Best Home Insurance Companies in UAE

In the UAE, there are several home insurance companies, and it’s essential to find the best one. Here, we have compiled a list of top home insurance providers with exclusive features and benefits.

Top Home Insurance Companies in Dubai, UAE - (2025)

Discussed below are the house insurance companies in the UAE that provide unique plans to protect your property and contents.

1- Tokio Marine Home Insurance

Tokio Marine is a global leader in providing home insurance plans for homeowners and tenants. It has been working in the UAE since 1976 under the sponsorship of Al Futtaim Development Services Co. LLC. The company offers a comprehensive home insurance policy, covering a range of adverse events— fire, theft, natural calamities, and more.

Here are the key details of the home insurance plan offered by Tokia Marine:

Key Details	Description
Coverage	Content and building  Liability coverage Fatal injury benefits Loss of rent Domestic servants Pet cover

Contact Number-

• Dubai Office: +971 - 4 - 3502 777 
• Abu Dhabi Office:  +971 - 2 – 6432 290

Working Hours- Monday to Friday- 8 am to 5 pm

Click here to Buy Tokio Marine Home Insurance

2- Sukoon Home Insurance

Sukoon is one of the top homeowner insurance companies, formerly known as Oman Insurance in the UAE. With more than four decades of experience in the industry, it offers flexible and affordable home insurance solutions, tailored to meet specific needs.

The company features two major home insurance plans- Home Umbrella and Privilege Home Insurance.

Here are the key details of Sukoon home insurance plans:

Home Insurance Plan	Features
Home Umbrella	Provides building and content coverage Protection against: Fire, accidental damage, theft, and more Additional benefits: Personal belongings and domestic helper coverage Free 15-day look-up period Alternative accommodation cover or loss of rent coverage up to 20% of the building sum insured or AED 500,000 Tenant's liability coverage up to AED 1,000,000
Privilege Home Insurance	Specialised insurance plan, partnered with Generali for high-value homes Provides building, contents, art, collectibles, and jewellery coverage Digital app to manage and track your art and collectibles for free Global coverage: For content and valuable arts  Quick and easy claim submission

• Contact Number- 04 233 7777
• Working Hours- Monday to Friday- 8 am to 5 pm

Click here to Buy Sukoon Home Insurance

3- Fidelity United Home Insurance

One of the oldest insurance companies, Fidelity United Home Insurance deals in a diverse range of insurance solutions. Among its top offerings, Manzil is the most popular home insurance product. It provides complete financial protection to homeowners against various unforeseen events.

Typically, Manzil, the home insurance plan offers building, contents, personal belongings, accidental damage, and domestic helpers coverage.

Here’s an overview of the benefits under ‘Manzil’ home insurance plan:

Coverage	Benefits
Content Coverage	Locks and keys replacement Loss of rent Alternative accommodation expenses Fatal injury benefit Tenant's liability Food spoilage in deep freezer
Personal Belongings Coverage	Personal money and credit cards Valuables and portable equipment Loss of residence/work permit, passport, and driving license

• Contact Number- 800 842
• Working Hours- Monday to Friday- 8 am to 5 pm

Click here to Buy Fidelity United Home Insurance

4- ADNIC Home Insurance

ADNIC (Abu Dhabi National Insurance Company) is another well-known house insurance company in the UAE. It offers comprehensive insurance solutions to protect your home from uncertainties that cause loss and damage. With a focus on customer satisfaction, it features:

• Building and personal belongings’ coverage
• Tenant liability
• Hassle-free claim process

Their home insurance solutions are categorised into four types- Platinum, Gold, Silver, and Bronze.

The key specifications of the categorised home insurance plans are briefed below:

Plan Types	Specifications
Platinum Home Insurance	Content coverage up to AED 400,000
Gold Home Insurance	Content coverage up to AED 250,000
Silver Home Insurance	Content coverage up to AED 150,000
Bronze Home Insurance	Content coverage up to AED 50,000

Contact Number-

• 8008040
• +97124080900

Working Hours-

• Monday to Thursday: 8 am to 5 pm
• Friday: 8 am to 12 pm

Click here to Buy ADNIC Home Insurance

5- Liva Insurance Home Insurance

Liva Insurance, previously known as RSA Insurance, offers comprehensive home coverage to protect your property and contents. With seamless claim settlement and round-the-clock customer assistance, the company ensures policyholder’s peace of mind.

The insurance company provides coverage against a range of uncertainties. The key coverages are tabled below:

Coverage	Specifications
Contents	Accidental damage Fire, explosions, earthquake, and lightning Theft Falling receiving aerials Smoke Storm Flood Impact damage Water/oil damage Riots, strikes, political disturbance, and more
Personal Possessions	Accidental loss or damage Sports equipment Theft Documents loss Loss from fraudulent use Pedal cycles
Building	Accidental damage Fire, explosions, earthquakes, and lightning Theft Falling receiving aerials Smoke Storm Flood Impact damage Water/oil damage Riots, strikes, and political disturbance Rent and alternative accommodation Pipes and cable Owners liability  Subsidence Falling trees or branches

Contact Number-

• +971 4 3029835
• +971 4 3029903

Working Hours- Monday to Saturday: 9 am to 5 pm

Click here to Buy Liva Insurance Home Insurance

6- Dubai National Insurance (DNI) Home Insurance

For people looking for home insurance in the UAE, Dubai National Insurance is one of the good home insurance providers. Whether you are living in an apartment, townhouse, or villa, the company protects your stay from a variety of risks. It covers the damage or loss of your property, contents, rent, furniture, fixtures, and fittings.

Here are the key coverages by DNI home insurance in the UAE:

Key Details	Description
Coverages	Fire and explosions Earthquake, flood, and natural calamity Water pipes bursting Burglary Impact caused by road vehicles or aircraft

Note: The policy also covers your liability to a third-party claim, in addition to accidental damage.

• Contact Number- 600 5 80000
• Working Hours- Monday to Friday: 8 am to 5 pm

Click here to Buy Dubai National Insurance Home Insurance

7- GIG GULF Home Insurance

As one of the best house insurance companies in the UAE, GIG Gulf has been ruling the insurance industry for over 70 years. Its home insurance plans are tailored to suit your unique requirements, covering your property against several risks.

Key Features:

• Easy claim settlement process
• Unmatched customer support

We have mentioned the home insurance plans offered by GIG Gulf insurance company:

Plan Types	Description
Building Insurance	It provides home protection against fire, accidental damage, breakage of fixtures, and more
Contents Insurance	It covers the loss and damage of your contents from a variety of events such as fire, lightning, falling of installed fixtures and damage/loss during transit
Owner & Occupiers’ Liability Insurance	Covers third-party damage
Tenant's Liability Insurance	Protects tenants from any liabilities related to the damage to landlords’ property

Contact Number-

• 800 292 
• +971 4 5074085

Working Hours- All days: 8 am to 7 pm

Click here to Buy GIG GULF Home Insurance

How to Choose the Best House Insurance Company in the UAE?

When you are buying a home insurance plan, there are some critical factors you should consider. Some of the considerable points are as follows:

• Assess Your Needs

First things first– you need to be aware of your home coverage needs. Do you want basic protection for your home? Are you looking to get coverage for your valuable content? Are you a homeowner or a tenant? Remember, uncertainties can knock on your door anytime, and assessing your needs can help you choose the best coverage plan.

• Compare Home Insurance Plans

In the UAE, numerous household insurance companies offer coverage for your building and contents. It’s important to compare the features, coverages, and premiums of different insurers to find the best one. Online reviews and testimonials are available to help; a higher number of positive reviews indicates that the insurer is trustworthy.

• Claim Process

This factor can’t be ignored when choosing the best home insurance provider. Look at the claim settlement process that should be quick and fast. A good home insurer ensures a hassle-free claim settlement process that saves you time and a stress-free experience.

• Premiums

Home insurance premiums can vary significantly from insurer to insurer. Make sure you get comprehensive home insurance coverage without breaking the bank. Weigh the costs carefully— what you're receiving for what price. Do not always opt for low-cost plans because the type of coverage is quite important.

• Evaluate Exclusions

It’s important to look at the exclusions of your chosen home coverage, as each insurance plan has some limitations.

• Additional Benefits

Many home insurance companies in the UAE are offering additional benefits in the form of add-ons/riders. This provides extensive protection to your home and contents. Having said that, extra coverage means paying more in premiums. So, if you add more coverage, your premiums may rise.

Why Buy Home Insurance From Policybazaar UAE?

On Policybazaar.ae, you can find the top home insurance companies in the UAE. Whether you are looking to secure your precious belongings or your home, the platform allows you to compare different plans using many filters and choose the best one that meets your unique needs.

Benefits of Using Policybazaar.ae:

• 24/7 Customer Support: Assistance whenever you need it
• Discounts on Premiums: Save on your insurance costs
• Wide Range of Plans: Multiple options to choose from
• Expert Assistance: Guidance to help you make the best choice

You can enjoy a seamless experience of home insurance purchases with us.

Frequently Asked Questions