Choosing the most suitable home insurance in the UAE can be overwhelming—especially with so many carriers, policy types, and pricing models available. Whether you're a homeowner in Abu Dhabi or a renter in Dubai, having the right protection for your home and belongings is important in 2025.
That is why we've created this free UAE residents home insurance comparison checklist available to everyone, to help you compare and analyze policies at ease. Whether you're buying a policy for the first time or simply need to renew, this checklist will see you through—wisely and economically.
Home Insurance Checklist UAE: What to Compare Before You Buy
Use this checklist to compare or analyze any policy or quotation when comparing home insurance in the UAE:
✅ 1. Coverage Type
✔️ Building insurance: Covers the building (walls, roof, fixtures).
✔️ Contents insurance: Covers property (furniture, electronics, clothes).
✔️ Combined: Covers both—ideal for homeowners.
Take note if you're only covering your contents as a tenant, or building and contents as an owner.
✅ 2. Included Perils
Fire and smoke
Theft or burglary
Water damage (burst pipes, leaks)
Natural disasters (optional in some policies)
Check what accidents are covered—some lower-budget policies may not cover standard claims like leaks or electrical problems.
✅ 3. Optional Add-Ons
Accidental damage: To cover unexpected mishaps like a spilled drink on a computer.
Personal belongings away from home: Covers stolen or damaged personal belongings when you are not at home.
Domestic helper liability: Covers injury to live-in domestic helpers.
Alternative accommodation: Covers temporary residence if your home becomes uninhabitable.
These add-ons provide additional protection—especially useful in UAE city living.
✅ 4. Exclusions and Limits
Valuables worth more than AED 10,000
Wear and tear
Negligence or poor maintenance
Read the fine print to know what's excluded and the limit on payouts.
✅ 5. Premiums and Deductibles
Monthly or annual premium
Deductible (excess) amount per claim
Lower premiums may mean higher deductibles—weigh cost and coverage carefully.
✅ 6. Customer Service & Claims Process
24/7 helpline
Digital claim submission
Emergency support services
How your insurer responds during a crisis matters. Simple and fast claims are crucial.
✅ 7. Company Reputation & Digital Tools
Online reviews
Google ratings
Mobile app or online portal for policy management
Choose providers with good customer satisfaction and easy-to-use digital tools.
How UAE Residents Can Use This Checklist Effectively
Both expats and UAE residents can use this checklist whenever:
Getting a new quote from a provider
Renewing offers
Evaluating policies from employer benefits or rental agencies
Make sure to print or save this list and tick off each section when reviewing insurance quotes. This way, you’re always comparing apples to apples.
Using this checklist can help prevent surprises later—like finding out your TV wasn’t covered or your insurer doesn’t respond on weekends.
Ready to Compare Home Insurance UAE Plans Easily?
Avoid the uncertainty of policy comparisons on trusted online portals like Shory Insurance. Get live quotes from the top UAE providers and develop and customize your policy in a few seconds—time and money saved.
If you are covering a luxury villa in Abu Dhabi or renting a flat in Sharjah, Shory helps you get the most trusted home insurance UAE citizens believe in.
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