Holiday Home Insurance in the UAE

What is Holiday Home Insurance? 

To understand holiday home insurance, let’s first understand what a holiday home is.  

A holiday home, also referred to as a ‘second home’, is a place that you own but is not your main residence. It’s a kind of property that is used by you, your family members, friends, or paying guests to enjoy vacations. 

However, this type of home is not covered under your standard home insurance policy. Rather, it requires a separate kind of coverage, i.e. holiday property insurance. It’s an insurance type that is designed to cover your vacant property against various risks  — significant loss/damages of property and content from burglary, fire, theft, and more.

How is Holiday Home Insurance Different from Home Insurance in the UAE? 

The home where you live is quite different from the place where you go for vacation. Both have different uses and requirements, which means both are completely different from each other. 

While your residence property is occupied most of the time, your holiday home is vacant for a long time or often rented to paying guests. This makes it more vulnerable to risks such as theft, damage, and more. 

Holiday home insurance in the UAE protects your home-away-home from certain risks generally not covered in a standard home insurance plan. 

Important: Home insurance usually does not provide coverage for vacant homes (if your home is vacant beyond 60 days). But holiday property insurance plans cover the property that has been vacant for an extended period of time (the limit of days may vary as per the policy).

What is Covered by Holiday Home Insurance? 

Here are the standard inclusions of holiday home insurance —

Building Coverage 

Your policy can cover the loss or damage of the insured building such as structural damage due to fire, theft, vandalism, burglary, and more.  

Content Coverage

With this insurance, you can safeguard the valuables or possessions inside the insured property. However, keep in mind that some policies don’t cover the loss of cash and jewellery.  

What is Not Covered by Holiday House Insurance? 

The key exclusions under holiday property insurance include —

• Political risk 
• Pollution and contamination 
• Nuclear energy 
• Terrorism 
• Termite damage 
• Radioactive damages 
• Absolute fungi liability

Note: Inclusions and exclusions may vary as per the insurer and the policy. It’s advisable to carefully review policy documents before purchasing a plan.

How Much Does Holiday Home Insurance Cost? 

Where to Get the Best Holiday Home Insurance? 

Policybazaar.ae is a one-stop site for all your insurance needs. It’s a leading online platform in the UAE where you can find the best home insurance for yourself. 

Instead of browsing multiple platforms, you can find plans from the top insurers in one place here! You can compare coverage details, prices, benefits, and more. Based on this comprehensive comparison, you can find the perfect policy at the most affordable rates. 

When you buy insurance for your home through this platform, you can enjoy significant privileges such as — 

• Expert guidance
• Prompt customer service
• Comprehensive plans from the top companies 

Frequently Asked Questions