HOME & PROPERTY INSURANCE
Protect your biggest investment.
Comprehensive buildings, contents and landlord insurance for villas, apartments, townhouses and commercial property across the UAE.
Buildings Insurance
Cover for the physical structure of your property including walls, roof, floors, fitted kitchens and permanent fixtures — against fire, flood, subsidence, vandalism and accidental damage.
Contents Insurance
Protection for your household possessions — furniture, electronics, jewellery, clothing and valuables — against theft, fire, water damage and accidental breakage, both at home and temporarily away.
Landlord Insurance
Specialist cover for UAE investment property owners — including buildings, loss of rental income, landlord liability, malicious damage by tenants and legal expenses cover.
Commercial Property
Office, retail, warehouse and industrial property cover including business contents, business interruption, public liability and employer's liability — structured for UAE commercial tenants and owners.
Cover that goes the distance.
Home cover in four steps.
Tell Us About Your Property
Share details about your property — type, size, location, ownership status and approximate value of buildings and contents. The more detail you provide, the more accurate your quote.
We Source Options
We compare buildings, contents and combined policies from our panel of UAE-approved home insurers, identifying the best coverage options at competitive premiums.
Policy Issued
Once you confirm your choice, we issue your policy documentation promptly. Cover is typically effective from the date of your choice, subject to payment confirmation.
Claims Support
If you suffer a loss, our claims team guides you through the process — from lodging the claim to liaising with loss adjusters and following up on settlement.
Common questions about property cover in the UAE.
Home insurance is not legally mandatory for tenants in the UAE, but it is strongly recommended — and many UAE mortgage providers require buildings insurance as a condition of the mortgage. Landlords are not legally required to insure contents, but buildings insurance and landlord liability cover are considered essential best practice.
As a tenant, you are not responsible for the building but you are responsible for your own belongings. Contents insurance covers your furniture, electronics, clothing, jewellery and other personal items against fire, theft, water damage and accidental damage. Given the cost of replacing household goods, contents insurance offers excellent value for UAE tenants.
Some UAE home insurance policies include domestic helper cover as a standard feature, while others offer it as an optional add-on. This typically covers accidental damage caused by domestic staff, and sometimes extends to include their personal accident and liability cover. We identify the most suitable option for your household.
Yes. Landlord policies are specifically designed for investment properties that are rented to tenants, while holiday home policies cover properties used occasionally. The policy terms will differ from a standard owner-occupied home policy, reflecting the different risk profile. Please inform us of the property's occupancy status when requesting a quote.
Protect your home today.
Buildings, contents or landlord cover — Gulf Oasis finds the right home insurance policy from the UAE's leading insurers at a competitive premium.