Know which parts of your home you insure.

In a shared building the structure is insured through your service charges. Your belongings and liability are yours to insure.

Who insures what in your home?

Do you rent or own?

I rentI own and live thereI own and let it out

What kind of home is it?

Flat in a shared buildingVilla or townhouse in a managed communityStandalone villa

The structure: The building’s management company insures the structure and common parts. Owners pay through service charges.
Repairs and damage that are not your fault: The landlord, unless the lease says otherwise.
Your belongings: You, on a contents policy.
Damage you cause to the landlord’s fittings: You. Tenant’s liability cover on a contents policy pays this.
Injury or damage you cause to others: You, on the liability section of your home policy.
A hotel if the home is unfit to live in: You, on the alternative accommodation section, after an insured event.

The structure: Your landlord, or the community’s policy if it covers the house.
Repairs and damage that are not your fault: The landlord, unless the lease says otherwise.
Your belongings: You, on a contents policy.
Damage you cause to the landlord’s fittings: You. Tenant’s liability cover on a contents policy pays this.
Injury or damage you cause to others: You, on the liability section of your home policy.
A hotel if the home is unfit to live in: You, on the alternative accommodation section, after an insured event.

The structure: Your landlord.
Repairs and damage that are not your fault: The landlord, unless the lease says otherwise.
Your belongings: You, on a contents policy.
Damage you cause to the landlord’s fittings: You. Tenant’s liability cover on a contents policy pays this.
Injury or damage you cause to others: You, on the liability section of your home policy.
A hotel if the home is unfit to live in: You, on the alternative accommodation section, after an insured event.

The structure: The building’s management company insures the structure and common parts. Owners pay through service charges.
Your kitchen, bathrooms, floors and other fittings: You, unless the building schedule says it covers them.
Your belongings: You, on a contents policy.
Injury or damage you cause to others: You, on the liability section of your home policy.
A mortgage: Banks such as ADCB make property insurance and life cover a condition of the loan.

The structure: Ask the community management company in writing whether its policy covers your house. If it does not, the owner insures it.
Your kitchen, bathrooms, floors and other fittings: You, unless the building schedule says it covers them.
Your belongings: You, on a contents policy.
Injury or damage you cause to others: You, on the liability section of your home policy.
A mortgage: Banks such as ADCB make property insurance and life cover a condition of the loan.

The structure: You, on buildings cover for the full rebuilding cost.
Your kitchen, bathrooms, floors and other fittings: You, unless the building schedule says it covers them.
Your belongings: You, on a contents policy.
Injury or damage you cause to others: You, on the liability section of your home policy.
A mortgage: Banks such as ADCB make property insurance and life cover a condition of the loan.

The structure: The building’s management company insures the structure and common parts. Owners pay through service charges.
Fittings and repairs for your tenant: You. Repairs that are not the tenant’s fault are yours in Dubai.
Your tenant’s belongings: Your tenant.
Injury to others as owner: You, on owner’s liability cover.
Rent lost while the home is repaired: You, on a loss of rent section, after an insured event.
Rent a tenant does not pay: Liva, GIG Gulf and Tokio Marine pay lost rent only after damage, not for a tenant who stops paying.

The structure: Ask the community management company in writing whether its policy covers your house. If it does not, the owner insures it.
Fittings and repairs for your tenant: You. Repairs that are not the tenant’s fault are yours in Dubai.
Your tenant’s belongings: Your tenant.
Injury to others as owner: You, on owner’s liability cover.
Rent lost while the home is repaired: You, on a loss of rent section, after an insured event.
Rent a tenant does not pay: Liva, GIG Gulf and Tokio Marine pay lost rent only after damage, not for a tenant who stops paying.

The structure: You, on buildings cover for the full rebuilding cost.
Fittings and repairs for your tenant: You. Repairs that are not the tenant’s fault are yours in Dubai.
Your tenant’s belongings: Your tenant.
Injury to others as owner: You, on owner’s liability cover.
Rent lost while the home is repaired: You, on a loss of rent section, after an insured event.
Rent a tenant does not pay: Liva, GIG Gulf and Tokio Marine pay lost rent only after damage, not for a tenant who stops paying.