Home insurance companies in UAE play a crucial role as residents face real risks in 2026. Property threats range from appliance fires and water leaks to theft and weather damage. These risks can strike without warning.
Dubai's homes showcase valuable possessions and premium fittings. Residents fill their spaces with electronics, furniture, jewelry, and custom smart-home systems. The best home insurance in Dubai protects these important investments. The UAE's insurance market features several trusted providers. GIG Gulf brings 70 years of unmatched experience, while Sukoon Insurance has built trust for over 40 years. ADNIC rounds out the top providers with budget-friendly policies that fit every need.
Dubai's bustling insurance market can feel overwhelming. Large insurance companies dominate the property sector here. They often struggle to provide personal service and quick responses. This piece highlights 8 trusted home insurance companies that will help you protect your home and belongings in 2026.
1. Shory Insurance
Shory is changing how home insurance works in Dubai with its tech-driven approach to property protection. This insurtech company, authorized and regulated by the Central Bank of the UAE, stands out by cutting out the usual hassles of getting insurance.
Shory Digital First Approach
Shory's digital-first philosophy changes how UAE residents get home insurance. You won't need to visit offices or deal with paperwork like traditional providers require. Their online system lets you get home contents insurance right from your couch.
Shory beats other home insurance companies with its speed and availability. I can get coverage right away through their website or mobile app any time I want. You can protect your property 24/7, whatever time you need it.
Their digital system removes common headaches like:
- Sales reps calling you unnecessarily
- Dealing with physical paperwork
- Long waits to activate your policy
The streamlined process gives you instant coverage once you pick your insurance option. This works great especially when you have a busy professional life or family commitments and want quick, easy home protection.
Shory's digital platform balances speed with a personal touch. Their customer support team is always ready to help you find the right insurance plan. Dubai residents get the best of both worlds - automated convenience and human help when needed.
Shory Pricing Transparency
Shory's approach to pricing clarity is a breath of fresh air. They've taken the mystery out of insurance shopping by showing clear comparisons from trusted UAE insurers.
They keep their prices competitive. Quality home contents insurance is available at various price points. More Dubai residents can now protect their valuables without breaking the bank.
On top of that, it offers payment plans that fit different financial needs. This flexibility shows they understand that everyone's payment needs and priorities are different.
The company's transparency goes beyond just prices. They skip the confusing insurance jargon that often trips up consumers and use clear, simple terms. This helps customers make smart choices about their home protection without getting lost in complex terms.
This clear pricing gives Shory an edge over other UAE home insurance providers. You can easily compare coverage options and costs side by side to find what works best for you.
Shory Key Features
Shory matches its home contents insurance to how people live in UAE. They offer three main types of home insurance based on whether you own or rent. You'll get the right coverage whether you're a homeowner or tenant.
Their protection covers many aspects of home contents, so Dubai residents can feel secure about their belongings. They work with respected insurers to back up this coverage.
Shory puts customers first throughout the insurance experience. This shows in several ways:
- Simple Process: Insurance can be tricky, so Shory has made every step of getting and keeping coverage easier. They keep things straightforward without cutting corners on protection.
- Broad Coverage: Their services reach across the UAE, making quality insurance available in Dubai, Abu Dhabi, Sharjah, and beyond.
- Shory holds an outstanding 4.9-star Google rating, reflecting consistently high customer satisfaction, fast digital policy issuance, transparent pricing, and a seamless online insurance experience in the UAE.
Shory doesn't stop at home contents insurance. They offer various insurance products if you have personal or business needs. Personal options include car insurance (both comprehensive and third-party liability), health insurance, and pet insurance. Business clients can get specialized protection plans through dedicated channels.
By combining digital ease, clear pricing, and detailed features, Shory stands out among Dubai's home insurance companies. They've revolutionized the usual insurance headaches while giving solid protection for homes.
2. Fedelity United
Fidelity United has grown into one of Dubai's most trusted home insurance companies. The company started its journey in the UAE back in 1976. Their specialized home insurance product, Manzil, gives complete protection designed for modern UAE households, reinforcing the company’s strong position in the UAE insurance market.
Fedelity Plan Overview
The "Manzil" home insurance plan from Fidelity United stands out because it's pre-packaged yet customizable. The plan combines affordable rates with extensive coverage options for contents and personal belongings. Homeowners can add building cover and domestic workers' personal accident coverage based on what they need.
Manzil brings multiple protection layers together under one policy. You won't need separate insurance policies for different parts of your home. The plan focuses on:
- Contents protection
- Accidental damage coverage
- Personal belongings security
- Building insurance (optional)
- Domestic helpers coverage (optional)
The contents coverage goes beyond simple protection. Dubai residents get several value-added benefits they might not expect from standard home insurance:
- Loss of rent or alternative accommodation costs
- Replacement of locks and keys
- Fatal injury benefit
- Spoilage of food in deep freezer
- Tenant's liability coverage
This makes Fidelity United a top choice among Dubai's home insurance providers. The Manzil plan comes with clear terms and conditions. You'll know exactly what your policy covers.
Fidelity United personal belongings coverage
Manzil insurance shines with its resilient personal belongings coverage. Your items stay protected both inside and outside your home. This matters because contents insurance usually only covers items inside your residence.
The personal belongings section covers:
- Valuables and Portable Equipment - Your valuable items stay protected outside your home. This includes electronics like phones, tablets, laptops, and cameras. You also get coverage for jewelry, watches, bags, wallets, personal accessories, and even sports equipment and musical instruments for personal use.
- Personal Money and Credit Cards - You get financial protection if your money is lost or stolen. Credit cards stay insured against unauthorized use after loss or theft. You just need to notify the card company quickly and follow their terms.
- Important Documents - The plan covers lost critical documents including passport, residence permit, work permit, and driving licenses.
Many people mix up contents coverage with personal belongings protection. Contents coverage protects items in your home. Personal belongings coverage extends to items you carry—phones, jewelry, watches, laptops—whether you're at work, the gym, a café, or traveling abroad.
To cite an instance, your phone drops in a parking lot or someone steals your smartwatch from your bag at a coffee shop. Fidelity's personal belongings coverage helps replace these items. Dubai residents who often carry valuable items outside get great peace of mind.
All the same, some things aren't covered under personal belongings coverage. Items damaged through normal wear and tear, carelessness, business use, mechanical breakdowns, or high-value items not declared might have coverage limits or no coverage at all.
3. ADNTC
Abu Dhabi National Takaful Company (ADNTC) has been a groundbreaking force in the UAE insurance landscape for over 20 years. They specialize in Sharia-compliant protection solutions that work well for both homeowners and renters. The company started in November 2003 and got listed on the Abu Dhabi Securities Exchange (ADX). Now they have their main office in Abu Dhabi and branches in Al Ain and Dubai.
ADNTC Plan Types
ADNTC stands out because of its Islamic insurance model that follows Sharia principles. A dedicated Sharia Board watches over the company's operations and investments. These scholars bring years of experience in investment, economics, and Islamic finance. This arrangement helps them create home protection offerings that meet religious requirements without cutting corners on coverage.
The company's home insurance portfolio has several plan types that fit different property protection needs. Their Takaful plans offer complete coverage that goes beyond basic protection. You get detailed protection for both your building structure and personal items.
- They have plans ready for homeowners and tenants that cover:
- Building coverage for homeowners seeking structural protection
- Contents coverage for valuable possessions within the home
- Combined plans that integrate both structural and contents protection
The sort of thing I love about ADNTC's home Takaful is their specialized coverage options that you won't find with regular insurers. You can adjust their policies to protect high-value items and get proper compensation if something goes wrong. Dubai residents with premium home furnishings and valuable collections find this feature particularly useful.
ADNTC Special Benefits
ADNTC really shines in Dubai's competitive home insurance market because of their unique benefits. They have a mutually beneficial alliance with Fazaa that gives cardholders and their families up to 20% off on home Takaful insurance when they buy directly. This makes quality home protection more affordable for many UAE residents.
Their home Takaful protects several vital areas that help you sleep better at night:
- Temporary Housing Coverage: Your policy covers alternative accommodations if a covered event makes your home unlivable. You won't have to worry about finding emergency housing while repairs happen.
- Extended Personal Items Protection: ADNTC knows valuable items don't always stay at home. They protect personal belongings against theft or damage whether they're in your house or not. This really helps Dubai residents who travel with expensive electronics, jewelry, or other valuable items.
- Renter's Protection: Tenants get coverage for any accidental damage they might cause to rental properties. This helps protect security deposits and keeps landlord relationships smooth - something Dubai's large expatriate renting community appreciates.
ADNTC also makes everything easy to access online. They simplified their claims process so you can file claims with just a few clicks. This helps reduce stress when you're dealing with property damage or loss.
4. Insurance House
Insurance House started in 2011 and quickly became a customer-focused provider of detailed home protection solutions across the UAE. This subsidiary of Finance House Group provides innovative coverage options to protect properties and possessions from unexpected events.
Insurance House Key Features
Insurance House stands out among Dubai's household insurance providers with its flexible protection plans. Their home insurance policies protect properties from fire, theft, water damage, and natural disasters. These plans work well for different living situations in Dubai's residential areas.
The company's commitment to customization sets them apart. Clients can pick exactly what coverage they need without paying for extras they don't want. Their personalized plans include:
- Building insurance to protect structures
- Contents coverage for personal belongings
- Personal liability insurance against third-party claims
Insurance House runs a 24/7 customer support line that helps policyholders whenever they need it. This service is a great way to get help during emergencies.
The company keeps prices affordable without cutting corners on quality. No matter which plan you choose, Insurance House maintains economical rates. They balance detailed protection with cost-effectiveness to help more Dubai residents get quality coverage.
Insurance House Home Benefits
The home insurance policies protect Dubai properties from wall to wall. Their coverage protects valuable items like jewelry and other precious possessions inside homes. Your most valuable belongings get the protection they need.
Golden Visa holders get special discounts on home insurance policies. These rates add value for long-term residents who have invested heavily in UAE properties. The company understands different customer groups and what they need.
One standout feature is their contents protection. It covers losses or damages to household items inside your home. Both standard household goods and special items get detailed protection for different property types.
Insurance House Claims Assistance
The claims process at Insurance House uses three simple steps. First, tell the insurance provider about the incident right away. This quick notification lets them start helping you immediately.
Next, gather these required documents:
- Police report (for theft cases)
- Home insurance policy documentation
- Completed insurance claim form
- Detailed statement about the incident
After submitting paperwork, wait for the team to process your claim. Insurance House keeps you updated about progress and any extra information they need.
Their support team guides you through each step of the claims process. This helps reduce stress, especially for first-time claimants or those with major property damage.
Insurance House suggests taking photos of damaged items and keeping receipts. This evidence helps prove ownership and damage extent. Their adjusters use this to make fair assessments.
Key Takeaways
Dubai's home insurance landscape offers diverse options from digital innovators to established traditional providers, each with unique strengths for protecting your property and belongings.
- Digital convenience leads the way: Shory Insurance revolutionizes home insurance with 24/7 instant online coverage, eliminating paperwork and office visits for busy Dubai residents.
- Experience matters for complex claims: Fidelity United's 40+ years of expertise and comprehensive Manzil plan provide extensive coverage including personal belongings protection outside the home.
- Sharia-compliant options available: ADNTC offers Islamic insurance principles with A- excellent ratings, plus up to 20% Fazaa discounts for qualifying customers.
- Customization prevents overpaying: Insurance House allows flexible plan selection so you only pay for needed coverage, with special discounts for Golden Visa holders.
- Claims support varies significantly: Look for providers offering 24/7 assistance, professional claims teams, and streamlined digital processes to minimize stress during emergencies.
When selecting home insurance in Dubai, prioritize providers that match your lifestyle preferences—whether you value digital convenience, traditional expertise, religious compliance, or cost flexibility. The right choice depends on your specific needs, property type, and preferred customer service approach.
