Types of Home Insurance in Dubai and How to Choose One

If you own a home in the city, chances are you’ll need home insurance too. Even if you rent your home and don’t have any possessions worth protecting, your landlord will still require homeowner’s insurance as well. If you happen to own a home in Dubai and are not sure which type of home insurance is right for you, this article is for you. It offers an overview of the different types of home insurance in Dubai and how to choose one that fits your specific needs. After all, home is where the heart is, but it’s also where your valuables are. So read on to learn more about the ins and outs of these different types of coverage so that you can make the best decision for your specific situation.


A brief overview of the different types of home insurance in Dubai

When you need home insurance, there are a few different types of coverage you can choose from. These will all vary based on your specific needs and budget, so it’s important to understand what each type of coverage entails:

Home Owner’s Insurance – This is the most basic type of coverage. It protects the structure of your home itself. If a major storm, fire, or other disaster were to strike, this insurance will cover the cost of rebuilding your home.

Dwelling Insurance – This will typically include all of the above, as well as the additional items below. This includes things like paintings, furniture, electronics, etc. If you have any of these items inside your home, you may want to consider adding this coverage.

Condo Insurance – Homeowners with condo buildings can also choose to get condo insurance. This will cover the condo building itself, as well as all of the items inside the condo that are yours.


Why you’d need home insurance in Dubai

Opting for home insurance in Dubai is highly important. If any kind of disaster strikes, you’ll have coverage to help you rebuild and repair your home. This is a very practical type of coverage and something that everyone should have. You may also want to consider home insurance if you have any valuable items inside your home, like electronics, art pieces, and other collectibles. If a fire were to destroy your home, you’ll want to make sure the insurance covers these items, in addition to your home. After all, it’s not just the structure of the home that holds importance, the memories you make in it, and the products that you buy are just as vital.


What does home insurance coverage include?

Home Insurance coverage in Dubai is fairly comprehensive. It doesn’t just cover the outer structure of your home, but also provides coverage for your precious valuables stored inside. Some of the major categories covered in your plan generally  include the following:


  • The outer structure.
  • Additions to the basic structure include terraces, garages, swimming pools, walls, gates, etc.
  • Fixtures and fittings belonging to the landlord/owner.

Household Contents

  • The furniture inside the house.
  • Household goods.
  • Electrical appliances like televisions and other valuables.

Personal Possessions

  • Unspecified valuables like clothing and other personal effects up to a certain limit.
  • Specified valuables like expensive jewelry, watches, mobile phones, laptops, and other personal equipment.
  • Sports equipment, and other accessories

Add On Coverage:

  • Your home insurance policy in Dubai can be extended to cover your Third-Party Liability as an occupier (tenant or an owner).
  • You can also get additional coverage that includes personal accidents for domestic workers.


Connect with an insurance broker for the best results

Choosing the right type of home insurance coverage can be confusing, especially since there are several types to choose from. That’s why it’s important to make the connection with an insurance broker. Home insurance brokers have experience picking the right type of coverage for their clients. They can help you understand what each type entails and how much it will cost you. They can also help you with the paperwork required to make things happen. Home insurance brokers are experienced in the industry and understand the ins and outs of each type. They can also help you make sense of the rules and regulations involved, and select the right type of coverage for your specific needs.


Summing up

Home insurance in Dubai is a must for every homeowner. It protects your home and its contents in case of a natural disaster. Homeowners insurance is fairly affordable and protects your home, while dwelling insurance protects everything inside your home, such as furniture, electronics, and artwork. Home insurance can be confusing and tricky to understand. That’s why it’s important to consult with an insurance broker. They can help you understand the terms and conditions involved in each type of plan and make the best choice for your specific needs.

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