Home Insurance - Edge Insurance Brokers

Overview

Your home is most likely one of, if not the most, valuable assets you have. How would you cope if you were faced with the full cost of making repairs to your home after it gets flooded or catches fire or replacing the contents of your home and valuables if they were stolen or damaged? It would be a rather unwise decision to leave your home and its contents uninsured when it faces risk of loss or damage from so many common occurrences. It is undoubtedly the most important investment of everybody’s life and needs to be protected, but what is the best way to ensure you’re receiving the comprehensive coverages you need at a low rate?

Following the recent incidents of fires in many residential towers, many have found out for themselves the costly mistake of not having home insurance in place. Insuring your home against the unforeseen can save you time, money and give you peace of mind, so speak to Edge to get a quote today.

What is Home Insurance?

Home insurance is made up of two parts: buildings and contents cover.

Buildings Insurance

Essentially covers the structure of your home – so the walls, roof, foundations, sometimes outbuildings – and the fixed fittings within it, including bathroom suites and kitchen units..

Contents Insurance

Covers the cost of replacing or repairing furniture and other items if they are damaged, destroyed or stolen. An easy way to think of your contents is everything you would take with you if you were to move to a new house

Are you a renter?

Are you a homeowner or landlord?

Are you a renter?

If you rent a flat or a house, you need home contents and personal belongings insurance. Home contents insurance covers household goods and other items that remain in the home, such as appliances, furniture, and fine art. Personal Belongings insurance, on the other hand, covers valuables normally worn or carried outside the house, such as electronics and jewelry. This insurance provides cover to repair or replace your items following damage from fire, lighting, earthquake, storm, flood, theft or vandalism. Home contents and personal belongings insurance are typically sold to renters; therefore, make sure your landlord possesses a building insurance policy on the apartment or villa itself.

Are you a homeowner or landlord?

Main Covers

Some important benefits of Home Insurance include coverage for:

Coverage from Natural Calamities and Other Perils

Your home is insured against damages caused by Fire, Explosion, Lightning, Earthquake, Burst Pipes, Storm or Flood, Riots, Theft and more.

Alternative Cost of Accommodation

If your home is made uninhabitable by any of the causes insured, you will be covered for the reasonable additional costs of similar short-term accommodation for you, your family and domestic pets, for the period necessary to restore the home to a habitable condition.

Tenants Liability for Damage

If you are a tenant of your home and not the owner, this cover protects you from any insured incident that happens at your tenanted property and for which you are legally liable to your landlord or any third-party person.

Occupiers Personal Liability

This cover will indemnify you against your legal liability for damages and claimants’ cost and expenses in respect of:
– Accidental bodily injury to any third-party person due to an insurable incident at your residence
– Accidental Loss of or damage to material property

Replacement of Locks and Keys

If your home keys have been lost or stolen, then the cost of cost of repairing, replacing or installing new locks will be covered under your home insurance policy.

Spoilage of Food in Deep Freezer

Covers the loss or damage to food or drink in any freezer or refrigerator in your home caused by a change in temperature of the freezer or contamination by the escape of refrigerant or refrigerant fumes.

Loss of Personal Documents and Money

You can also cover the loss of all your personal documents and money (as per policy schedule) due to any insured incident such as loss of passport, educational certificates etc.

Personal Belongings Coverage

Personal effects including clothing plus specified and listed items such as jewellery, watches, mobile phones, photographic equipment, laptops and other items that are designed to be worn or carried around on a day to day basis or even when you are on a holiday can be covered from accidental damage, loss or theft.

Domestic Helper Protection Cover

Home insurance even provides protection to your staff at your home for Emergency Medical Expenses, Death & Permanent Total Disablement cover and Repatriation of Mortal Remains.

Ready to compare home insurance quotes?

Why buy your Home Insurance through Edge?

We answer any question you may have & compare multiple insurance quotes within minutes.
We highlight any areas of your quote where you might have too much or too little coverage, so we are sure that you are provided with the best insurance to protect your Home.
We compare Insurance plans from multiple insurance providers to find you the ideal coverage for your needs and help save on your insurance premiums.
If you need help our insurance advisors can offer assistance by phone or email.
Even after you buy your insurance, we help you with claims and make any policy changes you may require.

What is the required information to get a Home Insurance quote?

Your personal details (like your name, date of birth, contact details, nationality)
Address of Property
Type of Home (Apartment or Villa etc)
Whether you are a tenant or the owner
Cover Required
Value of your Property and/or Contents
Value of your Personal Belongings
If you suffered any previous losses (claims)

What you will need to purchase Home Insurance

Once you’ve selected your plan, you will be asked to submit:

Duly filled up proposal form.
Passport copy with Visa page / Emirates ID
Your address, email and contact numbers

Frequently Asked Questions (FAQs)

Quickly find out if we’ve already addressed your query.

Do I need Buildings Insurance?

Only the landlord/owner of a property can buy the buildings insurance, which offers protection against damage to the physical structure of the property. If you are a tenant, this insurance is not applicable to you and you should opt for the Contents and Personal Belongings Cover. Both buildings and contents insurance can be bought separately or can be combined into one policy.

What is "Away from home" cover?

This covers loss, theft or accidental damage to your personal possessions while you are away from your home or on holiday. These items could include cameras, watches, sunglasses, jewelry and so forth.

How much should I insure my property for?

Your building should be insured for its rebuilding cost, including the cost of professional fees and site clearance.

How much should I be insuring my contents for?

Your contents should be based on the current replacement costs ‘as new’ at today’s prices. It’s worth building an inventory of your contents from room to room and recording their value to come up with your total.

What happens if I underinsure my home?

The Average Clause applies to our Home Insurance policies. This means that if the sum insured at the time of the loss is less than the insurable value of the buildings or contents the amount claimed under the policy will be reduced proportionately.

What is a Home Insurance policy excess?

An excess is the first amount of any loss that you are responsible for paying in the event of making a claim. This amount is deducted from the total claim settlement figure.

What is a Single Article Limit?

Insurers have a single-article-limit clause in respect of contents and personal belongings. Generally, the single article limit pertaining to contents is AED 40,000 and that of personal belongings is AED 10,000. You should list all those contents and personal belongings costing more than the single article limits separately.

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