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    COMPARE HOME INSURANCE WITH ALFRED

    Your beautiful home is not complete if the building, furnishings and valuables are not insured. When you’ve put in so much time, effort and money to make it your ‘home’, it’s only fair Alfred’s personal shoppers help you pick the best policy!

    OUR HOME INSURANCE PARTNERS

    One size does not fit all. We work with the Leading Home Insurance companies in the UAE to tailor the right policy for you.

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    ALFRED'S HEARTFELT PROMISE

    Best-Possible

    Best Possible Value For Your Money

    Only-Comparison

    Only The Most Reliable Insurance Companies

    Passionate-claims

    Passionate Dedication To Claims Service

    Personal-shopper

    Your Own Personal Shopper To Help You Choose

    PROTECT YOUR HOME WITH ALFRED

    Home Insurance covers building, contents and personal belongings

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    Building

    Includes apartments as well as villas.

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    Contents

    Include household goods like furniture, appliances, TV, carpets, etc.

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    Personal belongings

    Include items like your phone, jewellery, mobile phones, laptops, other portable electronic devices.

    HOW DO HOME POLICIES DIFFER?

    Before purchasing a policy, remember that your dedicated personal shopper can help the differences.

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    Owner's Liability to the Public

    As an owner, you are covered in case of accidental injury to a person or damage to a property.

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    Single Article Limits

    The Contents and Personal Belongings above a specific value have to be listed on the policy.

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    Tenant's Liability

    As a tenant, you are covered for any accidental damage to your landlord’s property.

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    Excess or Deductibles

    In the event of a claim, this would be the amount to be shouldered by you.

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    Loss of Rent or Alternative Accommodation

    Whether you are a landlord or tenant, you can claim up to the specified limits of your policy under this benefit.

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    Artwork or paintings

    In case you are an avid collector of expensive types of art, you may be recommended a more comprehensive option.

    HELPFUL INFORMATION TO GET YOU STARTED

    If you’ve never taken up home insurance, the decision might be an overwhelming one.
    Alfred’s here to help you understand the basics

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    As an owner/landlord

    You can insure your Building, Contents and Personal Belongings. Or you can opt to insure your building only (mortgage purposes) or just your Contents and Personal Belongings.

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    As a tenant

    You can decide to insure your Home Contents and your Personal Belongings. Or even just only your Contents.

    HERE'S HOW YOU CAN DETERMINE THE VALUE

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    BUILDING VALUE (VILLA/ APARTMENT)

    When filling up the form, always value your building based on the re-building cost as insurance companies use this value at the time of a claim. The re-building cost is always lower than the purchase or market price of the property, so pricing at the re-building cost also means you pay a lesser premium.

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    CONTENTS VALUE

    Contents are items found inside your home and are typically ‘immovable’ objects such as your dining table, cabinet, bed and kitchen appliances. Even if you don’t have the exact costs, you can give an approximate value of all the contents in your house.

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    PERSONAL BELONGINGS

    Don’t forget that when valuing your personal belongings these are valuables that you carry with you such as your laptop, jewellery, watches and even clothes. Did you know that these are even covered worldwide? Wherever you are, in fact.
    ​Again, don’t fret over not knowing the exact value as an approximate would do for a quote.

    HOME INSURANCE DOES NOT COVER THE FOLLOWING

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    Mysterious Disappearances

    Are unexplained losses which are a no-no. Always keep a check on your valuable items or else immediately report the loss to the police.

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    Unoccupied Home

    Is an apartment or a villa left unoccupied for more than 60 consecutive days.

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    Damage by Consent

    Are damages in your home caused by anyone who enters your home with your consent or the consent of your household.

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    War or Civil Commotion

    Is any damage caused by riots, civil commotion, strikes or political disturbances.

    GET HOME INSURANCE

    PROTECT YOUR MOST VALUABLE ASSETS

    We’ll email your customized quote to save your time and money

    HERE'S WHAT OUR CUSTOMERS ARE SAYING

    SOME FREQUENTLY ASKED QUESTIONS

    Read Alfred’s advice and insight on some asked questions.

    Want to know more about the home policies and covers?

    Alfred really likes to deal with the big multinationals for home insurance…
    Read More

    Want to know more about the home exclusions?

    We only sell contents or buildings insurance we believe to be thorough, well designed and will not cause problems in case of claim…
    Read More

    Who is home insurance for?

    The common misunderstanding of home insurance is that only individuals who own their apartment or villa, owners, can purchase this type of insurance. This isn’t true at all, as individuals who rent an apartment or villa, tenants, can also purchase a home insurance…
    Read More

    What main factors affect premiums?

    Claims

    If you’ve had home insurance claims in the past, this would most likely affect your quote though it does still depend on the gravity of the claim and how long ago it had happened. If the claim was a relatively small amount, insurers will sometimes not load (increase) the premium…
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    What is under insurance? (What NOT to do.)

    Under insurance is when the overall value of the things you own or the total sum insured is significantly lower than the actual value. For example, it’s valuing your contents’ sum insured as AED 150,000 when it should actually be valued at AED 300,000 …
    Read More

    What are the main liabilities I am covered for under home insurance?

    Owner’s liability to the public covers you as the building owner for any accidental injury or damage to a third party person or property that had started in your own property…
    Read More

    PAYMENT OPTIONS FOR HOME INSURANCE

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    Credit Card

    Bank_transfer

    Bank Transfer

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    Cash

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    Cheque

    GET HOME INSURANCE

    PROTECT YOUR MOST VALUABLE ASSETS

    Home Insurance has a lot of benefits and doesn’t have to be expensive either.
    Get the most competitive one through Alfred!