• Home Umbrella

    • Comprehensive cover for home and belongings
    • For tenants and homeowners at affordable prices
    • Quick enrolment process with little documentation

Product Overview

Operating in the region for the past 45 years, we've come to understand that peace of mind is a big factor for people buying insurance. It is an even bigger factor for those considering home insurance.

Home Umbrella, our best-in-class comprehensive home insurance cover, is designed with this in mind. Which is why our home insurance protection is like none other. 

There is a whole list of built-in and additional benefits and covers that Home Umbrella comes with. Whether you're a homeowner or a tenant, we've got you covered for everything from your building and home contents to personal belongings and domestic helper(s).

Key Benefits


Building(s) Only

Fire and Allied Peril / Accidental Damage As per Policy Schedule/Property Value
Loss of Rent or Alternative Accommodation 20% of the Building Sum Insured up to a max of 500,000
Breakage of Fixed Glass and Sanitary 10% of Building Sum Insured
Pipes and Cables 10% of Building Sum Insured
Removal of Debris 10,000 per claim/aggregate
Owner’s Legal Liability to the Public 3,000,000 In aggregate
Water and Cooling Installations 10,000


Contents Only

Fire and Allied Peril / Accidental Damage to household and contents As per Policy Schedule/Total Contents Value
Loss of Rent or Alternative Accommodation 20% of the Contents Sum Insured Up to a max of 500,000
Household Removals 10% of the Contents Sum Insured
Fatal Injury Benefit 70,000
Occupiers Personal and Employers Liability 30,00,000
Tenant’s Liability 1,000,000 (upgradable to 2,000,000)
Theft of Keys 3,000
Visitor’s Personal Effects 2,500
Food Spoilage 5,000
Contents Temporarily Removed 20% of Contents Sum Insured
Contents in Open 5,000


OPTIONAL COVER - Personal Belongings

Accidental Damage to: Personal Belongings, valuables, Portable Equipments As per Policy Schedule/Total PB Value
Loss of documents (Passport, driving license, work permit and residence permit) 1,000 per document and 3,000 in aggregate
Personal Money and Credit Cards 2,500

OPTIONAL COVER - Domestic Helper

Accidental Death 35,000
Accidental Medical Reimbursement 10,000
Repatriation (Accidental Death) 5,000

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

  • 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

  • Download

  • Download

  • Download

  • Download

  • Download

See more downloads

What our customers think

  • Prompt response, complete service, and ease of communication and resolving insurance-related issues. Definitely, I recommended you to my friends already.


  • Coverage, premium, service, response, quality of interaction, ease of application, payment, post-sales services & all additional benefits everything is perfectly fine.


  • I really appreciate your quick revert back to my request. So, I am really happy with Oman Insurance Company. Thank you so much and see you again in the future.


  • Really quick response. No need to visit Oman Insurance. Everything was done through email, with Oman Insurance giving detailed information.


  • So far, I have been very happy with the cover. It is speedy and I particularly appreciate the SMS messages to give ongoing updates about the process.


  • I liked the approach and I got the money directly credited to my bank account within no time! Thanks:) Looking forward to doing more with Oman Insurance.


You Might Also Like

  • 41homeeasy
    See more details
  • 43homeart
    See more details