Home Insurance in the UAE: Contents & Belongings Cover

It’s not just home insurance, it’s peace of mind. Protect your furniture, electronics and valuables in Dubai, Abu Dhabi and across the UAE – buy online in minutes

What is Home Insurance?

Home insurance protects the things that make your house a home. If your belongings are damaged or stolen because of fire, burglary or an accident, your policy pays to repair or replace them. In the UAE most tenants and many homeowners have no cover at all, yet a single fire or break-in can cost tens of thousands of dirhams. With YallaCompare you can buy home contents insurance from ADNIC online, choose the plan that fits your budget and get your policy by email

What's covered

Home Contents Cover

Your furniture, appliances, electronics, clothes and other household items are covered up to AED 400,000 against fire, burglary and accidental damage.

Up to AED 400,000

Personal Belongings Cover

Items you carry with you – such as phones, laptops, jewellery and watches – can be covered inside and outside your home, up to AED 100,000. Travelling abroad? Add travel insurance too.

Up to AED 100,000

Garden Cover

Your garden is covered up to AED 5,000 for sudden and unexpected physical loss or damage.

Up to AED 5,000

What is not covered?

Like every policy, home insurance has exclusions. Most plans do not cover: normal wear and tear, damage that happens gradually (such as slow leaks or damp), loss or damage while the home is left empty for a long period, items that are not declared when their value is above the single-item limit, and deliberate damage

Contents vs Building Insurance: Which Do You Need?

For Tenants

If you rent, your landlord usually insures the building. You only need contents insurance to protect your own furniture, electronics and belongings.

For Homeowners

If you own and live in your home, you need contents insurance for what is inside. If you bought with a mortgage, your bank will usually ask for building insurance too – compare mortgages in the UAE or use our mortgage calculator UAE to plan your costs. Protect your family and your home loan with life insurance.

For Landlords

If you rent out your property, building insurance protects the structure, while your tenant should insure their own contents.

Home Insurance Plans: Bronze to Platinum

Choose the level of cover that suits you. Bronze gives you essential protection at the lowest price; Platinum gives you the highest limits and the widest set of benefits.

How Much Does Home Insurance Cost in the UAE?

The cost of home insurance depends on the value of your contents, the plan you choose and the type of home.

How to Buy Home Insurance Online in 3 Steps

1. Choose your plan – pick the cover and limits you need. 2. Enter your details – tell us about your home and the value of your contents. 3. Pay and get covered – pay securely online and receive your policy by email in minutes.

How to Make a Home Insurance Claim

If something happens, call ADNIC’s toll-free number 800 8040 or email comclaims.nm@adnic.ae within 24 hours of discovering the incident. Take photos of the damage, keep receipts for damaged or stolen items, and for theft or burglary get a police report. The ADNIC claims team will guide you through the rest.

Documents Needed for Home Insurance

To buy home insurance you will usually need your Emirates ID, your home address and an estimate of the value of your contents. For high-value items you may be asked for receipts or valuations.

Home Insurance FAQs

Who issues the policy?

Your home insurance policy is issued and managed by ADNIC (Abu Dhabi National Insurance Company), one of the UAE’s leading insurers. YallaCompare Insurance Broker LLC, licensed by the Central Bank of the UAE, arranges the policy for you online.

How do I receive my policy?

Your policy documents are sent to you by email as soon as your payment is confirmed.

What are the coverage limits?

You can choose from flexible plans, from Bronze (basic benefits and limits) up to Platinum (higher limits and wider cover). Home contents are covered up to AED 400,000, personal belongings up to AED 100,000 and your garden up to AED 5,000, depending on the plan.

Is home insurance mandatory in the UAE?

No, home insurance is not required by law for tenants or homeowners in the UAE. However, banks usually ask for building insurance if you buy a property with a mortgage, and contents insurance is strongly recommended to protect your belongings against fire, theft and accidental damage.

What is the difference between contents and building insurance?

Contents insurance covers what is inside your home – furniture, electronics, appliances, clothes and valuables. Building insurance covers the structure itself – walls, roof, floors and fixed fittings – and is usually taken out by the property owner or the building’s owners’ association.

Can tenants get home insurance in the UAE?

Yes. Tenants can buy contents insurance to protect their furniture, electronics and personal belongings. The building itself is normally insured by the landlord.

Can I get a home contents insurance quote online in Dubai without calling an agent?

Yes. Choose your plan and buy online on YallaCompare in a few minutes – no call needed. Your policy is emailed to you straight away.

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