RERA-Licensed Property Advisor · Sales Manager, Property Junction International · BRN 80731 · Dubai

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 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 strongly advised rather than always mandated, and some buildings require proof of liability cover.

Rules and eligibility criteria change — confirm the current position with the relevant authority before acting. This is general information, not legal advice.

Figures here are indicative as of July 2026 and set by third parties (government, banks, developers) — confirm the current amount before relying on it.