail


• Airplane or parts of it crash

Damage event: During a heavy hailstorm, several solar cells on your house roof are destroyed. The insurance company pays for the replacement of the damaged panels. In addition, depending on the tariff, so-called supplementary technical risks can also be included in the insurance cover. This includes, among other things, short circuits, operating errors, vandalism as well as construction, material and execution errors.

Drain pipes on the property

Damage to the drainage pipes of the water supply on your property, for example due to frost or breakage, is insured. Damage event: A sewage pipe in your garden breaks due to frost. For the exchange, the property must be excavated with an excavator. The insurance pays the costs.

Drain pipes outside the property

Damage to the drainage pipes of your water supply, for example due to breakage or frost, is also insured if the pipes run outside your property. Damage example: Your sewage pipe leads through the garden of your neighbors. After a frost-related break, their property must be dug up for pipe replacement. Your insurance will cover the costs.

Frequently asked questions for Car Insurance in Mussafah

How much does residential building insurance cost?

Favorable tariffs for residential building insurance are available from just AED 2.45 a month. The exact costs of the insurance depend primarily on the building to be insured.

The following factors are taken into account:

• Specifics of the building (building type, year of construction, type, number of floors, living space, renovation measures, equipment)
• Location of the building (post code, Mussafah danger zones )
• Scope of services of the tariff
• Additional modules (elementary insurance, building owner liability, broken glass, photovoltaics, drainage pipes)

In the InsuranceHub.ae online comparison of residential building insurance, you can easily filter which insurance protection your desired tariff should include. After entering the building data, you will only see the corresponding tariffs.

What is my Home insured against?

The basic protection of homeowners insurance includes damage caused by

• Fire & lightning


• tap water


• Storm & hail


• natural hazards

Components of the building such as roof, walls, doors and windows as well as balconies and terraces are insured . Fixed components within the house are also included in the insurance cover. These include built-in furniture, bathtubs, heaters and permanently installed floors. If required, drainage pipes, photovoltaic systems and broken glass can also be insured.

How does residential building insurance differ from household insurance?

Homeowners insurance and household contents insurance cover similar dangers, but cover different items. Building insurance covers a house and all parts permanently installed in it – such as heating systems and fitted kitchens, which are individually planned and manufactured for the building. Moving objects in the house, for example, furniture and electrical appliances, are insured through household contents insurance.

Is damage insured that I caused through gross negligence?

Basically, an insurer has the option of reducing its benefits if the policy holder causes damage through gross negligence, for example by leaving candles lit unattended and this causes a fire. In many tariffs, this so-called objection of gross negligence is waived up to a sum of damage stipulated in the insurance conditions. In some cases, this even applies to the sum insured. The damage will then be paid in full, even if you have seriously neglected your duty of care.

How is my insurance premium and the sum insured calculated?

The amount of the insurance premium for residential building insurance is based on the new construction value of your house. The so-called insurance value 1824 is usually used for this. In addition, other factors – such as where you live, the type class and the age of your house – also play a role. One speaks in the case of residential building insurance from a sliding new value insurance, since the building value increases are taken into account in the calculation. As a result, the contributions are adjusted annually. Your advantage: If you suffer a total loss, the insurer will reimburse the current reconstruction value.insurancehub.ae is an insurance comparison website in UAE. We are dedicated to serving you with all the information that you need regarding insurance. Job loss insurance UAE

How do I avoid under insurance?

There is under insurance if the actual new construction value of your house is above the agreed sum insured. In the event of damage, you will only be reimbursed in part. This can be disastrous, especially in the event of a total loss. To avoid under insurance, it is important that you correctly determine the value of your home. Therefore, it is best to calculate the value of your home conveniently via InsuranceHub.ae to avoid an under insurance risk.

Are outbuildings included in the insurance coverage?

Outbuildings are included in the insurance cover provided that they are listed in the insurance contract. It is important that all buildings to be insured – such as garages or garden houses – are communicated to the insurer.

What is fire cover insurance in Mussafah?

The fire shell insurance insures you against fire damage that occurs during the construction phase of your house. It can be taken out independently of the building insurance or as an add-on – usually even free of charge.

When can I cancel my insurance?

Regular termination: Most insurers have a notice period of three months before the contract expires. If you miss this deadline, your contract is usually automatically extended by one year. Damage event: You can also terminate the contract prematurely if it is a case of damage termination. In this case, the cancellation must be submitted within one month of the claim being settled. However, there must have been damage that is subject to compensation – for example, it must not have been caused negligently or intentionally by the policyholder. However, in the event of damage, the insurer also has the right to terminate the contract prematurely – with a period of four weeks after the regulation – by means of a special termination right. Selling and buying a house: When a house is sold, the policy and thus the premium payment obligation for residential building insurance is automatically transferred to the new owner. In this case, as a former property owner, you do not have to quit at all. If, on the other hand, you buy or inherit a property with building insurance, the insurance contract is automatically transferred to you. When buying a house, you have a special right of termination of one month from the date of entry in the land register. If you have inherited the building, this does not apply. Then the special right of termination expires. Premium increase: If your insurer increases the premium by more than ten percent, you can also invoke the special right of termination.

Carry out a non-binding residential Home insurance comparison in Mussafah

If you want to change your home insurance or take out insurance for the first time, it is advisable to use our home insurance comparison. Our insurance calculator determines cheap policies based on your input. The display of suitable insurance offers quickly reveals differences in benefits and prices. This makes the choice of the right tariff much easier. If you wish, you can take out Home insurance online or have a non-binding offer sent to you by email and post. Our customer service is UAE Gov-tested and does not cost you a cent! Quite the opposite: by comparing over 800 different tariff variants with the help of our non-binding online calculator, you can save up to 92 percent. car insurance
health insurance
home insurance
life insurance
Thinking of buying Home Insurance in Mussafah UAE? Why Thinking ? Call us to discuss NOW! Contact us to discuss: contact us