Protect Your Most Treasured Possessions with Home Insurance

Many UAE residents are unaware of the unexpected perils that can affect their homes. People often spring into action when the damage has already been done. Some simple steps like taking out a home insurance policy and watching out for the most common home accidents can immediately make you feel safer in your own home. Doing so will also save you the trouble of paying for the damages and losses out of your own pocket. Follow these handy tips to protect your home and keep your family safe.

Don’t forget to blow out your candles: You’d be surprised by how frequently candles cause fires in the UAE. People often forget to blow out candles before heading out or going to bed. Never leave a candle unattended, especially if you have kids, and be sure to put them out before leaving the room. You can make candles safer by keeping them in glass containers. Be sure to have a functioning smoke alarm in your home to detect fires before they cause damage. Did you know that from next year you could be breaking the law if you don’t have a smoke alarm in your home?1 Buying a comprehensive home insurance policy is the surest way to cover the losses incurred to your home and belongings due to a fire. A home insurance policy will not only reimburse you for the repair costs, but also cover the cost of alternative accommodation while repairs are being made, in case your home becomes uninhabitable.

Make your kitchen safe: Gas cookers are one of the causes of fires in the UAE. Make sure to immediately seek emergency assistance if you smell a gas leakage. In the past year, there was an explosion in a Dubai apartment2 because of an open stove valve. Such gas build-ups can cause devastating blasts. Don’t forget to check your home insurance policy to confirm that it covers damages caused by fires.  

Be wary of water leakage:  Leakage from water heaters and AC pipes can flood your home and damage your valuable contents and belongings. Book an annual maintenance service before it’s too late. Another danger that many ignore is leaky faucets, which if not fixed right away can cause dampness, mould, flooding and seepage. Get in touch with a plumbing service if you notice old or rusty pipes as these are a high risk for bursting.  Be sure to declare all of your furniture and home contents when you buy your home insurance policy.

Sparks from loose plugs can cause a fire: Always hire an electrician to install the wiring in your home so that suitable wires are used for all appliances. If you detect the smell of burning plastic or notice sparking, seek emergency assistance immediately. Even something as simple as a laptop charger plugged into an extension cord can start a fire. Remember to renew your home insurance policy to keep your home and electronics protected.     

Check locks on windows and doors: Make sure your doors are strong enough to prevent a break in. Remember to close and lock all windows before going to bed or heading out. You can also book a locksmith to check and upgrade your locks. Consider installing a security alarm system and CCTV cameras in your home to deter thieves. In addition to being traumatising, losses from burglaries can add up to thousands of dirhams. To protect your assets, make sure you have personal belongings coverage, which also covers theft.   

Buy comprehensive home insurance: You might have to pay thousands of dirhams out of your pocket if you don’t have the right home insurance. With home insurance, you can rest assured that help will be available to patch up life’s unexpected inconveniences, especially policies with a wide range of covers such as locksmith, electrical, plumbing and glasswork services in case of emergencies.  

Find out more on

1 Source: The National article:
2 Source: Gulf News article:


Protect your home and belongings now.

Find out more on HSBC's website