What happens to my property if it is damaged in a fire or by a natural calamity?

In Dubai, jointly owned properties, such as apartments in buildings, are typically covered by a building insurance policy arranged by the Owners Association. This generally covers structural damage caused by fire or natural events. However, contents insurance for personal belongings is not automatically included, so you should arrange your own policy.

For villas and standalone properties, owners are generally responsible for arranging their own insurance. Where a property has been purchased with a mortgage, the mortgage provider will usually require property insurance to be in place. This is typically paid as an annual fee and may cover risks such as fire and other natural calamities, depending on the policy terms.

In the event of a fire or disaster, file a police or Civil Defence report and notify your insurer and, where applicable, your mortgage provider promptly.