A clear insurance brief for Dubai buyers

Dubai does not make property insurance theatrical. It does make it necessary — for mortgage, for common sense, and for the day a pipe fails on the 42nd floor.

Buildings insurance is often sitting in the service charge of a well-run tower. Ask. Contents is on you. Mortgage lenders will insist on a policy that names them. Landlords who skip tenant damage cover learn expensively.

Off-plan is a different paper trail: the developer’s construction cover until handover, then yours. We put the dates in the completion file so nobody is uncovered for a week.

Water, fire and liability are the three conversations that matter. Everything else is a rider. If you are buying a villa with a pool, say so; if you are buying a penthouse with art, say so.

We are not brokers. We will introduce you to people who are, and we will not let insurance be the last email before keys.