Home Insurance
Don’t insure your home with just any insurance company. Protect what matters to you the most. Protect everything that makes your home an extension of your uniqueness.
What is Liva home insurance?
Liva Insurance provides three types of home insurance in the UAE: Contents (protects furniture, electronics, and personal items inside your home), Personal Possessions (covers portable valuables like jewellery, laptops, and watches outside the home), and Buildings (covers the structure itself — walls, fixtures, and permanent fittings). Buy online at livainsurance.ae with instant cover for apartments, villas, and townhouses across the UAE.
Choose the right cover for you
Contents
Personal Possessions
Buildings
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Frequently asked questions
Yes. Liva offers employer’s liability cover for domestic employees (maids, nannies, drivers) who are injured while working in your home, with a limit of up to AED 250,000. This is an optional add-on — not included as standard — so you will need to add it when purchasing your home insurance policy. The cover provides compensation for accidental injury or illness to the worker during employment duties. This is an important cover in the UAE where many households employ domestic workers.
Home insurance premiums depend on the property type (apartment, villa, townhouse), location, value of contents, and which covers you choose. Get an instant quote online at livainsurance.ae/home-insurance. You can select Contents only, add Personal Possessions, or combine all three for comprehensive protection. The online quote tool gives you a price in minutes based on your specific property and cover requirements.
Yes. Liva contents and buildings cover includes accidental water damage, such as burst pipes, leaking water heaters, or overflow from plumbing failures. This is one of the most common home insurance claims in the UAE due to the age and condition of plumbing in many buildings. Gradual leaks or maintenance issues (wear and tear) are typically excluded — the damage must be sudden and accidental.
Call +971 4 302 9835 or +971 4 302 9903, or email homeclaims.ae@livainsurance.com. Download the home claim form from livainsurance.ae/how-to-claim and submit it with supporting documents: photos of damage, police report (for theft), receipts or proof of value for damaged items. Liva’s claims team will arrange an assessment and guide you through the settlement process.
Yes. Tenants can purchase Contents insurance and Personal Possessions cover from Liva. You do not need to own the property. Contents cover protects your belongings inside the rented apartment or villa. If your landlord’s insurance covers the building structure, you only need contents cover. Check your tenancy agreement to understand what the landlord’s policy covers and where your responsibility begins.