What Does Contents Insurance Actually Cover | ExpatWoman.com

What Does Contents Insurance Actually Cover

If you are considering buying contents insurance in Dubai, here's what the policy covers for owner-occupants and tenants.

Posted on

27 January 2020

Last updated on 27 January 2020
What Does Contents Insurance Actually Cover in Dubai

Home insurance is not the same as insuring its contents

Simply put, home content insurance in Dubai pays for the damage or loss of your possessions present in your home at the time of the incident.

When you think of the items you possess, consider how much monetary value they have to you. Buying contents insurance in Dubai safeguards you from the financial burden of replacing or repairing your personal belongings.

Depending on the type of policy in place, coverage may extend to the items owned by the family members who live with you.

With the right planning, the best contents insurance for you will be tailored as per your current and future needs. In the event of accidental loss or damage, theft, or natural damage due to earthquakes, water, lightning, fire, etc., you will be financially protected from payments or monetary loss that will incur.

Here's a list of items covered by contents insurance in Dubai:


In the unforeseen event that your home and certain portable electronics get lost, damaged, or stolen, contents insurance will usually cover...

  • TV
  • Computers and laptops
  • Electric appliances
  • Cameras
  • At-home medical devices
  • Fridge

And more.


Precious jewellery and gold may be covered under your contents insurance plan. Though money cannot replace any sentimental value on missing, damaged, or stolen jewellery, you will have some peace of mind knowing that the loss of your jewellery will not result in additional expenses or loss thanks to your policy.

Household goods

This may curtains, other furnishings, sporting equipment, collectibles, and even clothes.

Personal belongings versus contents

What if one of your valuables was lost, damaged, or stolen outside of your home?

Where contents insurance provides cover for household items, a personal belongings insurance protects you against accidental loss, damage, or theft of items outside of your property.

This includes personal belongings such as your bicycle, keys, smartphone, and tablet, which you would typically use away from your home.

Be sure to check to see if your insurance policy extends towards items carried outside.

Before settling on any home contents insurance in Dubai, be sure to thoroughly know how much coverage you're entitled to as this varies per insurer, and if it covers items outside of your home. Take note if your contents insurance excludes cover on particular items or belongings that have been lost, damaged, or stolen in certain circumstances, such as floods or international travel.

If these specific exclusions and risks are important to you, it's best to consider another insurance company or a different policy. If something unexpected happens to your covered items, make sure that you possess photos of the goods, proof of the items' value, and any relevant police reports when filing for an insurance claim. This will help make your insurance claim process easier.

ExpatInsure will assess your needs to help you find and select the best contents insurance in the UAE as per your needs.