Sukoon Home Insurance

Sukoon home insurance is a popular choice among UAE residents. Providing extensive coverage and peace of mind, this insurance type covers your home against various risks with flexible and tailored options.

Types of Sukoon Home Insurance Plans

Sukoon offers two main types of home insurance plans — Home Umbrella and Privilege Home Insurance.

• Home Umbrella Insurance: The Sukoon home umbrella insurance plan provides comprehensive coverage for both homeowners and tenants. It includes coverage for your home, contents, personal belongings, and domestic helpers. 

Optional coverages include accidental damage to personal belongings and liability coverage for domestic helpers. Additionally, it offers benefits like coverage for alternative accommodation during repairs, loss of rent, and tenant's liability up to AED 2 million​.

• Privilege Home Insurance: Designed for high-value homes and high-net-worth individuals, this plan has been developed in partnership with Generali. It covers buildings, contents, art, jewellery, and other valuables, offering worldwide protection. 

This Sukoon home policy is tailored to meet the unique needs of clients and offers personalised solutions. 

Key Features and Benefits of Sukoon Home Insurance in UAE

Mentioned below are the key features of the Sukoon home insurance plan -

1.) Home Umbrella -

• Comprehensive Coverage: This plan covers your home, its contents, personal belongings, and domestic helpers.
• Quick Enrollment: It features a simple and quick enrollment process with minimal documentation.
• Alternative Accommodation: Covers the cost of alternative accommodation if your home is undergoing repairs.
• Liability Cover: Provides coverage for liabilities to your domestic helpers for a small additional sum.
• Unoccupied Home Protection: Protects your home even if it's unoccupied for up to 60 days a year.
• Worldwide Coverage: Your personal belongings are covered worldwide.
• Tenant's Liability: Offers tenant’s liability cover up to AED 2 million.
• New for Old Cover: In case of damaged, lost, or stolen items, the plan provides new replacements of equivalent value.

 

2.) Privilege Home -

• High-Value Home Protection: Specialised insurance for high-value homes, including buildings, contents, art, and valuables
• Partnership with Generali: Created in partnership with Generali, one of the most renowned insurers in Europe
• Complimentary Property Appraisal: Offers a complimentary property appraisal for each of your homes
• Worldwide Coverage: Provides worldwide coverage for your valuable collectibles and artworks
• Digital Tools: Digital tools to help you manage and track your art collection
• Single Point of Contact: A single point of contact for all policy and claim-related queries

Why Buy Sukoon Home Insurance Policy in UAE?

Here are some key reasons to choose a Sukoon home insurance policy -

1. Tailor-Made Policies: Sukoon offers flexible insurance plans that can be customised to meet your specific needs. Whether you are a homeowner or a tenant, you can select the coverage that best fits your requirements.
2. Fast Claim Payout: With a quick and efficient claim submission process, Sukoon processes claims promptly. This helps in minimising the inconvenience and financial strain caused by unforeseen events.
3. Comprehensive Coverage: Sukoon home insurance provides broad coverage options, including protection for buildings, contents, personal belongings, and valuable items such as art and jewellery.
4. Simple Enrollment: The policies feature a quick and easy enrollment process with minimal documentation required.
5. Free Look-Up Period: Sukoon home umbrella insurance policy offers a free look-up period of up to 15 days. You can review the policy and make any necessary adjustments without penalties.

What is Covered Under Sukoon Home Insurance Plans?

Here’s a detailed look at what is covered under the two main plans of Sukoon home insurance, i.e. Home Umbrella and Privilege Home Insurance -

1- Home Umbrella

• Building Coverage -

Coverage Type	Limits in AED
Fire and Allied Perils/Accidental Damage	As per the Policy Schedule or Property Value
Loss of Rent or Alternative Accommodation	20% of the Building Sum Insured (maximum 500,000)
Breakage of Fixed Glass and Sanitary	10% of the Building Sum Insured
Damage to Services (Pipes and Cables)	10% of the Building Sum Insured
Debris’ Removal	10,000 per claim/aggregate
Owner’s Public Legal Liability	3,000,000 in aggregate
Water and Cooling Installations	10,000

• Contents Coverage -

Coverage Type	Applicable Limits (in AED)
Fire and Allied Perils/Accidental Damage to Household Contents	As per the Policy Schedule or Total Contents Value
Loss of Rent or Alternative Accommodation	20% of the Contents Sum Insured (maximum 500,000)
Household Removals	10% of the Contents Sum Insured
Fatal Injury Benefit	70,000
Occupier’s Personal and Employers Liability	3,000,000
Tenant’s Liability	1,000,000 (up to 2,000,000)
Keys’ Theft	3,000
Visitor’s Personal Effects	2,500
Food Spoilage	5,000
Contents Temporarily Removed	20% of the Contents Sum Insured
Contents in Open	5,000

2- Privilege Home Insurance

• Jewellery and Valuables Coverage -

Coverage Type	Details
No insurance limits on the size of your jewellery collection	Full coverage for pairs and sets
Coverage as per the wearing patterns	Jewellery in the safe covered at a lower rate
New purchases covered immediately	Simply inform within 60 days of the purchase

• Art and Collectibles Coverage -

Coverage Type	Details
Worldwide cover	Includes transit
New purchases covered	Comprehensive protection
Expertise for care, repair, and valuation	Access to a free app to manage collections

• Building Coverage -

Coverage Type	Details
Rebuild facility	Guaranteed
Appraisal service	Complimentary
Types of homes eligible	All homes, including apartments
Policy and claim requirements	Only one point of contact

• Household Contents -

Coverage Type	Details
Geographical Coverage	Worldwide
Value of single article	No limit

What is Not Covered Under Sukoon Home Insurance Plans?

Sukoon home insurance plans, while comprehensive, have certain exclusions.

Listed below are some of the key exclusions -

1. Wear and Tear: Damage due to regular wear and tear, gradual deterioration, or mechanical breakdown is not covered.
2. Intentional Damage: Any damage or loss caused intentionally by the insured or any other person residing in the property is excluded.
3. War and Terrorism: Loss or damage resulting from war, terrorism, or related activities are not covered.
4. Nuclear Risks: Damage caused by nuclear reactions, radiation, or radioactive contamination is excluded.
5. Pre-existing Damage: Damage or losses that occurred before the policy start date are not covered.

Additional Benefits Provided by Sukoon Home Insurance

One of the plans offered by Sukoon home insurance — the Home Umbrella plan — provides additional coverage for domestic helpers and personal belongings.

With these optional add-ons, you can enhance the basic coverage and get more comprehensive protection for your home and lifestyle.

• Domestic Helper Add-On

This add-on covers your domestic helpers against various risks. Here are the details -

Coverage Type	Limits in AED
Accidental Death	35,000
Accidental Medical Reimbursement	10,000
Repatriation (Accidental Death)	5,000

• Personal Belongings Add-On

This add-on provides protection for your personal belongings so that they are covered against accidental damage, loss, or theft — both within and outside your home.

Coverage Type	Limits in AED
Accidental Damage to Personal Belongings	As per the Policy Schedule/Total PB Value
Loss of Documents (Passport, work permit, driving licence, and residence permit)	1,000 per document — 3,000 in total
Personal Money and Credit Cards	2,500

How to File a Claim with Sukoon Insurance?

For Home Umbrella Plan

To file a claim under the Home Umbrella Plan, you can contact Sukoon's claims department and keep the following details and documents ready —

• Contact the Claims Department
  • Phone: Call the UAE toll-free number 800 SUKOON (785666).
  • Email: Send an email to generalinsuranceclaims@sukoon.com.
• Documents Required
  • Completed, stamped, and signed claim form
  • Original invoices or bills showing payment confirmation
  • Any medical or lab test reports (if applicable)
  • Police report for incidents like theft or malicious damage
  • Photographs or videos of the damage
  • Brief description of the loss and an estimate of the loss amount

Submit the claim form and documents through the mySukoon app or the online portal for faster processing.

For Privilege Home Insurance Plan

To file a claim under the Privilege Home Insurance Plan, follow these steps -

• Contact the Privilege Club:
  • Phone: Call the dedicated line for Privilege Club members at 800 64272.
  • Email: Send an email to privilegeclub@sukoon.com.
• For Heavy Rains or Severe Weather
  • Email: Send your claim to generalinsuranceclaims@sukoon.com with the following documents and details 
    • Policy number
    • Date and nature of the loss
    • Brief description of the damage
    • Photos or videos of the damage
    • Estimated cost of repairs

Once the information is received, the claims team will respond promptly to assist you.

Sukoon Home Insurance Contact Details

For Dubai -

Type of Office	Address	Phone Number	General Inquiries
Head Office	Omar Bin Al Khattab Street, Next to Al Ghurair Mall, Deira, P.O. Box 5209, Dubai, UAE	+971 4 233 7777	service@sukoon.com
Back Office	Injaz Building, Block Number 1, 2nd Floor, Dubai Outsource Zone, Dubai, UAE	+971 4 233 7777	service@sukoon.com
Al Ghusais (Subsidiary)	Al Ghusias Plaza Building, Office Number 210 & 211, 2nd Floor, Equator Office, P.O. Box 5209, Dubai, UAE	+971 4 233 7777	service@sukoon.com

UAE and Other Branches -

Type of Office	Address	Phone Number	General Inquiries
Abu Dhabi	Salam Street, Al Markaziyah, Sheikh Nahyan Bin Khalifa Bldg. 126, P.O. Box 3335, Abu Dhabi, UAE	+971 2 612 8444	service@sukoon.com
Sharjah Branch Life Agency and Motor Claims Centre	Al Khan Corniche, Majestic Tower, Ground Floor, P.O. Box 1931, Sharjah, UAE	+971 6 593 4180	service@sukoon.com
Ajman	Al Refaa 1 Building, Sheikh Khalifa Bin Zayed Road, Al Nuaima 3, Ground Floor, Ajman, UAE	+971 6 701 5000	service@sukoon.com
Ras Al Khaimah	Next to FAB, Al Corniche Road, Near Royal Medical and Dental Clinic, Al Dafan, P.O. Box 763, Ras Al Khaimah, UAE	+971 7 207 0800	mohammad.abonaffa@sukoon.com
Al Ain (Permanently Closed)	For any requests or queries related to insurance, go to other branches, use digital services, or connect with the provider through call or email.  For Non-Motor Enquiries: Muna Ghafour (Branch Manager) muna.abdulrahim@sukoon.com M: +971 55 877 7838  Mohamad Hamad (Business Development Officer) Mohamad.Hamad@sukoon.com  M: +971 50 622 5309 Call Centre: service@sukoon.com T: 800 SUKOON (785666)	-	service@sukoon.com

Frequently Asked Questions