Top 10 Insurance Brokers in Dubai (2025) for Home Insurance & Contents Insurance
The Tiger Building fire in Dubai Marina sent shockwaves through the city, serving as a stark reminder: property disasters can strike without warning. Whether it’s a building fire, burst pipe flooding your apartment, or unexpected damage, uninsured Dubai residents have lost thousands of dirhams overnight. With home insurance in Dubai, you’re protected. Without it? You could face significant financial loss.
Whether you need building insurance, contents insurance, or comprehensive home insurance in Dubai, having a reliable insurance broker can make all the difference. This guide explains the difference between building insurance, contents insurance, and how to choose the right insurance broker in Dubai, ranked by Google reviews.
What Is Home Insurance in Dubai?
Home insurance in Dubai covers damage or loss to your property and belongings. Policies are usually split into:
- Building insurance – covers the structure of your property
- Contents insurance – covers personal belongings inside your home
- Comprehensive home insurance – includes both
Nobody gets excited about house insurance until they need it. But in a country where summer temperatures can soar to 50°C and floods can wreak havoc, having the right coverage isn’t just smart – it’s essential.
Difference Between Building Insurance & Content Insurance
Building Insurance
This protects the physical structure of your home:
- Walls, floors, ceilings
- Built-in fixtures and fittings
- Permanent installations
- Essential building system (Plumbing and electrical systems)
Why it matters: Building insurance stands as your first line of defense. Environmental factors like floods and extreme heat (causing fire) can impact building integrity, which can cost a lot to repair.
Here’s something that may surprise you: older properties often command higher insurance premiums. Why? The risk factors increase with:
- Aging structural components
- Higher maintenance requirements
- Greater susceptibility to damage
- Increased replacement costs
Contents Insurance
This protects the items inside of your home, such as damage or loss for:
- High-end furniture
- Electronic devices
- Designer clothing
- Precious jewellery
- Valuable collectibles
Remember: Household insurance comes with specific limits and exclusions. Always check about coverage limits for high-value items.
How Much Does Home Insurance in Dubai Cost?
On average, you will pay between 0.1% to 0.5% of your home’s value each year.
| Insurance Type | Estimated Premium (Annual) |
|---|---|
| Building Insurance | ~0.5% of rebuild value |
| Personal Belonging | ~1% of the total personal belonging value |
| Contents Insurance | ~0.75% of the total contents value |
Other Types of Home Insurance Policies in Dubai
Here are some often-overlooked coverages that can be invaluable:
1. Apartment Insurance
- Tailored for apartment living owners
- Covers both building and contents insurance
2. Landlord Insurance
- Covers tenant-caused damages
- Coverage for rental income loss
- Liability protection
- Building insurance elements
3. Additional Living Expenses Insurance
If your home becomes temporarily uninhabitable. This coverage:
- Pays for hotel stays
- Covers temporary rental costs and additional living expenses
- Ensure minimal disruption to your lifestyle
4. Medical Payments to Others
- Covers costs if visitors is injured on your property
- Legal protection is needed
- Property-related lawsuits arise
How to Choose the Right Home Insurance Policy in Dubai
When selecting a policy, evaluate what is and isn’t covered.
What’s Usually Excluded:
Most home insurance policies in Dubai typically include:
- Natural disasters and weather-related damage
- Fire and smoke damage
- Water damage from plumbing issues
- Theft and vandalism
- Third-party liability
What’s Usually Excluded:
Common exclusions in UAE home insurance include:
- Certain types of natural disasters
- Mechanical or electrical breakdowns
- Damage from pest infestations
- War or terrorism-related incidents
Tip: Always read the fine print, especially on coverage limits and exclusions.
How to Choose the Right Home Insurance Broker in Dubai
With over hundreds of options in Dubai, how do you choose the right one?
Look for a broker who:
- Has solid connections with big insurers
- Has good reviews and social proof from actual clients
- Can help you compare different options so you don’t have to
- Can advise the right amount of coverage
- Will deliver at time of claim (this is the most important)
To simplify your search, we’ve compiled a list of the top 10 insurance brokers in Dubai. They stand out for their high customer satisfaction and large number of positive reviews.
Top 10 Insurance Brokers in Dubai (Ranked by Google Reviews 2025)
| Insurance Broker | Google Reviews* | |
|---|---|---|
| 1 | Policybazaar.ae | 4.6 (28,402 Reviews) |
| 2 | Insurancemarket.ae | 4.8 (26,007 Reviews) |
| 3 | Yallacompare.com | 4.5 (4,706 Reviews) |
| 4 | Earnest Insurance Broker | 4.9 (1,856 Reviews) |
| 5 | Gargash Insurance Services | 4.8 (1,944 Reviews) |
| 6 | Nexus Insurance Brokers | 4.7 (573 Reviews) |
| 7 | Insurancepolicy.ae | 5.0 (468 Reviews) |
| 8 | Platinum Insurance Broker | 4.8 (518 Reviews) |
| 9 | Petra Insurance Broker | 4.9 (423 Reviews) |
| 10 | Interactive Insurance Broker | 4.6 (161 Reviews) |
Checklist Before You Buy Home Insurance
Whether you’re a first-time homeowner or looking to switch providers, here’s what to do:
- List your valuable items
- Check if your building already has some coverage
- Decide which coverage you will need
- Compare quotes from different brokers
- Select a policy that covers the full value of your home and its contents
- Read the fine print carefully, especially about coverage limits and exclusions
- Understand the claims process
- Ask about bundle discounts (property insurance + car insurance = discounted premium)
- Review and update your coverage annually
How to File a Home Insurance Claim in Dubai
In the event you need to make a claim:
- Contact your insurance agency immediately
- Take photos of the damage or loss
- File a police report (for theft or vandalism)
- Submit all required documentation quickly
- Keep records of all communication
The Bottom Line
House insurance is a must, and as an investor, you will probably be dealing with a lot of insurance policies.
Whether you choose AXA, Sukoon, or another provider, working with a reputable insurance broker can make all the difference in securing optimal coverage. Be sure to shop around for a home insurance in Dubai who will deliver at time of claim. You never know when you’ll need your policy.
