Provides coverage against sudden and unexpected physical damage to your insured property, such as accidentally breaking a fixture or damaging furniture. It does not include wear and tear, gradual deterioration, mechanical or electrical breakdown, faulty workmanship, or damage occurring when the home is unoccupied for more than 30 consecutive days.
If your home becomes uninhabitable due to an insured loss, we will cover the reasonable cost of temporary accommodation while repairs are being completed. Coverage is available for up to three months, up to 25% of the Contents Sum Insured, and in line with your selected plan limits (for example, AED 1,500 per day for up to 21 days, where applicable).
We cover loss or damage to household goods, furniture, electronics, appliances, and personal effects inside your home caused by insured perils such as fire, storm, water escape, theft (subject to forcible and violent entry), and accidental damage.
Coverage remains valid during temporary unoccupancy of up to 30 consecutive days, subject to policy terms and conditions.
Provides compensation in the event of Death or Permanent Total Disablement of your domestic helper while employed at your home, with coverage up to AED 30,000 depending on the selected plan, plus repatriation expenses of AED 3,000 (all subject to policy terms, conditions, limits, and exclusions stated in the policy schedule).
Compensation is available for food spoiled due to an unexpected change in temperature or the escape of refrigerant from your refrigerator or freezer. Benefits are subject to your selected plan limits, up to AED 3,000 depending on the plan.
Personal belongings owned by you and your family members are covered against insured losses, providing reliable coverage both at home and abroad. Worldwide protection applies to your personal items, with coverage extending outside the UAE for up to 90 days.
Covers the cost of replacing locks and keys if they are lost or stolen, helping you maintain the security of your home. A police report must be submitted within 7 days, and benefits are subject to policy limits.QZ
Theft coverage applies in cases of theft or attempted theft where there is clear evidence of forcible and violent entry into or exit from your home. A police report must be obtained and submitted within 7 days of the incident. This does not apply to mysterious disappearance, losses that are not reported to the police, or incidents occurring while the home has been unoccupied for more than 30 consecutive days.
Covers damage resulting from the escape of water or oil from fixed domestic systems, including the bursting or overflowing of tanks and pipes. The coverage is subject to a 30-day occupancy condition and standard policy exclusions. The repair or replacement of the faulty component itself is not covered.
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