Product Overview

Remarkable homes deserve remarkable care.

Protect your high value homes and their contents with our expertly-designed range of insurance plans. We’ve got different covers to protect your building, its contents and even your jewellery and valuables. You can combine these covers to build a plan as per your requirement.

Our Home Arte plans are designed in collaboration with Generali, one of the biggest insurance brands in Europe. So, what you’re getting is the combination of our local experience of more than 45 years and the international expertise of Generali.

Key Benefits

Choose Your Covers

You can choose to combine the different covers to create your own personalised insurance plan.
  • Building Insurance
    • Guaranteed rebuilding of your home in case of damage
    • Complimentary appraisal service to give you the exact level of cover you need
    • All types of homes are covered, including apartments
  • Contents Insurance
    • Worldwide cover for all contents
    • No limit on the value of any single article
    • No need to list your contents
    • Complete help with calculating the correct value of your contents
  • Jewellery and Valuables Insurance
    • No insurance limits on the size of your jewellery collection
    • Full cover for your pairs and sets
    • Cover your jewellery according to wearing patterns, meaning jewellery in the safe gets covered at a lower rate
    • Cover your new jewellery purchases right away, just inform us within 60 days of the purchase

Product Summary

Building(s) Only

SCOPE OF COVER LIMITS IN AED
Sum insured As per Policy Schedule
New acquisitions 15% of the building sum insured, provided notification is received within 60 days
Temporary removal of fixtures and fittings 15% of building sum insured providing notification is received within 60 days
Emergency access Unlimited
Damage to the garden Covered up to AED 15,000 with a maximum of AED 1,500 per tree and plant
Alternative accommodation Covered up to 12 months
Damage by domestic pets 2500
Trace and access Covered up to the value of AED 50,000
Expert costs Covered up to 25% of building sum insured

 

 

General Contents

SCOPE OF COVER  LIMITS IN AED
Sum insured As per Policy Schedule
Jewellery Covered up to AED 35,000
Valuables - Coins stamps, medals, gold, silver and plated articles Covered up to AED 25,000
Money Covered up to AED 25,000
Vehicles - Trailers, caravans, rowing boats, dinghies, sailboards, motorbikes, quads and golf buggies Covered up to AED 25,000
Contents of students living away from home Covered up to AED 50,000 and AED 5,000 per item
Personal possessions of guests Covered up to AED 5,000
Professional activities- Home office supplies and business equipment Covered up to AED 15,000
Damage by domestic pets Covered up to AED 5,000
New acquisitions Covered up to 30% of sum insured for general contents provided notification is received within 60 days
Presents and gifts Covered up to 30% of sum insured for general contents provided notification is received within 60 days
Furs and sporting equipment Covered up to AED 25,000
Property in the open Covered up to AED 25,000
Marquees Covered up to AED 20,000
Personal money and credit cards Covered up to AED 30,000
Identity fraud expenses Covered up to AED 10,000
Data replacement Covered up to AED 5,000
Metered water and domestic heating oil Covered up to AED 5,000
Freezer contents Unlimited
Relatives residing in care home Covered up to AED 50,000 and AED 5,000 per item
Acquired disability Covered up to AED 50,000
Fatal injury Covered up to AED 25,000 per person injured
Replacement of keys and locks Reasonable and necessary costs

Domestic Helper(s)

 SCOPE OF COVER LIMITS IN AED
Accidental death AED 35,000
Accidental medical reimbursement AED 10,000
Repatriation (accidental death) AED 5,000

Art and Collectibles

SCOPE OF COVER  LIMITS IN AED
Sum insured As per Policy Schedule
Single item limit for unspecified item Covered with a limit of AED 40,000
New acquisitions Covered up to 30% of sum insured for the collection provided notification is received within 60 days
Non-specified pairs and sets Covered up to AED 40,000
Defective title Covered up to 10% of the total sum insured for art and collectibles with a maximum of aed 75,000
Emergency evacuation Covered up to 15% of the total sum insured for art and collectibles

Jewellery and Valuables

SCOPE OF COVER LIMITS IN AED
Sum insured As per Policy Schedule
Single item limit for unspecified items Covered up to AED 40,000
New acquisitions Covered up to 30% of sum insured for jewellery, provided notification is received within 60 days
Non-specified pairs and sets Covered up to AED 40,000

Your Liabilities

SCOPE OF COVER LIMITS IN AED
Liability to other people Covered up to AED 5,000,000 or as specified
Liability as a property owner Covered up to AED 5,000,000 or as specified
Liability as a tenant Covered up to AED 5,000,000 or as specified

How to Get Insured

  • Apply by Phone

    Call us at 800 4746 (toll-free) for more information and to enrol over the phone.

  • Apply by Email

    Drop us an email with all your details and we'll get back to you soon.
  • Apply in Person

    Walk into one of our branches to get information, apply, and enrol in person.
Alternatively, request a call back from one of our insurance experts.

Product Resources

FAQs
  • An alteration clause stipulates that insured owner shall not make any alteration to the insured premises without prior intimation to the insurer.
  • Loss of rent insurance covers the insured for the amount of rent they might lose in the event of a loss or damage to the insured property.
  • The cost of replacing an insured property or asset in case of damage or loss.
  • Chandeliers, glassware items, sugar shipments & bulk shipments in general.

See more FAQs

Downloads
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See more downloads

Why Choose Oman Insurance?

  • GENERALI

    Partnership Insurance Product
  • STRONG

    international and local expertise
  • BEST

    UAE Insurer with a strong A rating

What our customers think

  • Great service and I received my reimbursement without any hassle. Also really happy with the online reimbursement process as no time-wasted.

    Hirushi

  • I have not faced any difficulty in reimbursing my filed reimbursement. No delays, no unnecessary cutting of dues. Received within the given time.

    Ali

  • I love how easy it is to claim reimbursements. The requirements are easy and I received the cash in my account within 10 days.

    Kristine

  • When I informed your company employee about the accident, he was very helpful and guided me through the process. Excellent after-sales service.

    John

  • Firstly, timely response, and staff are motivated to help the customers! I do not have to worry about my car damages as you have gained good faith from me!

    Mohamed

  • Company was very easy to communicate with; they took care of my car issues and renewed my insurance. The process was very easy and the staff was very polite and helpful.

    Racheal

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