Buying Home Insurance in UAE

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  Fire

  Fire insurance policy indemnifies you against damage to your property caused by fire related accidents with inclusions of lightning, implosion or explosion and impact damage. It covers the cost of repairing or replacing damaged property, loss of personal belongings, expenses for lodging and meals up to the policy limits, till your property is unusable.

   

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  Property

  Property insurance provides protection against all risks to your home property such as fire, theft, flood, earthquake and unforeseen weather-related damage. The policy offers either property protection or liability coverage and include replacement cost, actual cash value, and extended replacement costs.

   

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  Theft/Burglary

  Theft insurance recompenses for damage caused to the insured property and loss of valuables such as jewelry, cash and other items due to theft and violence. Burglary insurance is also known as crime insurance. Burglary and robbery are both property crimes, however there is slight difference, robbery may happen when the victim is present at the premises during the incident whereas burglary happens when the victim is not present at the premise when the incident took place.

   

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  Personal Accident

  Personal liability insurance policy provides coverage to pay for claims of bodily injury and property damage sustained by guests for which you or your household members are responsible for. This could include someone slipping on the porch or falling as a result of a broken steps.