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Home Content Insurance

Home Content Insurance


Unfortunate situations such as a fire, a pipe burst or theft can lead to the possessions in your home being damaged or destroyed. With Home Contents Insurance, you can rest easy knowing that you enjoy comprehensive cover against unforeseen circumstances.

Apply for Home Contents insurance and enjoy complete cover for the precious belongings in your home.

To find out more on how ADCB can help you protect your home against a number of risks, please read our Home Protection Awareness Guide. The guide includes several handy tips on how to keep your home safe from damage and other useful information for both tenants and home owners.

Click here to read our Home Protection Awareness Guide.

What does Home contents Insurance Cover:

Principal cover:

  • 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)
  • Other covers provided by the policy include:
  • 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

List of 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
Contents in your Home (Loss or Damage)50,000100,000150,000
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 months20,00040,00060,000
Contents Temporarily Removed - Loss of or damage to contents10,00025,00035,000
Contents in the open Loss of or damage to contents2,5005,0007,500
Theft / Loss of Keys - Cost of replacing locks / lock mechanisms up to given value500500500
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.25,00050,00075,000
Visitor's Personal Effects - in total for loss or damage.2,5003,7505,000
Tenants Liability - All sums up to given sum insured value for which the tenant is legally responsible / liable.100,000200,000300,000
Personal money & credit cards up to the given value1,500,5005,000
Loss of documents (passport, driving license work permit etc.)5001,0001,500
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 apply100,000200,000300,000
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 Disablement30,00060,00090,000
2. Medical Expenses2,5005,0007,500
3. Repatriation Expenses<</td>2,5005,0007,500
Deductible: AED 250 each and every loss for all of the above benefits

Annual Premium in  AED**341.25420577.5

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.50,000100,000150,000
Annual Premium in AED**52.5105157.5

*Terms & Conditions apply

**Inclusive of 5% VAT

If you are an ADCB customer and wish to subscribe to this product, please login to ADCB Personal internet banking and click Home Contents Insurance under the Insurance section

3 Simple Ways To Apply

Call 800 2030

Insurance Products are made available to clients based on their need analysis and request. Home Contents Insurance product is underwritten by Abu Dhabi National Insurance Company (ADNIC) and issued subject to their terms and conditions. Abu Dhabi Commercial Bank (ADCB) does not offer insurance advice, nor does it manage, underwrite or issue insurance policies. ADCB is not responsible for rejected applications or claims by any insurance company. Premiums received by ADCB for insurance plans are not bank deposits.
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