Vacant Home Insurance

Let’s admit it - we all love a short getaway, whether it's for 30 or 60 days! 

However, keeping your home safe during this time is likely one of your top priorities. This need for protection when you're away is addressed by unoccupied home insurance in the UAE. 

Many people confuse unoccupied house insurance with vacant home insurance, yet they are distinct types of coverage suited for different situations. 

Are you sure which one is right for you? 

Let's dive into the differences between unoccupied and vacant property insurance and help you make the best choice for your home's security.

 

What is Vacant Home Insurance?

Vacant property insurance is a specific type of home insurance designed for homes that are unoccupied for extended periods. This situation arises when a property, such as a villa or apartment, is left empty with no personal belongings inside. 

For example, you purchase a villa in Dubai but don’t plan to move in or furnish it for several months. During this time, the villa would be considered vacant. 

It's important to note that vacant home insurance is not available in the UAE. For shorter periods, like 30 or 60 days, unoccupied house insurance is a suitable alternative.

 

 

Why Buying Home Insurance for Unoccupied Properties is Important?

Home insurance for unoccupied property is important for expats who live in the UAE but frequently travel back to their home countries. Whether it's a short visit or a longer stay, having house insurance for unoccupied houses means that your UAE residence is protected. 

This insurance covers various potential issues from break-ins and vandalism to unforeseen damages like water leaks or fire. It ensures that you won’t face unexpected losses upon your return.

 

Vacant Home Insurance vs Unoccupied Home Insurance

The following table highlights the key differences between vacant property insurance and unoccupied home insurance:

 

 

Is Vacant Home Insurance Available in the UAE?

No, vacant home insurance is not available in the UAE. 

For those planning to be away from their homes for less than 60 days, unoccupied home insurance is a great option. Depending on the insurer and the specific policy details, this type of insurance generally covers tenures of either 30 or 60 days. 

Important: If the house remains unoccupied for longer than the defined period, the coverage ceases.

Many policies regarding comprehensive home insurance for unoccupied property include protection for unoccupied homes as part of their standard coverage. Alternatively, as a homeowner, you have the option to customise your policies to include this specific protection.

 

 

Inclusions of Unoccupied Home Insurance 

When you buy unoccupied property insurance, you get to enjoy several benefits and coverages that financially protect your property even when you are away. 

The key advantages of obtaining home insurance for unoccupied property are given below —

• Theft and Vandalism Protection: It covers damages or losses due to theft and vandalism, which are higher risks when a property is unoccupied.
• Fire and Water Damage Coverage: Comprehensive protection against fire and water damage is included. It safeguards your property from common hazards that can occur in empty homes.
• Public Liability Insurance: If someone is injured on your property while it is unoccupied, this insurance can cover legal fees and damages.

 

How to Buy Home Insurance for Unoccupied House in the UAE?

To purchase unoccupied home insurance in the UAE, you can conveniently use the online platform of Policybazaar.ae. This platform is well-known for its expertise in offering a wide range of insurance and financial products, with home insurance being one of its specialties.

Here’s how you can apply through Policybazaar.ae:

• On Policybazaar.ae, navigate to the home insurance section.
• Fill out the lead form with your details.
• Once your form is submitted, a home insurance expert from Policybazaar.ae will contact you. They will understand your specific needs, help you tailor the policy accordingly, and provide you with the best unoccupied home insurance quotes. 
• Or you can directly click on the below button

Get a Call from EXPERT Now

 

Over to You!

While vacant home insurance might not be available in the UAE, you can always turn to unoccupied property insurance to get coverage for home during periods of temporary absence. If you're away on vacation, work commitments, or an extended stay in your home country, home insurance for unoccupied properties is a good solution. 

With the ability to customise the coverage and the support of experts like those at Policybazaar.ae, obtaining the right insurance is quite easy and accessible. 

So obtaining unoccupied home insurance is not just a precaution it's a smart investment in the safety and security of your property!