Top 7 Mistakes People Make When Buying Home Insurance in the UAE
                     Top 7 Mistakes People 
Make When Buying 
Home Insurance in the 
UInveAstinEg in home insurance is worthwhile because, with the 
correct policy, it protects your property, valuables, and comfort. 
When it comes to making a claim, people are left in the dark as 
they are rushing to make a decision or overlook crucial terms. The 
seven most common mistakes to avoid are listed below, along with 
easy tips to ensure that you have the right cover on your home.
 Underestimating Replacement Value
When you get a policy from an insurance company, you 
might just cover the visible items and overlook 
electronics, jewellery or renovations. Under-insuring 
implies that you will receive less money than you 
require after a loss.
Always make a realistic room-by-room inventory and 
update it when you purchase large items.
Tip: Save receipts, photos, and an inventory 
file with a date on your phone or cloud; it will 
expedite any claim.
 Policy Exclusions & Price Focus
Failing to Read Policy Exclusions Choosing Solely on Price
Policies usually do not cover certain risks (such as A cheap premium is tempting; however, cheap 
water damage of a particular type or wear and tear). policies often have high excesses, low limits, or poor 
Failure to check exclusions may make you think that add-on options. Price is not the whole value; see the 
something is covered when it is not. cover, limits, and claim service as well.
Tip: Read the section on what is not covered and Tip: Do not just compare the premium amount, but 
ask the insurer or broker to clarify anything that is do line-by-line comparisons.
not clear.
Incorrectly Valuing Your Property
When valuing buildings in home insurance, some add the cost of 
land to the building value – that increases the sums insured and the 
premiums payable.
Know what to consider: the cost of structure and reconstruction, 
not the price of land.
Tip: If you are not sure, get an estimate of the rebuild cost 
and ask an insurer or a qualified valuer.
 Confusing Coverage Types
Home Contents vs. 
Personal 
Possessions
Usually, home contents cover insures things that remain in the home. 
Individual items (such as phones or laptops that you carry) may need 
an additional cover. Confusion in these results in rejected claims.
Tip: See whether your valuables require a personal possession 
extension or increased limits.
 Skipping Useful Add-Ons
Accidental Flood Cover
CDoavmersa ugneexpected mishaps like spilled paint or Essential in areas prone to water-related 
broken windows disasters
Home Emergency Temporary Accommodation
Assistance for urgent issues like plumbing or Housing if your home becomes uninhabitable 
electrical failures after a covered event
By not taking them to save a little premium, you will pay much more in the future.
Tip: Consider local risks first when prioritising add-ons (e.g., flood or storm cover where applicable).
Not Checking Claims Process & Conclusion
Claims Process & Network Conclusion
The responsiveness of the insurer, the approved repair network, and clear When purchasing home insurance, do not concentrate on the lowest price but 
procedures are the factors that determine a smooth claim experience. Unless on the right cover. Examine exclusions, be realistic about the value of your 
you verify how claims are processed, you may have to wait a long time or property, select reasonable extras, and verify the claim service of the insurer.
receive poor settlement offers.
By not making these seven errors and using a well-known insurance 
Enquire about the average claim turnaround and favourite repairers. company, you will be able to save your house and your purse.
Tip: Contact the customer service of the insurance company before 
making a purchase; fast responses with clarity are indicative of good 
customer service.