You think you’re fully covered?
Most Dubai homeowners assume their property insurance covers everything but key gaps are hiding in plain sight.
Wear and tear is your problem
Insurance won’t pay for old plumbing, worn tiles, or broken AC units due to age or lack of maintenance.
Mould and humidity damage? Denied.
Unless sudden, damage from poor ventilation or long-term dampness usually isn’t covered at all.
Your tenant ruined the kitchen?
Standard policies won’t cover accidental or intentional damage caused by tenants unless you add extra cover.
Left your home empty too long?
If your property stays vacant for 30-60+ days, your insurer might void the entire claim due to policy terms.
Don’t just buy insurance-read it.
The fine print matters. Knowing what’s excluded in your Dubai insurance is how you avoid massive surprises.