Never worry about your precious belongings

Apply for a Home Contents insurance cover against unfortunate incidents and enjoy a complete coverage on the precious belongings at your home.

577.5 AED

Annual Premium

For platinum cover

150K AED

Maximum Sum Assured

60K AED

Maximum Benefit

on Alternative Accommodation
up to six months

Keep in mind

Individual content lines are covered. Each content may have a maximum limit within the overall sum assured.
Key exclusions include non-coverage of items kept in the open such as loss of cash, currency, jewellery and personal documents. All material facts must be disclosed and failure to do so will invalidate this policy.
Optional covers attract additional premiums. Please ensure to read the insurance provider terms and conditions prior to purchasing the policy.

Key Features and Benefits

Home Contents Insurance cover as:

Your personal items and contents of your home
Loss of rent or cost of alternative accommodation
Third party liability against personal injuries/property damage
Personal money and credit cards
Loss of documents (passport, driving license, work permit etc)
Damage to contents when you are moving to a new home in the UAE
Death, permanent disability, medical expenses or body repatriation of a maid due to fire, theft, flood etc

Optional cover:

Fatal injury benefit to the insured or spouse

Table of Benefits

Benefits
Damage & Losses to the contents of the subject property located at the stated address including household goods and personal effects as per Home Insurance Policy Wording and subject to the relevant Terms, Conditions & Exclusions.	Maximum Benefit Limit in AED
	Silver	Gold	Platinum
Contents in your Home (Loss or Damage)	50,000	100,000	150,000
Loss of Rent or Cost of Alternative Accommodation Such payment shall be six months rental value or given sum insured value, whichever is lesser and subject to maximum indemnity period of 6 months	20,000	40,000	60,000
Contents Temporarily Removed - Loss of or damage to contents	10,000	25,000	35,000
Contents in the open – Loss of or damage to contents	2,500	5,000	7,500
Theft / Loss of Keys - Cost of replacing locks / lock mechanisms up to given value	500	500	500
Household Removals - Loss of or damage to contents while in transit from home to another location including loading and unloading within the Geographical Limits of U.A.E. provided that such removals are carried out by professional removal contractors. Such payment shall not exceed given Sum Insured in total by any of the above listed perils.	25,000	50,000	75,000
Visitor's Personal Effects - in total for loss or damage.	2,500	3,750	5,000
Tenants Liability - All sums up to given sum insured value for which the tenant is legally responsible / liable.	100,000	200,000	300,000
Personal money & credit cards – up to the given value	1,500	500	5,000
Loss of documents (passport, driving license work permit etc.)	500	1,000	1,500
THIRD PARTY & NEIGHBORS' LIABILITY - In the event of Accidental bodily injury, death, or disease of any person or Accidental loss or damage to property, all sums up to given sum insured value for which the Insured is legally responsible / liable to pay to Third Party and Neighbors. Deductible of AED 1,000 each and every loss to apply	100,000	200,000	300,000
Workmen's compensation in respect of a domestic servant sponsored by the insured. To pay up to the sums shown below:
1. Death or Permanent Total Disablement	30,000	60,000	90,000
2. Medical Expenses	2,500	5,000	7,500
3. Repatriation Expenses	2,500	5,000	7,500
Deductible: AED 250 each and every loss for all of the above benefits
Annual Premium in AED**	341.25	420	577.5
OPTIONAL COVER – PERSONAL ACCIDENT
Fatal Injury Benefit to the Insured or Spouse - In the event of your death or of your spouse as a direct result of injury caused in your home by fire, explosion, lightning, or thieves, to pay in total the agreed sum provided death ensues within three months of such injury.	50,000	100,000	150,000
Annual Premium in AED**	52.5	105	157.5

Eligibility Criteria

Ways to Apply

Home Protection Awareness Guide

Disclaimer & Terms and conditions

Insurance Products are made available to you based on your need analysis and request. Insurance products are underwritten by respective insurance providers and issued subject to their terms and conditions. Abu Dhabi Commercial Bank (The Bank) does not offer insurance advice, nor does it manage, underwrite or issue insurance policies.

The Bank is not responsible for rejected applications or claims by any insurance company. Premiums received by the Bank for insurance plans are not bank deposits. Investment products are not bank deposits and are not guaranteed by the Bank. They are subject to investment risks, including possible loss of principle amount invested. Past performance does not guarantee future results. Please refer to the bank’s Wealth Services Terms & Conditions

This website is for information purposes only and does not constitute an offer or solicitation to purchase investment products.

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