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Property Insurance


Property Insurance is essential protection for homeowners, landlords, and tenants across the UAE who want to safeguard their buildings and belongings against life’s unexpected events. Whether you own a luxury villa in Dubai or rent an apartment in Sharjah, Property Insurance offers peace of mind by covering losses caused by fire, burst pipes, storms, theft, and even malicious damage. At insurancehub.ae, we help you compare quotes from 50+ Central-Bank-approved insurers and select the right level of cover at the right price.


Why You Need Property Insurance in the UAE


  • Extreme climate risks: Summer temperatures regularly exceed 45°C, placing extra stress on electrical wiring and air-conditioning systems.
  • Accidental water damage: A single burst flexi-hose can flood an entire flat in minutes, destroying furniture and electronics.
  • Mortgage requirements: Most banks require buildings cover as a condition of lending.
  • High repair costs: Imported materials and specialist labour can make reinstatement expensive without a comprehensive policy.

Core Components of a Property Policy


1. Building Cover


Building insurance protects the structure itself—walls, roof, fitted kitchens, built-in wardrobes—against perils such as fire, lightning, explosion and impact. The sum insured should match the rebuild cost, not market value. Many UAE homeowners underestimate this amount; our advisors can calculate it accurately.


2. Contents Cover


Contents insurance secures movable possessions: furniture, appliances, clothing, art, and jewellery kept inside the home. Policies usually pay replacement cost on a “new-for-old” basis, reducing out-of-pocket expense after a loss.


3. Personal Belongings “All-Risk”


For items you take outside—laptops, phones, watches—an all-risk rider extends cover worldwide, including accidental damage. This is particularly useful for frequent travellers and expat professionals.


4. Liability Extensions


Owner’s and tenant’s liability cover legal costs and compensation if someone is injured on your premises. Landlords can also add loss-of-rent protection to maintain cash flow after a major claim.


How insurancehub.ae Simplifies the Process


  1. Instant quote engine displays side-by-side comparisons in seconds.

  2. Transparent policy wording lets you see exactly what’s covered and excluded.

  3. Expert advisors tailor recommendations to your property type, whether it is freehold, leasehold or rented.

  4. Online claim assistance guides you step-by-step—from documentation to surveyor appointment—making recovery faster.

Learn more about Property Insurance and get your personalised quote today.

Almost 78.3% of Our current Customers actually choose Insurancehub because of the following reason:

Easy and Affordable way to Buy any Insurance Online

Most of our First Time customers couldn’t believe that Buying Insurance Online is as simple and affordable.

Free Expert Guidance

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 Time, Money, and Effort

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.

Saving is the Ultimate Mantra…

100% Guarantee of Premium Support

We just don’t treat our customers as Just customers rather friends. And Insurancehub is that friend who will never forget you whenever you’re in Need. We take this part of our Operations were carefully so that you get a seamless experience.

FAQs About Property Insurance

Why is property insurance important for homeowners?

Property insurance safeguards your biggest asset from risks like fire, flood, or vandalism. It ensures financial stability by covering repair or rebuilding expenses when unexpected damage occurs.

What does property insurance cover?

Most property insurance covers your building structure, contents, and sometimes liability for injuries on your property. Coverage varies based on the plan and chosen add-ons.

What is not covered under property insurance?

Typical exclusions include intentional damage, wear and tear, war, and poor maintenance. Some insurers may also exclude natural calamities unless added as an extra rider.

How is property insurance premium calculated?

Premiums depend on property value, location, building type, and coverage level. Higher-risk areas or older buildings usually result in higher insurance costs.

How do I file a property insurance claim?

Report the incident to your insurer immediately, document the damage with photos, and submit required documents. The insurer assesses and settles the claim after verification.

Still not able to decide whether Insurancehub would be a good fit for you or not.