Home Contents & Personal Belongings

Protect your home & belongings

with comprehensive cover

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Water Logging & Inundation
Escape of water due to bursting of water tank, pipes, fixed apparatus and domestic appliances
Damage Protection
Accidental Damage to content & personal belongings
Theft/Burglary Cover
Protection of personal belonging from theft/burglary
Alternate Accommodation
In case premise is uninhabitable, then cost of alternate accommodation is provided
Assistance Service
Up to 3 home assistance services for emergency repair work
Tenant Liability
Your liability as a tenant is covered in case any damage to content or property

We’ve got you covered

It’s reassuring to know that Home Umbrella protects your house and precious belongings against accidental damage, theft, floods and natural disasters.
Enjoy high coverage with low premiums
Your home insurance is designed for both tenants and owners, and provides you various amounts of comprehensive cover with affordable premiums.
Cover for your personal belongings is on a worldwide basis and is against all risks.
Worldwide cover
It’s good to know that whether it’s loss of rent or a need for alternative accommodation, we’ve got you covered.
Loss of rent and alternative accommodation

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Protecting your home & belongings
Home Umbrella is a comprehensive package of insurance benefits designed to cover the contents of your home.
Your personal belongings are covered up to AED 150,000. This includes mobile phones, laptops and other electronics.
Personal belongings
Liability cover
Your liability as a tenant is covered up to AED 2 Million.
Domestic help cover
Cover your househelp for a Sum insured of AED 50,000 for death/sickness due to accident.

Provided By

Home Umbrella KFD by Sukoon Insurance

To find out more click here

Home Plus KFD by Sukoon Insurance

To find out more click here

Transparency

Claims process
To find out more, click here.
Home Umbrella T&Cs
To find out more, click here.

Disclaimer
Takaful/Insurance products are offered by renowned international and regional Takaful/ Insurance companies. All product features, benefits, and returns are offered by the Takaful/Insurance company and not by Mashreqbank psc. Mashreqbank psc shall not be responsible for Takaful/Insurance provider's actions or decisions, nor shall Mashreqbank psc be liable regarding payment of loss/claims or services under the Takaful/Insurance contract. Terms and Conditions apply. *0% Easy Payment Plan for up to 6 months is valid on purchase of comprehensive policies through Mashreq credit card only. Insurance is the subject matter of solicitation. Mashreqbank psc is the authorized distributor (as a broker on per sale, commission basis) for Salama Islamic Arab Insurance company, Sukoon Takaful, Sukoon Insurance Company, Qatar Insurance Company, Orient Insurance PJSC, Al Ittihad Al Watani Insurance Company & GIG GULF. Participation for purchase of Takaful/Insurance by Mashreq customers shall be purely on voluntary basis. For complete details on the benefits, coverage, terms & conditions and exclusions, customer is advised to read the Key Fact Statement, Terms & Condition (available on Insurer’s website as well) before concluding sale. Customer understands that, to issue the policy, Personal information collected in the sales process, has to be shared with Takaful/ Insurance company. The contract of Takaful/Insurance is between Takaful/Insurance Company and the insured, and not between Mashreq and the insured. Sukoon Insurance is a subsidiary of Mashreq. Sukoon Insurance is a key stakeholder in Sukoon Takaful. Mashreq Al Islami is the Islamic Window of Mashreqbank PSC.

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Still got questions?

Structure is the brick & pillar model of the home, essentially consisting of roof, wall, floor, window & doors. It also includes any civil structure made within the house essential for living, for example pillar & slabs as well. Structure cover in Home insurance pays to repair or rebuild a home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in the policy.

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Items (movable & immovable) which are essential for living in a home is mentioned as content. For example - Furniture, Fixtures. Home appliances, clothes, sports equipment etc can be termed as content. Kitchenware, utensil & crockery items are covered in content too. Any of the content items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters.

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Personal belonging means the items/articles which are considered to have high monetary worth, for example laptop, smart phone, play station or may be jewelry items. The advantage of buying a personal belonging insurance is off-premise coverage, means your personal belongings are safe even if you are travelling worldwide This means that belongings are covered anywhere in the world. Expensive items like jewelry, furs and silverware are also covered, but there are usually AED limits (unless specified in policy) if they are stolen.

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Yes, you can buy. But you can only insure the content & personal belonging where the ownership belongs to you. If you are a tenant, you cannot insure the structure since you don’t own it.

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Yes, you can buy home insurance to secure your structure, meaning the brick & mortal structure which includes floor, wall, roof etc. However, since the property is rented, the content & personal belongings cannot be insured by you.

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Please refer to table below:
Scope of Coverage/Deductibles & Limits
Home Content/Appliances/Valuables
Plan Name & Limits in AED
Silver Gold Platinum
Content 75000 100000 200000
Loss of Rent, and/or Alternate Accomodation 15000 20000 40000
Household Removals 7500 10000 20000
Content Temporarily Removed 15000 20000 40000
Contents in the Open 3000 5000 5000
Theft of Keys 3000 3000 3000
Fatal Injury 70000 70000 70000
Liability 3000000 3000000 3000000
Visitor's Personal Effect 2000 2500 3000
Food Spoilage 3000 4000 5000
Personal Belonging 50000 75000 100000
Loss of documents 3000 3000 3000
Personal Money & Credit cards 2500 2500 2500
Premium Excluding Tax 700 900 1300

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