Why choose GIG Home Insurance
Key benefits of our home insurance plan
Enjoy 40% off Personal Accident Cover when you buy it with Home Insurance.
Add an extra layer of protection with cover for accidental injury, disability, or death.
Which plan is right for me?
What is included in this plan?
- Property Insurance
- Contents Insurance
- Personal Belongings
- Domestic Helper
- Legal Liability
| Coverage | Owner and live in your home |
|---|---|
| Unexpected events and natural calamities |
|
| New for old |
|
| Alternative accommodation |
|
| Legal liability |
|
| Stolen keys |
|
| Frozen food |
|
| Visitors personal effects |
|
| Contents in the open |
|
| House hold items removal |
|
| Accidental damage to contents |
|
| Accidental damage to Building |
|
| Personal belongings | Optional add-on |
| Domestic helper | Optional add-on |
What is included in this plan?
- Property Insurance
- Legal Liability
| Coverage | Owner but rent it out |
|---|---|
| Unexpected events and natural calamities |
|
| New for old |
|
| Alternative accommodation |
|
| Legal liability |
|
| Accidental damage to building |
|
What is included in this plan?
- Personal Belonging
- Contents
- Liability
- Domestic helper
| Coverage | Renting a home |
|---|---|
| Accidental damage and natural disasters |
|
| Replacement |
|
| Alternative accommodation |
|
| Tenant liability |
|
| Legal liability |
|
| Stolen keys |
|
| Frozen food |
|
| Visitor belongings |
|
| Outdoor belongings |
|
| Furniture removal |
|
| Accidental damage to contents |
|
| Accidental damage to the building |
|
| Personal belongings | Optional add-on |
| Domestic helper | Optional add-on |
| Coverage | Owner and live in your home |
|---|---|
| Unexpected events and natural calamities |
|
| New for old |
|
| Alternative accommodation |
|
| Legal liability |
|
| Stolen keys |
|
| Frozen food |
|
| Visitors personal effects |
|
| Contents in the open |
|
| House hold items removal |
|
| Accidental damage to contents |
|
| Accidental damage to Building |
|
| Personal belongings | Optional add-on |
| Domestic helper | Optional add-on |
| Coverage | Owner but rent it out |
|---|---|
| Unexpected events and natural calamities |
|
| New for old |
|
| Alternative accommodation |
|
| Legal liability |
|
| Accidental damage to building |
|
| Coverage | Renting a home |
|---|---|
| Accidental damage and natural disasters |
|
| Replacement |
|
| Alternative accommodation |
|
| Tenant liability |
|
| Legal liability |
|
| Stolen keys |
|
| Frozen food |
|
| Visitor belongings |
|
| Outdoor belongings |
|
| Furniture removal |
|
| Accidental damage to contents |
|
| Accidental damage to the building |
|
| Personal belongings | Optional add-on |
| Domestic helper | Optional add-on |
| Benefits (in AED) | Comprehensive -Agency | Comprehensive -GIG Garage | Third Party |
|---|---|---|---|
| Loss or damage to the insured vehicle | No | ||
| Third party liability- Bodily injury | |||
| Third party property damage | 5 Million | 3.5 Million | 3.5 Million |
| Legal liability extended to include family members as Third Party | |||
| Storm, Floods, Riots and Strikes | No | ||
| Personal injury cover | 20,000 AED | 20,000 AED | No |
| Emergency medial expenses | 6,000 AED | 3,500 AED | No |
| Personal belongings | 4,000 AED | 4,000 AED | No |
| Oman Cover | Optional | ||
| Off road cover | No | ||
| Maximum agency repair period | 5 years | Optional up to 5 years | No |
| Guaranteed repairs | No | ||
| Back to invoice on total loss | 24 months from first registration | 6months from first registration | No |
| Waiver of excess windscreen damage | Below 5,000 AED | No | |
| Personal accident - driver | 350,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | 200,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | Up to 1,500 AED | Optional up to 7 days | No |
| 24 hour accident and breakdown recovery | No | ||
| 24 hour accident and breakdown recovery | - | - | No |
| Pickup & delivery (Claims Service) | |||
| Claims single point of contact | No | No |
What people say about us?
Frequently asked questions
What does GIG Gulf home insurance typically cover?
Home Comfort is modular, giving you the possibility to combine up to 4 covers (buildings, contents, worldwide
personal belongings, liability), so you only pay for what applies to you.
- Buildings cover protects the structure and fixed fittings (sanitary ware, glass) against fire, explosion,
lightning, earthquake, and accidental damage.
- Contents cover protects everything inside, including furniture, appliances, electronics, against the same
events, plus theft, storm, and water damage.
- Worldwide personal belongings cover (optional) extends protection to valuables you carry outside the home
such as passports, jewellery, laptops, sports equipment.
- Liability cover protects you if you're held legally responsible for injury or damage to someone else's property**.
Two things are included by default: your home stays covered if left unoccupied for up to 60 consecutive days,
and if a covered event makes your home unliveable, GIG contributes toward alternative accommodation (20% of your
sum insured, the maximum amount you're covered for**).
Domestic helper cover is a paid add-on.
Every claim carries an excess (what you pay before the cover kicks in)**.
Read our terms & conditions
Buy GIG Home insurance now
What's the difference between buildings and home contents insurance?
Buildings cover insures the structure you own including walls, roof, floors, plus any fixtures and fittings that belong to you rather than your landlord.
Contents cover insures what's inside including household goods and personal belongings, plus your own fixtures if you're a tenant.
That split decides which product fits you: owner-occupiers usually take buildings + contents, owners who don't live in the property take buildings only, and tenants take contents only, since the building itself isn't theirs to insure.
GIG Gulf offers both under Home Comfort, combinable in one policy.
Read our terms & conditions
Buy GIG Home and contents insurance now
Is home insurance mandatory in Oman?
No, home insurance isn't a legal requirement in Oman, for homeowners nor for tenants. But if you're financing your property, your bank will typically require fire insurance for the life of the mortgage as a condition of the loan.
GIG Gulf's buildings cover includes fire protection, plus contents, liability, and other cover most lenders don't require but most homeowners want.
Buy GIG Home insurance now
How is the cost of my house insurance premium determined?
Your premium (what you pay for the policy) scales with your sum insured, the total value you're covering across buildings, contents, or both.
Buying Home insurance online gets you up to 5% off with GIG Gulf.
Buy GIG Home insurance now
Can I get coverage for high-value items?
Yes, you can get coverage through worldwide personal belongings cover which is an optional add-on for valuables and portable equipment you carry outside the home.
The catch: if an item isn't individually listed and described on your proposal form, any claim for it is capped. Check our Handbook for additional details.
Declare a high-value item separately, such as jewellery, watches, electronics, and it's covered up to its stated value instead. Keep receipts, valuations, or photos; GIG may ask for proof the item existed and was yours.
Buy GIG Home insurance now
Are natural disasters covered in GIG Gulf's home insurance policies?
Yes. Fire, explosion, lightning, earthquake, storm, and flood are core perils under both buildings and contents cover.
A few exceptions include: frost damage, damage to fences and gates, and anything happening while the home's been left unoccupied. War, terrorism, and pandemic-related loss sit under general exclusions and are never covered, regardless of cause.
Buy GIG Home insurance now
How do I make a home insurance claim with GIG Gulf?
Call 800 70 292 or email
home.claim@gig-gulf.com
as soon as the loss happens. The policy requires immediate notification.
You'll get a list of preliminary documents to register the claim; GIG may ask for more depending on what happened. You can also start a claim online or at any branch.
Does home insurance cover temporary accommodation costs?
Yes, if your home can't be lived in because of a covered event, GIG will contribute towards the cost of suitable alternative accommodation until repairs are done, up to 20% of your sum insured.
Buy GIG Home insurance now
Can I cancel my policy if I'm not satisfied?
Yes. Either you or GIG can cancel your policy with 30 days' written notice, and you get back the unused portion of your premium, minus an administration fee, as long as there are no paid or outstanding claims.
Cancel within the first 14 days without having claimed, and it's treated as a cooling-off period, refunded the same way.
Any return of premium for the unexpired period of insurance is subject to the policy's terms and conditions.
Read the terms & conditions of your home insurance policy
Is there a difference between home insurance in Oman and other GCC countries?
The core structure of home insurance is similar across GIG's GCC markets, and it includes buildings, contents, liability, optional extras.
But Oman's product is regulated by the Financial Services Authority specifically,
and the actual numbers (premiums, excess, liability limits, cancellation fees) are set for
Oman and shouldn't be assumed to match UAE, Qatar, or Bahrain.
Buy GIG Home insurance now
Home documents
Download terms and conditions with product details.
