Home Insurance

YOUR HOME TELLS YOUR STORY

All-inclusive plans, free look-up period of 15 days and policy issuance in under 3 minutes.
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HOME INSURANCE THAT TRULY FEELS LIKE SUKOON

At Sukoon, we understand your home isn’t just walls and a roof, it’s where life happens. Every corner tells a story, and every story deserves to be protected. Whether it’s unexpected damage, natural disasters, or unforeseen accidents, we are here for you, so you never have to face these challenges alone. Because when life looks rough, you should feel secure knowing Sukoon has you covered.

Smart Insurance for Smart Homeowners

We let you take control of your home insurance, from enroling online in a few minutes to immediate policy issuance, from being able to manage your plans to tracking your claims, everything is only a few taps away. Sukoon ensures you are heard and seen at every step.

  • Protecting your home, in your absence

    Continued protection, even if your home is left unoccupied for up to 60 days a year.

  • Replacement of contents

    Replacement of the equivalent value in case of damaged, lost or stolen items.

  • Buy online under 2 minutes

    Instantly purchase your insurance online. No waiting period.

  • Coverage for househelp

    Cover your liabilities to your househelp at a small additional sum.

OUR HOME PLANS

When you choose Sukoon, we make sure to check all the safety boxes for you. Get benefits that make a real difference when it matters most.

  • Home Umbrella

    Adaptable coverage with extensive built-in benefits to shield your home against unexpected challenges. Because true protection goes beyond insurance, it reflects genuine commitment.

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  • Home Arte

    Designed for high value properties, protection for fine art, jewelry, and collectibles. Every detail is safeguarded against theft, damage, and unforeseen risks.

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HERE FOR YOU, COME RAIN OR SUNSHINE

Unexpected damages turning your peace upside down? These moments can feel overwhelming but with Sukoon Home Insurance, such problems are sorted quickly. We step in so you can focus on restoring your comfort.

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  • Alternative accommodation

    If your home becomes temporarily unlivable.

  • Tenant liability coverage

    Tenant's Liability cover of up to AED 1 million.

  • Fire & accidental cover

    Financial protection for damage caused by accidents.

  • Easy claim process

    Quick and Hassle-free claims process.

HOME UMBRELLA OVERVIEW

For years, we’ve been standing by families like yours, fostering peace of mind and understanding that home insurance isn’t just about covering bricks and mortar. It’s about safeguarding everything that makes your house a home. Whether you own or rent, Home Umbrella offers protection that goes beyond the basics, be it the structure, contents, personal belongings, and even domestic helpers. It combines adaptable coverage with extensive built-in benefits to shield your home.

SCOPE OF COVER

Home Umbrella
Building(s) Only
LIMITS IN AED
Fire and Allied Peril / Accidental Damage
As per Policy Schedule/Property Value
Loss of Rent or Alternative Accommodation
20% of the Building Sum Insured up to a max of 500,000
Breakage of Fixed Glass and Sanitary
10% of Building Sum Insured
Damage to Services (Pipes and Cables)
10% of Building Sum Insured
Removal of Debris
10,000 per claim/aggregate
Owner’s Legal Liability to the Public
3,000,000 In aggregate
Water and Cooling Installations
10,000
CONTENTS ONLY
LIMITS IN AED
Fire and Allied Peril / Accidental Damage to Household Contents
As per Policy Schedule/Total Contents Value
Loss of Rent or Alternative Accommodation
20% of the Contents Sum Insured Up to a max of 500,000
Household Removals
10% of the Contents Sum Insured
Fatal Injury Benefit
70,000
Occupiers Personal and Employers Liability
3,000,000
Tenant’s Liability
Up to 1,000,000
Theft of Keys
3,000
Visitor’s Personal Effects
2,500
Visitor’s Personal Effects
5,000
Contents Temporarily Removed
20% of Contents Sum Insured
Contents in Open
5,000
OPTIONAL COVER - PERSONAL BELONGINGS
LIMITS IN AED
Accidental Damage to: Personal Belongings, valuables, Portable Equipments
As per Policy Schedule/Total PB Value
Accidental Damage to: Personal Belongings, valuables, Portable Equipments
1,000 per document and 3,000 in aggregate
Personal Money and Credit Cards
2,500
OPTIONAL COVER - DOMESTIC HELPER
LIMITS IN AED
Accidental Death
35,000
Accidental Medical Reimbursement
10,000
Repatriation (Accidental Death)
5,000

EMERGENCY REPAIR SERVICE

Unexpected damages can be hard to handle, but with Sukoon by your side, immediate help is just a phone call away. Keeping up with being here for you 24/7. Our emergency repair services provide prompt assistance to cater to unanticipated damage to your home installations, offering coverage worth AED 2,100 annually. This includes three callouts, each valued at AED 700. The coverage extends to repairs for piping, electrical systems, glazing, and locks or doors.

ITS EASY TO CLAIM...

  • Protect and document

    Minimise the damage and capture photos/videos. For theft, obtain an official police report.

  • Notify sukoon at the earliest

    Report your claim quickly by calling 800 SUKOON (785666)

  • Submit your documents

    Send completed claim form along with proof of ownership, police report (if applicable), and policy schedule.

  • Inspection and settlement

    Sukoon may check the damaged items before evaluating and approving your claim to ensure fair settlement.

Trusted by people like you

50+
Years of
experience
EXTENSIVE
Choice of
plans
90 DAYS
Worldwide cover for personal belongings
1.36M
Insured members

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Product resources

For more information, please refer to the product resources listed here.

YOUR QUESTIONS ANSWERED

We are here to help. Find the most commonly asked Home Umbrella Insurance Plan questions.

The cost of replacing an insured property or asset in case of damage or loss.

Loss of rent or alternative accommodation insurance covers the insured for the amount of rent they might lose in the event of a loss or damage to the insured property.

STILL HAVE QUERIES?

Contact the home insurance team

Existing customer?

Contact Claims Department

Tel: +971 4 233 7463

Tel: +971 4 233 7464

UAE Toll Free: 800 SUKOON (785666)

Email:generalinsuranceclaims@sukoon.com

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