Compare Home Insurance in United Arab Emirates

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22 live offers compared from 14 providers, from AED 10 /month. Updated daily.

Home insurance in the UAE: October 2026 at a glance

Giraffy compares 22 home insurance policies from 14 UAE insurers and banks. Listed annual premiums start at AED 85 with National Insurance (building and contents), AED 95 with Al Wathba Insurance, AED 99 with Orient Insurance, which includes third-party liability up to AED 250,000, AED 110 for ADIB Home Takaful and AED 120 for Salama Home Takaful.

Tenants usually only need contents and liability cover, as in ADIB Home Takaful; owners need a policy that combines building and contents. For a Sharia-compliant option, home takaful is listed from ADIB, Salama and Dubai Islamic Bank. Tip: value your contents accurately and check that escape of water and theft are covered before comparing prices. See also life insurance and home finance.

What is home insurance in the UAE?

Home insurance protects your property and belongings against risks such as fire, escape of water, burglary and certain natural events. In the UAE most residents rent rather than own, so contents cover for personal possessions is the most common purchase, while building (structure) cover is bought by owners and required by mortgage lenders. Tenants rarely need building cover because the landlord insures the structure itself, which is a key distinction to understand before buying so you do not pay for cover you do not need.

How the UAE market works

Insurers licensed by the Central Bank of the UAE sell modular home policies where you select the components you want: contents, building, personal liability and optional add-ons such as accidental damage or valuables cover. Home insurance is generally affordable and is not legally mandatory, but banks require building insurance as a condition of home finance, and some communities or landlords expect tenants to hold a minimum level of contents or liability cover. Both conventional and takaful home policies are available.

Benefits of home insurance

Contents protection — Replaces furniture, electronics, appliances and valuables after theft, fire or water damage.

Building cover — Repairs or rebuilds the structure, which mortgage lenders require for financed homes.

Personal liability — Covers legal costs and compensation if someone is injured or their property damaged in your home.

How to choose

Renters usually need only contents and liability cover, while owners also need building cover. Estimate the full replacement value of your possessions rather than under-insuring, which can reduce a payout, and check the single-item limits on high-value belongings such as jewellery, watches and electronics, which may need to be listed separately. Confirm whether water damage, a frequent UAE claim in apartments, and accidental damage are included, and compare the excess and exclusions across insurers before buying.

Leading providers in the UAE

Orient Insurance, Salama, Al Wathba National Insurance, National General Insurance and AIG are among the insurers offering home cover, with several banks including ADIB, Dubai Islamic Bank and Sharjah Islamic Bank distributing policies to their customers. Because premiums for similar contents cover can vary widely, comparing quotes across a few insurers is a simple way to avoid overpaying.

What it costs

Premiums in the UAE typically range from about AED 85 a year for basic contents cover to AED 600 or more for combined building and contents protection on a larger villa. The cost depends on the sum insured, the property type and location, the level of accidental-damage or valuables cover chosen, and the excess you agree to bear on each claim.

Protections and regulation

The CBUAE licenses and supervises home insurers, setting conduct standards on disclosure and claims handling, with takaful policies additionally overseen by a Sharia board. Read the wording carefully for exclusions and any conditions such as leaving the property unoccupied, keep proof of ownership for valuable items, and document any damage promptly with photographs and receipts to support a claim.

Common questions

Is home insurance mandatory? — Not by law, but mortgage lenders require building cover on financed homes.

Do renters need it? — The landlord insures the structure, so tenants should insure their own contents and liability.

Is water damage covered? — Often yes, but check the wording, as it is one of the most common UAE claims.

Home Insurance in United Arab Emirates — FAQ