Sharjah is home to a mix of residential buildings, family villas and rental units. Whether you own or rent, home insurance protects you from significant financial loss due to accidental or unforeseen events. From basic fire coverage to full protection of contents and liability, a tailored policy offers long-term peace of mind. Let’s take a look at the leading home insurance companies in Sharjah and the coverage options they offer to help you make informed decisions.
List of Home Insurance Companies in Sharjah
As one of the UAE’s most populous emirates, Sharjah experiences high residential occupancy across owned and rented properties. With increasing property demand, the need for reliable home insurance has become more apparent. Insurance not only cushions the financial impact of accidents, natural disasters or theft but also provides liability protection and continuity for homeowners and renters. Choosing the right coverage helps you avoid costly repairs, legal complications and temporary displacement in the event of property damage.
Here is the list of some of the reputable home insurance companies in Sharjah and their key coverage features.
Disclaimer: The home insurance providers in Sharjah listed below are based on available Google ratings and customer reviews at the time of writing. It is recommended to verify the latest ratings, reviews and policy details directly with the respective providers before making a decision.
Sharjah Insurance Company (SICO)
Established as a prominent insurer in the region, Sharjah Insurance Company offers a comprehensive range of insurance solutions catering to individual and commercial needs. Their key home insurance policies include:
- Property Insurance: Coverage for various property types, including residential units, offices, shopping malls and industrial facilities, against risks like fire, natural disasters and accidental damage.
- Liability Insurance: Protection against legal liabilities arising from property ownership.
You can visit the branch or contact them on the given details.
- Address: O1, O2 Floors, Al Raha Tower, Corniche, Al Khan, Sharjah
- Phone: +971 6-5195666
- Timings: Monday to Thursday: 8:00 AM to 5:00 PM | Friday: 8:00 AM to 12:00 AM | Saturday & Sunday: Closed
Al Buhaira National Insurance Company (ABNIC)
Al Buhaira is a long-standing UAE insurer with extensive experience in personal and commercial insurance lines since 1978. The company provides comprehensive home insurance policies that address various risks for homeowners and tenants. Their key home insurance coverage options include:
- Building Protection: Covers fire, accidental damage and fixture-related breakages
- Contents Security: Protection against fire, natural disasters and damage during transit
- Worldwide Personal Belongings: Covers items like laptops, jewellery, legal documents and electronics
- Owner and Occupier Liability: Legal coverage in case of injury claims within the home
- Tenant’s Liability: Protects tenants in the event of property damage caused to the landlord’s unit
ABNIC’s policies offer well-rounded coverage and peace of mind for property owners and renters alike. For more information, contact them at the given address:
- Address: 6th Floor, Al Buhaira Tower, Buhaira Corniche, Sharjah
- Phone: +971 6 517 4444
- Timings: Monday to Thursday: 8:30 AM to 5:00 PM | Friday: 8:30 AM to 5:00 PM | Saturday & Sunday: Closed
Gargash Insurance Services LLC
Gargash Insurance Services is a licensed insurance company offering access to multiple top-tier insurance providers. Operating since 1994, Gargash provides customised home insurance plans based on client-specific needs. Key coverage includes:
- Building Coverage: Insurance for structures, including terraces, garages and swimming pools.
- Household Contents: Protection for furniture, household goods and personal items.
Gargash is an excellent option for those seeking personalised advice and tailored insurance solutions. Here is the address if you want to know more about their coverage plans:
- Address: Office No. 602, 6th Floor, Bel Rasheed Tower 1, Al Majaz 1, Buhaira Corniche
- Phone: +971 6 572 8880 | 800SANADAK (800 72 623 25)
- Timings: Monday to Friday: 8:00 AM to 5:30 PM | Saturday & Sunday: Closed
Orient Insurance Company
Part of the Al-Futtaim Group, Orient Insurance is a trusted home insurance company in the UAE insurance sector since 1982. Their property insurance portfolio covers everything from basic fire protection to complex industrial risks. You can also get Strata insurance for shared residential buildings in line with UAE property law. Orient’s robust underwriting and risk inspection process ensures policyholders receive comprehensive and reliable protection.
- Address: Jazeera Building 1, Office 301 & 302, 3rd Floor, Buhaira Corniche
- Phone: 800 674368 (ORIENT)
- Timings: Monday to Friday: 8:00 AM to 5:00 PM | Saturday & Sunday: Closed
Salama Islamic Arab Insurance
Salama offers Shariah-compliant home insurance solutions with flexible coverage limits and affordable plans. Their home insurance for tenants and homeowners is ideal for those looking for accessible and effective coverage. The company’s home insurance policies cover temporary removal of contents from the home, accidental damage to contents, fatal injury cover due to fire or break-in, along with personal and tenant’s liability. Besides, you can also get coverage for valuables like jewellery, clothing and electronics. The available home insurance plans in Salama Islamic Arab Insurance are:
- Diamond: Coverage up to AED 500,000
- Gold: Coverage up to AED 200,000
- Silver: Coverage up to AED 100,000
- Bronze: Coverage up to AED 50,000
Salama’s tiered plans allow customers to select a policy that matches their property type and personal belongings.
- Address: 2nd Floor, Mega Mall, Next to DU Office, Sharjah
- Phone: 800 725262 (SALAMA) | +971 4 3577000
- Timings: Monday to Saturday: 10:00 AM to 7:00 PM | Sunday: Closed
Other Popular Home Insurance Companies in Sharjah
In addition to the companies listed above, the following are other reputable home insurance providers in Sharjah worth considering:
- Star Insurance Services Co. LLC
- Sukoon Insurance PJSC
- Alliance Insurance
- Al Dawliyah Insurance Service LLC
- Union Insurance Company
- Al-Manarah Insurance Services
FAQs
How do the premiums of home insurance companies in Sharjah compare?
Premiums for home insurance in Sharjah vary depending on several factors, including the value of the property, location, type of coverage (building, contents or both) and any optional add-ons.
Do home insurance companies in Sharjah offer additional coverage for valuables?
Yes, most home insurance companies in Sharjah offer optional coverage for high-value personal items. This typically includes jewellery, watches, artwork, electronics and other portable belongings. Insurers like Salama, Al Buhaira and Orient offer plans with tiered limits (e.g., Diamond, Gold) to accommodate different protection needs for valuables.
Are there any home insurance companies in Dubai and Abu Dhabi?
Yes, there are several home insurance providers operating across the UAE. You can also check out these;
These are some of the reputable home insurance companies in Sharjah. When choosing a home insurance provider in Sharjah, consider your property type, the value of your belongings and any specific risks associated with your location. When buying home insurance in the UAE, compare policy benefits, exclusions and premium costs before making a decision.
If you are planning to buy a new property for sale in Sharjah, make sure you get it insured after doing thorough research. This helps in minimising risk when investing by protecting it against unforeseen damages, accidents or legal liabilities.
Stay updated with dubizzle’s property blog to know more about home insurance in the UAE.
