Building coverage, also known as Landlord insurance, protects the house or flat within a condo, including the construction and all permanently attached fixtures, such as balconies. Home Contents coverage, or Rental insurance, is designed for tenants and provides protection against damage to their personal belongings, such as furniture, home appliances, and personal items. It is important to note that Home Contents coverage doesn’t cover the entire building or flat but solely focuses on the home contents. If you are a homeowner seeking to financially protect your property and belongings, you may consider comprehensive house insurance, which covers both the building and its contents.

Home Insurance is not mandatory but it’s highly recommended as it can protect you from unanticipated expenses.

Yes. Home contents insurance cover pays for losses and damages happening due to fire, lightning, subterranean fire, or explosions..It’s a part of homeowners insurance policy.

Yes. Your home contents insurance covers damages and losses to your home belongings in times of riots, strikes, and similar circumstances.

Yes. Your home contents insurance will cover all damages to your house or apartment related to bursting or overflowing of your house water tank apparatus or pipe.

Yes. Your home contents insurance policy can cover losses or damages caused by natural disasters, such as floods, earthquakes, volcanic eruptions, hurricanes, cyclones, tornadoes and windstorms.

Unless specified in your policy, your basic home cover does not include pet coverage or livestock insurance, yet it can cover damages caused by your pets.

Your vehicles, cars and motorcycles are not covered by your home contents insurance, and they need a separate motor insurance if you wish to insure them.

Basic home contents insurance does not cover banknotes and documents of all kinds, such as deeds, bonds, bills of exchange, promissory notes, cheques, traveler’s cheques, securities for money, stamps, cash, currency notes, manuscripts, medals and coins.

Yes. Home insurance covers your liability to household workers. It means that, for example, if your maid gets injured, we’ll pay compensation covering her medical expenses. Something that you would need to cover out of your pocket otherwise.

Your home insurance policy does not cover any damages and losses arising out of war and allied perils or terrorism acts.

All construction, reconstruction, renovation, or repair works causing damage to your outdoor fixtures or fittings such as gates, fences, antennas, aerials, masts, towers and external televisions are not covered by your basic home contents insurance.

Onus of proof refers to all invoices, receipts and pictures of your personal contents.

Your sum insured is the total estimated value of your personal contents and/or your building.

Your building value is the declared value of your building (villa / cottage), including the cost of the wall surrounding the property, and it’s inclusive of fixtures and fittings like air-conditioning, lights and surrounding structures like Majlis, and domestic workers’ quarters.

Home contents of an unoccupied house under construction as well as the building itself can’t be insured while your house is under construction, and can only be insured once the construction work is done.

The policy excess (also known as deductible) is the fixed amount of money that you have to pay for each and every claim you may have. The policy excess is there to offer you a cheaper and affordable overall premium for your home insurance.

Your insurance premium is calculated individually and it depends on the number of factors, such as the location of your house, safety features installed in your dwelling, and the scope of coverage you need. It can go up, if you include extras such as boiler cover or home emergency cover, and it can go down if you have house protection devices, for example, a burglar or a fire alarm. Plus, when you buy insurance, you can pay annually or in monthly installments. The downside of paying in installments is that although the cost per month is less of a financial burden, the overall cost of your insurance will be higher.

Gap insurance covers the difference between the original cost of the property and its value after depreciation.

Our head office is located in West Bay, Doha, plus we have branches in Villaggio Mall, Landmark Mall, City Center Mall, Barwa Commercial Avenue, Ezdan Mall in Al Wakrah, Lulu Hypermarket in Al Gharafa, Lulu Al Messila, Al Khor, Al Mansoura, and Doha Festival City. If you need to visit, you can choose one of our offices near you.