HOME INSURANCE IN DUBAI AND UAE

GIG Gulf's comprehensive home insurance, Home Comfort, protects your building against fire, forceable theft, and natural disasters and covers personal belongings. It also includes liability covers and options for domestic helper insurance. Read our terms and conditions to find out more.

'Buildings insurance' covers the structure of your home (the walls, roof, and floors) and its fixtures, while 'contents insurance' protects the personal belongings and furniture inside the home. GIG Gulf offers both types of cover, allowing homeowners to secure the physical structure of their property and the items within.

While home insurance isn't legally mandatory anywhere in the UAE, it's highly recommended. Many mortgage lenders do require a form of property insurance for the duration of the mortgage.

The cost of Home Insurance premium will be determined depending on the sum insured.

Yes, GIG Gulf provides worldwide personal belongings cover, which can include high-value items. However, declaring these items when taking out your policy is crucial to ensure they are fully covered.

This is a unique feature of GIG Gulf's policy, covering items typically found outside the confines of the home but within your private premises, such as garden furniture or outdoor equipment. Terms apply.

GIG Gulf’s policies cover a range of events, including certain natural disasters. Specifics can vary, so it's essential to read your policy documents to understand the extent of coverage.

You can initiate a claim by calling 800 292, visiting the GIG Gulf website.. Customer service representatives are available 24/7 to guide you through the process.

Yes, if your home is rendered uninhabitable due to a covered event, GIG Gulf's policy includes the cost of alternative accommodation while your home undergoes essential repairs.

Accidental damage refers to unintentional one-off incidents that harm your property or its contents, such as spilling paint on a carpet or breaking a window.

We’re sure you will be delighted with your policy, but if you want to cancel, you can. GIG Gulf allows policy cancellation with a 30-day notice, subject to an administration fee of AED 50. Any return of premium for the unexpired period of insurance is subject to the policy's terms and conditions.

Generally, mould damage caused by preventable water leakage, humidity, or poor ventilation is not covered.

Foundation repairs are typically covered if a covered risk, such as an earthquake or an accidental water leak, causes the damage. However, age-related damages, general wear and tear, or neglected maintenance are not usually covered. It's advisable to check your policy details for the specifics of what's included.

Home insurance policies often cover AC units in cases of damage from covered events like fire, vandalism, or theft. However, malfunctions or damages resulting from wear and tear or lack of maintenance might not be covered. For detailed information, consult your specific policy documents.

Generally, home insurance covers sudden and unforeseen plumbing issues, such as burst pipes. Routine maintenance, slow leaks, or issues arising from wear and tear are typically not covered. It’s important to address minor plumbing issues before they become more significant problems that your insurance policy might not cover.

Generally, the core principles of home insurance remain consistent whether you are in Dubai, Abu Dhabi, or any other emirate. However, the specifics of a policy, including costs, can vary due to factors like differences in property value, construction types, and local regulations. As GIG Gulf