Theft or attempted theft
If you're a victim of theft and the thieves damage your personal possessions while trying to break in or while they're leaving, your policy will cover repairs that may be needed.
Home insurance
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Protect everything inside your home that makes it an extension of you. So, when things go wrong, your budget isn’t a worry.
Accidental damage
Valuable possessions
Falling trees or branches
Legal liability
Subsidence protection
Your home insurance policy covers damages caused due to ground movement of any part of the site on which your property stands.
Choose the right cover for you
- Available Covers
- Buildings
- Contents
- Personal Possessions
- Accidental Damage to ContentsYou are covered against damage that is caused to the contents of your home because of an unintentional, one-off incident.
- Theft/Attempted TheftIf you’re a victim of theft and the thieves damage your building while trying to break in or while they’re leaving, your policy will cover repairs that may be needed.
- Fire, Explosion, Lightning or EarthquakeThe entirety of your home’s contents is protected against damages caused by fires, explosions, lightning strikes and earthquakes. Smoke damage can also leave the contents of your home contents in dire straits, so your home policy covers such an eventuality.
- Storm or FloodWhile we don't have much of a rainy season, we can be faced with damages to our home contents caused by flooding when we do experience those sporadic rains. Your policy will take care of damage caused due to these forces of nature.
- Falling trees, branches or even mobile aerialsThe fear of falling trees or branches should not keep you away from living in picturesque locales. Rest assured because your policy covers damage caused to your contents if that does happen.
- Water or Oil DamageYour policy covers unexpected water or oil damage caused to your home's contents by a faulty water or cooling installation, or domestic appliances.
- Impact DamageBelieve it or not, homes can be damaged by the things you least expect - a moving vehicle, train, aircraft or animal. Your home insurance will cover the cost of damage repairs for you.
- Riot, Civil Commotion, Strike, Labour or Political DisturbanceThere are some things you just can't plan for, such as a riot or a political disturbance. Your policy will cover damages caused to the contents of your home if this does happen.
- Uninhabitable ConditionsIf your home becomes uninhabitable due to any of the causes insure, your policy will give you a comparable alternative accommodation until your home is fit to live in again. If you have let your home for rent, your policy will cover for the rent you should have received but lost while your home is unfit to live.
- Furniture in TransitEven if you’ve got your furniture on the move from one house to another but reached to only find out that it has been damaged on the way, then we’ll cover the cost of that too.
- Contents in the OpenIf there is loss or damage to contents that are stored outside your home, your policy will cover up to SAR 2,000 to help you repair or replace what's been damaged.
- Subsidence ProtectionYour home insurance policy covers damages caused due to ground movement of any part of the site on which your property stands.
- Third-Party DamageIf there is accidental damage arising out of your property to a third-party property or bodily injury, death or disease to another person, we will cover costs and expenses for up to SAR 1,000,000. Exclusions apply. Contact us for more details.
- Frozen Food Damage or LossShould your freezer rise or fall in temperature or be damaged by contamination, we will pay for the cost of replacing spoiled food, up to the value of SAR 2,500.
- Domestic Helper Employer’s LiabilityYour home insurance policy covers up to SAR 250,000 of Employers liability in case of death, injury, illness or disease for your domestic helper.
- Visitor's Personal EffectsIf a listed event causes loss or damage to a visitor's belongings while in your home, your policy covers a maximum payout of SAR 1,000.
- TVs, Videos and ComputersNever run out of entertainment options. Your policy covers accidental damage to TVs, home computers, video players and recorders as well as any audio equipment you might have.
- Tenants Liability for DamageIf you're renting your home and you end up needing to cover your tenant's contents and property, your policy offers a cover of up to 20% of the sum insured.
- Temporarily Stored ContentIf the contents of your house are damaged or lost while temporarily being stored in a bank’s safety deposit or, anywhere where members of your household are temporarily living, your policy covers up to 20% of the contents sum insured.
- Money & Important DocumentsWe all have money at home used or held solely for private, social or domestic purposes. If this money is lost, your policy will cover a reimbursement of up to SAR 1,000. If important documents are lost or damaged, your policy will cover up to SAR 3,000 for the cost of replacement of these documents.
- Keys and LocksIn the event of the theft of keys to any external doors of your home during the policy period, we will insure you for the costs of replacement locks and keys together with the costs of installation up to the value of SAR 500.
- Falling Receiving AerialsIf your building is near a receiving aerial, your policy will ensure complete peace of mind. In case it falls, the damage caused is covered by your policy.
- Rent and Alternative AccommodationYour policy will give you comparable alternative accommodation until your home is fit to live in again. If you have let your home for rent, your policy will cover for the rent you should have received but lost while your home is unfit to live.
Frequently asked questions
Yes, your home insurance does cover you for portable items within our home if you have taken the Contents cover and outside the home if you take Personal Possessions Cover.
You have to specifically declare and add any valuable item over 20,000. For items that require cover outside of your home and are valued over 5,000 have also to be specified in your policy.
Building should be insured for the amount of their rebuilding cost (not current market value), which can usually be found on the buyers' report or survey, obtained upon purchase of the property. However, please note that this figure will need to be revised in keeping with market inflation.
On the other hand, contents must be insured for the total current replacement cost of all items you would take with you if you were moving out. These items could include, but not limited to, carpets, curtains, furniture, electrical appliances, valuables, clothing and personal effects.
Yes, all domestic outbuildings, garages, sheds, swimming pool, walls and gates fall under the definition of buildings and are covered under that section. You should make sure that the sum insured for your buildings cover includes the rebuilding cost of these structures.
Buildings insurance is only needed if you are legally liable for the building, i.e. if you own the building as a landlord.
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