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Time to renew your Home Insurance policy?


Main Covers

There are four main types of home insurance coverage, which you can customise and come with additional benefits:

  • Building Insurance protects the value of your house against fire, accidental damage and breakage of fixtures and more.

  • Contents Insurance protects the value of your belongings from fire, explosion, lightning, earthquake, falling of installed fixtures and loss or damage to contents in transit.

  • Owner & Occupiers’ Liability Insurance protects against any claim made against you or your family.

  • Tenant's Liability Insurance protects you if held legally liable for damage to your landlord’s premises.


Why GIG Gulf’s Home Comfort is the best Home Insurance choice

  • Tailored Policies: Your home, your rules. Whether you're an owner or a tenant, living on the premises or not, we provide cover that caters specifically to your needs.

  • Affordable Plans: Experience comprehensive protection without breaking the bank, with plans starting at just AED 1 per day.

  • Hassle-Free Online Service: Say goodbye to cumbersome paperwork. From getting a home insurance quote to filing a claim, do it all effortlessly online.

  • Emergency Home Assistance Service: Lock, window, electric and plumbing emergencies handled 24/7.

  • Unmatched Customer Service: Our dedicated team is here for you day and night, prioritising your queries and claims. With more than 20,000 positive reviews on eKomi and a customer service award, you know you can trust us.

Get Your Custom Quote Today


Customised Home Insurance Cover for Everyone

For the Non-resident Owners
Invest confidently, knowing your property is secure with our specialised building-only cover. From fire to accidental damage, we shield your assets.

Comprehensive Plans for Residents
Your home deserves more than basic coverage. Our resident plans extend protection to buildings, contents, personal belongings, and domestic helpers.

Contents Insurance Protection for Tenants
Secure your contents and valuables without the need for property ownership.

Liability cover is a staple in all our policies, ensuring legal claims are the last thing you have to worry about when the unexpected happens. You can choose from any of these home insurance products by starting a quote online.


Exclusive Benefits - Because You Deserve More

Our unique home insurance cover includes accidental damage, personal liability, occupant’s liability, and household removal cover. We strive to ensure your home remains your sanctuary.

  • Alternative Accommodation: Rest easy while your home undergoes repairs, with covered accommodation costs.

  • Empty house cover: Relax in the knowledge that your home is protected, even if unoccupied for up to 60 days.

  • Tenant’s Liability: Stay shielded against legal liabilities, with up to AED 5 million in coverage.

  • Domestic Helper Protection: They care for your home; we care for their safety with this optional cover.

  • Worldwide Coverage: You can choose to get global personal belongings cover, which protects your valuables wherever you are.

Get Your Custom Quote Today


24/7 Emergency Home Assistance

Life is unpredictable, but our emergency services aren't. Whether it's a burst pipe at midnight or a broken lock on a Sunday, we're here for you. GIG Gulf's Home Assistance Emergency Repair Service adds more value to your Home Comfort insurance policy.

This fantastic service means you can quickly get a professional to handle an emergency in your home, whether it’s a broken window, electrical fault or flooding caused by faulty plumbing. Getting the problem fixed quickly minimises damage and losses, so take advantage of this great benefit when buying GIG Gulf home insurance. 

  • [1]Price is for contents only.
  • [2]Benefit is applicable for all GIG Home Insurance policies purchased in the UAE from December 5th 2016.


Home Comfort
Unexpected events and natural calamities
New for old
Alternative accommodation
Tenants' liability
Legal liability
While you're away
Stolen keys
Frozen food
Visitors personal effects
Content in the open
Households removal
Accidental damage for content & building
Personal belongings
Domestic helpers
Home Assistance service


Looking for legal advice?

As an GIG policyholder, you're eligible to get a free legal consultation from GIG's legal advisors. To submit your request please click here.



How to submit your claim

We understand that filing a claim often comes at stressful times. Our process is designed to be as swift and comforting as possible. Choose your preferred way to reach out, and let us take it from there:

For endorsement or cancelation requests click Here.

For claims requests:

1. Call 800 292 and one of our customer service representatives will guide you through your claim

2. Submit a claim through this link:




Frequently asked questions about Home Insurance

GIG Gulf's comprehensive home insurance, Home Comfort, protects your building against fire, forceable theft, and natural disasters and covers personal belongings. It also includes liability covers and options for domestic helper insurance. Read our terms and conditions to find out more.

'Buildings insurance' covers the structure of your home (the walls, roof, and floors) and its fixtures, while 'contents insurance' protects the personal belongings and furniture inside the home. GIG Gulf offers both types of cover, allowing homeowners to secure the physical structure of their property and the items within.

While home insurance isn't legally mandatory anywhere in the UAE, it's highly recommended. Many mortgage lenders do require a form of property insurance for the duration of the mortgage.

The cost of Home Insurance premium will be determined depending on the sum insured.

Yes, GIG Gulf provides worldwide personal belongings cover, which can include high-value items. However, declaring these items when taking out your policy is crucial to ensure they are fully covered.

This is a unique feature of GIG Gulf's policy, covering items typically found outside the confines of the home but within your private premises, such as garden furniture or outdoor equipment. Terms apply.

GIG Gulf’s policies cover a range of events, including certain natural disasters. Specifics can vary, so it's essential to read your policy documents to understand the extent of coverage.

You can initiate a claim by calling 800 292, visiting the GIG Gulf website.. Customer service representatives are available 24/7 to guide you through the process.

Yes, if your home is rendered uninhabitable due to a covered event, GIG Gulf's policy includes the cost of alternative accommodation while your home undergoes essential repairs.

Accidental damage refers to unintentional one-off incidents that harm your property or its contents, such as spilling paint on a carpet or breaking a window.

We’re sure you will be delighted with your policy, but if you want to cancel, you can. GIG Gulf allows policy cancellation with a 30-day notice, subject to an administration fee of AED 50. Any return of premium for the unexpired period of insurance is subject to the policy's terms and conditions.

Generally, mould damage caused by preventable water leakage, humidity, or poor ventilation is not covered.

Foundation repairs are typically covered if a covered risk, such as an earthquake or an accidental water leak, causes the damage. However, age-related damages, general wear and tear, or neglected maintenance are not usually covered. It's advisable to check your policy details for the specifics of what's included.

Home insurance policies often cover AC units in cases of damage from covered events like fire, vandalism, or theft. However, malfunctions or damages resulting from wear and tear or lack of maintenance might not be covered. For detailed information, consult your specific policy documents.

Generally, home insurance covers sudden and unforeseen plumbing issues, such as burst pipes. Routine maintenance, slow leaks, or issues arising from wear and tear are typically not covered. It’s important to address minor plumbing issues before they become more significant problems that your insurance policy might not cover.

Generally, the core principles of home insurance remain consistent whether you are in Dubai, Abu Dhabi, or any other emirate. However, the specifics of a policy, including costs, can vary due to factors like differences in property value, construction types, and local regulations. As GIG Gulf

Yes, GIG Gulf Home Insurance and AXA Gulf Home Insurance are essentially the same, as AXA Gulf has been rebranded to GIG Gulf. Although it operates under a new name, the entity continues to provide a range of insurance products, including home insurance, with a commitment to maintaining the standards of service and comprehensive coverage options that customers have come to expect.