Do I need insurance for a Dubai holiday home?

A standard home policy excludes paying-guest activity, so during bookings you are effectively uninsured. Operators should hold holiday-let or short-term-rental cover combining buildings, replacement contents, and public liability (commonly AED 2-5M) for guest-injury claims, often with a loss-of-rental-income add-on. It is not always strictly mandated but is strongly advised, and some buildings or operators require proof of liability cover.