Why choose GIG Home Insurance
Key benefits of our home insurance plan
Which plan is right for me?
What is included in this plan?
- Property insurance
- Contents insurance
- Personal belongings cover
- Legal liability cover
| Coverage | Owner and Live in Home |
|---|---|
| Unexpected events and natural calamities | |
| New for old | |
| Alternative accomodation | |
| 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 helpers | Optional add-on |
| Home assistance |
What is included in this plan?
- Property insurance
- Legal liability
| Coverage | Owner but rent it out |
|---|---|
| Unexpected events and natural calamities | |
| Loss of rent | |
| Legal liability | |
| Accidental damage to building |
What is included in this plan?
- Personal belongings
- Contents
- Liability
- Maid / Domestic helper
| Coverage | Renting a Home |
|---|---|
| Accidental damage and natural disasters | |
| Replacement | |
| Alternative accomodation | |
| Tenant liability | |
| Legal liability | |
| Stolen keys | |
| Frozen food | |
| Visitor belongings | |
| Outdoor belongings | |
| Furniture removal | |
| Accidental damage to contents | |
| Personal belongings | Optional add-on |
| Domestic helpers | Optional add-on |
| Home assistance |
| Coverage | Owner and Live in Home |
|---|---|
| Unexpected events and natural calamities | |
| New for old | |
| Alternative accomodation | |
| 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 helpers | Optional add-on |
| Home assistance |
| Coverage | Owner but rent it out |
|---|---|
| Unexpected events and natural calamities | |
| Loss of rent | |
| Legal liability | |
| Accidental damage to building |
| Coverage | Renting a Home |
|---|---|
| Accidental damage and natural disasters | |
| Replacement | |
| Alternative accomodation | |
| Tenant liability | |
| Legal liability | |
| Stolen keys | |
| Frozen food | |
| Visitor belongings | |
| Outdoor belongings | |
| Furniture removal | |
| Accidental damage to contents | |
| Personal belongings | Optional add-on |
| Domestic helpers | Optional add-on |
| Home assistance |
| 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 protecats 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
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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
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Is home insurance mandatory in Qatar?
No, home insurance isn't a legal requirement in Qatar, 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 insurance for your house
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.
Premiums for GIG Home insurance starts from QAR 1 per day*, and buying online gets you up to 5% off.
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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.
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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.
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How do I make a home insurance claim with GIG Gulf?
Call 8002921 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 a BHD 5 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 Qatar 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.
Cancel within the first 14 days without having claimed, and it's treated as a cooling-off period, refunded the same way.
But Qatar's product is regulated by the Qatar Financial Centre Regulatory Authority (QFCRA)
specifically, and the actual numbers (premiums, excess, liability limits, cancellation fees)
are set for Qatar and shouldn't be assumed to match UAE, Bahrain, or Oman.
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Home documents
Download terms and conditions with product details
