Building vs contents
Building coverage protects physical structures, while contents cover furniture and equipment.
Property Insurance Providers in Dubai
Compare building insurance, landlord liability and tenant contents coverage across top providers in Dubai.
What owners should compare first
Ensure your property is protected against fire, water damage, third-party liability and loss of rent before choosing a plan.
Loss of rent coverage
Protects income if the property becomes uninhabitable due to covered insured damage.
Third-party liability
Covers legal liability for accidental property damage or bodily injury to tenants/visitors.
Deductibles and excess
Check the out-of-pocket amount required per claim prior to policy activation.
Compare insurance agents and brokers in Dubai
Agents and brokers may help compare policies from different providers. Compare service scope, policy access and support during the application process.
| Insurance Broker | Companies | Languages | Contacts | Details |
|---|---|---|---|---|
| Insurance Broker: C. Narasimha Chary | Companies: UAE + international insurance markets | Languages: EN | Contacts: +971 54 383 9567 | Details: Learn more |
| Insurance Broker: Iyad Hijazi | Companies: UAE + international insurance markets | Languages: EN | Contacts: +971 50 632 6711 | Details: Learn more |
| Insurance Broker: Maya Taha Gazal | Companies: 40+ UAE & international insurers incl. AIG, Allianz, Dubai Insurance, Emirates Insurance, GIG, Liva, Orient, QIC, Sukoon, Tokio Marine and others | Languages: EN | Contacts: +971 50 183 2302 | Details: Learn more |
| Insurance Broker: Jithin Babu Thekkuveettil | Companies: 35+ insurers, including all Tier 1 insurers | Languages: EN | Contacts: +971 56 864 5852 | Details: Learn more |
| Insurance Broker: James Phillips | Companies: Access to 400+ global insurance markets | Languages: EN | Contacts: +971 50 106 2191 | Details: Learn more |
Compare insurance companies in Dubai
Insurance companies provide the actual policy and claims process. Compare coverage options, exclusions, rental compatibility and claim-related conditions.
| Insurance Company | Insurance Types | Website | Contacts | Details |
|---|---|---|---|---|
| Insurance Company: GIG Gulf | Insurance Types: Buildings, Contents, Personal Belongings, Legal Liability, Alternative Accommodation | Website: www.giggulf.ae | Contacts: +971 4 507 4085 | Details: Learn more |
| Insurance Company: Watania Takaful | Insurance Types: Home Takaful, Property Takaful, Buildings, Contents, Business Property | Website: www.watania.ae | Contacts: 800 928 2642 | Details: Learn more |
| Insurance Company: Emirates Insurance Company (EIC) | Insurance Types: Property All Risks, Fire & Allied Perils, Business Interruption, Terrorism & Sabotage, Political Violence | Website: eminsco.com | Contacts: 800 98 | Details: Learn more |
| Insurance Company: Sukoon Insurance | Insurance Types: Home Umbrella, Buildings, Contents, Personal Belongings, Tenant's Liability, Alternative Accommodation / Loss of Rent, Emergency Home Assistance | Website: www.sukoon.com/home-insurance | Contacts: 800 1642 | Details: Learn more |
| Insurance Company: Orient Insurance PJSC | Insurance Types: Home Insurance, Property Insurance, Fire & Allied Perils, Property Damage, Business Interruption | Website: www.insuranceuae.com | Contacts: +971 4 253 1300 | Details: Learn more |
| Insurance Company: Qatar Insurance Company (QIC) | Insurance Types: Home Owners / Home Tenant's All Risk, Buildings, Contents, Personal Belongings, Liability, Alternative Accommodation, Domestic Helpers | Website: qicuae.com/insurance/home-content-insurance | Contacts: +971 4 222 4045 | Details: Learn more |
| Insurance Company: Abu Dhabi National Insurance Company (ADNIC) | Insurance Types: Home Insurance, Buildings including Apartments, Contents, Personal Belongings, Tenant's Liability | Website: adnic.ae/home-insurance | Contacts: +971 4 515 4850 | Details: Learn more |
| Insurance Company: Dubai Insurance Company (DIN) | Insurance Types: Home Insurance, Property Insurance, Fire / Property Damage, Business Interruption | Website: www.dubins.ae | Contacts: +971 4 269 3030 | Details: Learn more |
| Insurance Company: Tokio Marine & Nichido Fire Insurance Co. Ltd. | Insurance Types: Home Insurance, Buildings, Contents, Liability, Domestic Servants, Loss of Rent / Alternative Accommodation | Website: www.tmnf.ae | Contacts: +971 4 350 2777 | Details: Learn more |
| Insurance Company: Liva Insurance | Insurance Types: Home Insurance, Buildings, Contents, Personal Possessions, Water Damage, Home Claims | Website: www.livainsurance.ae | Contacts: +971 4 302 9835 | Details: Learn more |
| Insurance Company: National General Insurance | Insurance Types: Home Insurance, Buildings, Home Contents, High-value Jewellery, Alternative Accommodation, Public Liability | Website: ngi.ae/individual/home-insurance | Contacts: +971 4 211 5800 | Details: Learn more |
How to read these tables
This page lists property insurance brokers and direct underwriting companies. Compare coverage scope, claim assistance and excess conditions before purchasing a policy.
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Furnished vs unfurnished
Furnished rentals require higher contents limits and tenant liability terms.
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Claim settlement track record
Review insurer reputation for turnaround time during emergency water or fire repairs.
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Policy exclusions
Always check standard exclusions such as wear-and-tear or gradual leak damage.
Helpful context
- Building structure - Insurance covering permanent walls, fixtures, pipes and structural elements.
- Contents coverage - Protection for movable items like furniture, electronics and appliances.
- Landlord liability - Protection against legal claims arising from property hazards affecting tenants.
- Deductible (Excess) - The fixed sum paid by the owner before insurance coverage kicks in.
Read before you decide
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Frequently asked questions
Building insurance is mandatory if the property is mortgaged. For unencumbered properties, insurance is highly recommended to mitigate water leak and fire risks.
Master community charges usually cover common area building insurance, but do not cover damage inside your individual unit or tenant liability.
Claims are submitted with photos, police reports (if applicable) and repair estimates, followed by loss adjuster evaluation and claim payout.
