Liva (Previously RSA) Home Insurance

Liva Home Insurance — An Overview

RSA House Insurance (Now Liva) offers comprehensive protection for homeowners and tenants, ensuring they are covered against unforeseen events. The plans cover damages to property and belongings caused by fire, theft, natural disasters, and accidental damages.

The company provides flexible plans to cater to diverse needs, including Contents, Buildings, and Personal Possession coverage. The insurer also provides liability coverage, protecting homeowners from legal claims due to accidents on their property.

All in all, Liva’s home Insurance is an excellent option to safeguard one of your most valuable assets and enjoy financial security.

Types of RSA Home Insurance Plans

Liva Insurance offers the following types of home insurance plans in the UAE -

• Contents - You get compensated for your personal items in case they are damaged, destroyed, or even stolen due to a covered peril or loss.
• Personal Possessions - This plan covers your personal belongings against any damage or accidental loss that you carry in or out away from your home.
• Buildings - Building coverage in home insurance covers you (the homeowner) against repairing costs or rebuilding the structure in case of damage incurred by covered perils.

Why Buy Liva Insurance (Previously RSA Insurance) Home Insurance Policy in UAE?

Some of the top reasons to choose Liva or RSA house insurance are as follows -

• Comprehensive Coverage: Get comprehensive plans designed as per your financial requirements.
• Convenient Claim Process: Easily submit your claims without any hassle and get your reparations done at the earliest.
• 24/7 Customer Support Assistance: Got queries or have any issues while buying, selecting, or claiming insurance? No worries, the provider’s customer support team is available round-the-clock!

What is Covered Under Liva Home Insurance Plans?

Given below are the types of Liva home insurance plans and their coverage —

• Contents Insurance

Accidental Content Damage	Loss of Money	Furniture in Transit	Water/ Oil Damage	Fire, Earthquake, Explosion, or Lightning
Mechanical and Electrical Equipment	Temporary Removal	Contents in the Open	Impact Damage	Falling Branches or Trees
Mirrors and Glass	Tenants Liability for Damage	Fatal Injury	Riot, Strike, Civil Commotion, Labour or Political Disturbance	Falling Aerials
Keys and Locks	TVs, Computers, and Videos	Deep Freezer Contents	Rent and Alternative Accommodation	Smoke
Legal Liability	Domestic Staff	Visitor’s Personal Effects (items)	Theft or Attempt for it	Storm or Flood

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• Personal Possessions Insurance

Pedal Cycles	Equipment for Sports
Loss from Fraudulent Use	Theft or Attempted Theft
Loss of Documents	Accidental Loss or Damage to Personal Possessions

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• Buildings Insurance

Accidental Building Damage	Theft or Attempt
Falling Aerials	Falling Trees/Branches
Fire, Explosion, Earthquake, or Lightning	Smoke
Storm or Flood	Water/ Oil Damage
Impact Damage	Riot, Strike, Civil Commotion, Labour or Political Disturbances
Glass and Sanitaryware	Rent and Alternative Accommodation
Cover During Sale	Cables and Pipes
Owners Liability to Public	Subsidence
Water and Cooling Installations	-

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What is Not Covered Under Liva Home Insurance Plans? 

Here is a list of the exclusions of Liva home insurance -

• Loss or damage arising after your home has been continuously unoccupied for 60 days
• Any losses or damages incurred before the start of coverage
• Consequential loss of any description by you or your household
• Any loss or damage not informed to the Police
• Damage or loss due to wear and tear 
• Loss or damage due to intentional acts by you or your household or your tenants, employees, or guests (as per the cover type offered)
• Loss or damage due to defective design, faulty workmanship, or usage of defective materials

How to File a Home Insurance Claim with Liva Insurance?

For your reference, we have mentioned the claim process of Liva or RSA house insurance in the UAE -

STEP 1: Notify Your Provider

Immediately after the incident occurs, inform Liva Insurance to initiate the claim process at the earliest.

Dial 800774 to connect with one of the officials.

STEP 2: Keep the Required Documents Handy

Given below is a list of common documents for the claim process —

• Police Report
• Policy Documents or Policy Number
• Details of the Incident Occurred
• Duly Filled Claim Form
• Document Stating the Approximate Value of Loss (if required)   

Note: This is a general list — you may have to submit additional documents if required.

STEP 3: Submit Your Claim Request

You can easily file your home insurance claim vis-a-vis Liva Insurance online. Simply visit the insurer’s official website and click on claims. Proceed with the on-screen prompts. Alternatively, you can drop an email at homeclaims.ae@livainsurance.com. 

Want offline means for filing your claim? You can contact the insurer by dialling 04 3029835 or 04 3029903. 

Once submitted, Liva Insurance authorities will review the submitted form and documents. If approved, you will be reimbursed accordingly.

Liva Insurance Home Insurance Contact Details

You can file a Liva or RSA house insurance claim through the following contact details —

For Claim Assistance

• 800 774
  Monday-Saturday 9:00-17:00

For Other Customer Services

• 800 772
  Monday-Saturday 8:00-20:00

Frequently Asked Questions