Protect your home. Protect your world.
Home insurance, simplified with Alfred.
Your home is more than walls and a roof, it holds your life and memories. Protect it from fire, water damage, storms, theft, riots and more with Alfred's Home Insurance. Get tailored cover for building, contents and belongings in a few clicks.
Rating 4.8/5
from 30,000+ reviews
Trusted by
200,000+ policyholders
We have over 30 years
of UAE Insurance experience
Partnered with over
40 Insurance companies
Exclusive premium membership
access on the myAlfred app
What is Home insurance?
Home insurance is your financial safety net for life's unexpected moments. It protects your home and belongings against risks like fire, explosion, water damage, storms, theft, riots, and accidental impact.
Home insurance in the UAE, covers your building, home contents, and personal belongings, with added protection options like temporary accommodation, domestic helpers cover and more.
Key Features and Benefits of Home Insurance
Flexible cover: Buildings, contents & Personal Belongings
Water damage from burst pipes, tanks & fixed systems
Theft cover after forced or violent entry
Domestic helpers cover
Fire, storm, flood, lightning, explosion & impact damage cover
Worldwide cover for jewellery, watches, collectibles and valuables
Liability cover for owners, tenants & occupiers
Alternative accommodation or loss of rent after insured events
Declare Your Valuables!
High-value items such as jewellery, luxury watches, designer pieces, and fine art must be declared in your policy to ensure full protection.
Trusted Home Insurance Protection
We have insured properties valued over
50 billion +
Helping homeowners recover from unexpected insured events, including fire, water damage, theft, accidental damage, storms, floods, and other covered risks.
Join homeowners who trust us to protect their homes with reliable cover, expert support, and a smooth insurance journey.
100%
Claims enquiries assisted or resolved
24/7
Available customer support
Fast & Hassle-free
Support at every step
Let's Explore What Home Insurance Really Covers
| Aspect | Buildings Insurance | Contents Insurance | Personal Belongings Insurance |
|---|---|---|---|
 What it covers | The physical structure of your home, including walls, roof, floors, built-in fixtures, garages, terraces, driveways, boundary walls, and fences. | Household items inside your home, such as furniture, appliances, electronics, carpets, curtains, decor, artwork, and collectibles. | Items you carry, like watches, money, passport, jewellery, bags, clothing, and other portable valuables. |
 Who it is for | Homeowners and landlords who own the property (Villas or Apartments). | Homeowners and tenants who want to protect the items inside their home. | Homeowners and tenants who want cover for selected valuables inside and outside the home. |
 Risks covered | Damage to the structure caused by events such as fire, explosion, lightning, storms, floods, impact, riots, and malicious damage. | Covers risks such as fire, water damage, theft, storms, and accidental damage to items inside your home. | Accidental loss, damage, or theft of specified personal items, including when carried outside the home or while travelling. |
 Additional benefits | May include fixed pipes and cables, sanitary fixtures, fixed glass, alternative accommodation, loss of rent, and liability cover. | May include temporary removal of contents, replacement locks and keys, freezer food spoilage, visitors’ belongings. | May include worldwide cover for declared high-value items such as jewelry, watches, designer items, electronics, collectibles, and sports equipment. |
 Limits & declarations | Cover should reflect the full rebuilding cost of the property, not the current market value. | A Single Article Limit (SAL) may apply. For example, items valued above 10,000 should be declared separately. | Specified items and high-value belongings usually need to be declared individually, with supporting documents where required. |
What it covers
The physical structure of your home, including walls, roof, floors, built-in fixtures, garages, terraces, driveways, boundary walls, and fences.
Who it is for
Homeowners and landlords who own the property (Villas or Apartments).
Risks covered
Damage to the structure caused by events such as fire, explosion, lightning, storms, floods, impact, riots, and malicious damage.
Additional benefits
May include fixed pipes and cables, sanitary fixtures, fixed glass, alternative accommodation, loss of rent, and liability cover.
Limits & declarations
Cover should reflect the full rebuilding cost of the property, not the current market value.
Additional Home Insurance Benefits
Some policies include extra benefits that help with temporary living costs, emergency repairs, legal support, and protection for selected items.
Alternative Accommodation
Temporary accommodation or loss of rent cover if your home becomes unfit to live in after an insured event.
Domestic Helper Cover
Cover for eligible expenses related to resident domestic helpers, subject to policy terms.
Freezer Food Spoilage
Cover for spoiled freezer food caused by sudden power failure or appliance breakdown.
Temporary Removal of Contents
Cover for insured contents temporarily moved for cleaning, repair, storage, or relocation.
Outdoor Contents Cover
Cover for selected items kept within your property boundary, such as garden furniture or outdoor equipment.
Keys and Locks
Cover for replacing locks and keys following theft, loss, or an attempted break-in.
Home Emergency Assistance
Access to emergency home repair services following unexpected plumbing, electrical, air conditioning, or similar household emergencies.
Legal Assistance
Support for eligible legal expenses arising from covered home insurance claims or disputes.
We Work With Leading Home Insurers In The UAE
With over 30 years of insurance experience, InsuranceMarket.ae has built trusted partnerships with some of the UAE’s leading home insurance providers, including GIG Gulf, Sukoon, Qatar Insurance Company (QIC), Liva, Emirates Insurance, Tokio Marine, and many more. These long-standing relationships allow us to offer competitive prices, exclusive benefits, and comprehensive home insurance cover tailored to your needs.
Why Choose Home Insurance In The UAE With InsuranceMarket.ae
At InsuranceMarket.ae, we firmly believe we provide an unmatched 360° customer experience.
Top Rated Insurance Platform
30,000+ Google reviews and a 4.8 rating, backed by decades of trusted UAE insurance experience.
Reliable Claims Support
Responsive claims support and expert guidance whenever you need help with your home insurance claim.
Dedicated Insurance Advisors
Experienced advisors help you choose the right home cover with confidence at every step.
Rewards & Added Value
Enjoy myAlfred rewards, discounts, partner perks and added value throughout the year.
Best Pricing & Trusted Insurers
Competitive prices from leading insurers including GIG, Sukoon, LIVA, QIC, DNI, Watania and more.
Home Insurance That Rewards You Beyond Protection
Your home insurance does more than help protect your property and belongings. It also unlocks exclusive myAlfred rewards across home services, maintenance, cleaning, wellness and lifestyle partners across the UAE.
Exclusive partner offers
Earn AlfredCoins with every home insurance purchase
Redeem Across myAlfred Services
Exclusive myAlfred Partner Rewards
What Our Customers Say About Us
Rating 4.8/5
from 30,000+ reviewsfrom 30k+ reviews
Jonathan Frost
Have used AFIA for the first time recently to renew some insurance policies. Recently I submitted a claim which, as usual, the insurer tried to wriggle out of paying. Gloria Hurboda at AFIA was an absolute superstar and managed to get my claim approved in full and paid out in record time. Extremely efficient service and professionally managed. Will now be giving them ALL my insurance business. Highly recommend these guys...
Home Insurance Guides
Home Insurance: Frequently Asked Questions
What Is Home Insurance In The UAE?
Home insurance in the UAE is a financial protection policy that safeguards your home, its contents, and personal belongings against unexpected events such as fire, theft, water damage, storms, and other covered risks (subject to policy terms).
Is Home Insurance Mandatory In The UAE?
Who Should Buy Home Insurance In The UAE?
What Does A Home Insurance Policy Cover In The UAE?
What Home Insurance Covers Are Available In The UAE?
