Home Insurance

General

What is Home Insurance?

Home Insurance helps protect your home, your belongings, or both against covered risks such as fire, theft, water damage, storms, earthquakes, and accidental damage. You can choose the plan that best suits your needs, whether you own your home or rent it.

Which Home Insurance plans are available?

We offer three Home Insurance plans:

Contents Only : Covers your furniture, electronics, appliances, and personal belongings.

Building Only : Covers the physical structure of your home, including permanent fixtures.

Building & Contents: Covers both your home and your belongings for more comprehensive protection.

Coverage limits and benefits vary depending on the plan you choose.

Which plan is right for me?

The right plan depends on your needs:

If you rent your home, the Contents Only plan helps protect your personal belongings.
If you own a property and rent it out, the Building Only plan helps protect the structure of your home.
If you own and live in your home, the Building & Contents plan protects both your home and your belongings.

What types of homes can I insure?

You can insure private residential properties, including apartments, villas, and townhouses, along with any attached structures on the same property. The property must be used for residential purposes and cannot be used for commercial activities.

Can I get Home Insurance if I'm renting?

Yes. If you're renting, you can choose the Contents Only plan to protect your personal belongings.

You can also add Personal Liability cover, which may protect you if you're legally responsible for accidental damage to your landlord's property caused by a covered event.

If you own the property, you can choose Contents Only, Building Only, or Building & Contents, depending on the cover you need.

When does my cover start?

Your cover starts on the effective date shown in your policy schedule, once your purchase has been completed.

We'll send you a confirmation by email and SMS, and you can access your policy documents anytime through your tree account.

Where is my Home Insurance valid?

Your Home Insurance policy covers the property listed in your policy schedule, provided it is located within the Kingdom of Saudi Arabia.

Plans & Coverage

What does the Building plan cover?

The Building plan protects the main structure of your home, including the walls, roof, built-in fixtures, garage, swimming pool, and plumbing.

What does the Contents plan cover?

The Contents plan protects the belongings inside your home, including furniture, appliances, electronics, clothing, and other personal items.

Does Home Insurance cover theft?

Yes. Your Home Insurance covers losses resulting from theft or attempted theft involving forced entry, subject to your policy terms.

Does Home Insurance cover fire and water damage?

Yes. Your policy covers damage caused by fire, lightning, explosions, and water damage resulting from burst water tanks or pipes.

Does Home Insurance cover earthquakes?

Yes. Earthquake damage is included as a standard feature of both the Building and Contents plans.

Does Home Insurance cover floods and storms?

Yes. Flood and storm damage is included as a standard feature of both the Building and Contents plans.

What happens if my home becomes uninhabitable?

If your home becomes uninhabitable due to a covered event, we'll cover the cost of alternative accommodation while repairs are being carried out.

If you rent out your property, we may also cover any loss of rental income during the repair period, subject to your policy limits.

If someone is injured at my home, am I covered?

If you have Personal Liability cover, you may be covered if a visitor is accidentally injured or their property is damaged in or around your home. This may include compensation and legal costs, subject to your policy limits.

Does Home Insurance cover injuries to domestic workers?

Yes. If your policy includes Domestic Workers Liability cover, it may cover injury or death of a domestic worker while carrying out their duties within the Kingdom of Saudi Arabia, subject to your policy limits.

Does Home Insurance cover broken glass?

Yes. Your policy covers accidental breakage of fixed glass, including windows, mirrors, and bathroom fixtures.

Does Home Insurance cover spoiled food?

Yes. Your policy covers food stored in your refrigerator or freezer if it spoils due to an unexpected breakdown, accidental damage, or a power outage.

Services

What is the Home Emergency service?

The Home Emergency service is available 24/7 to help with urgent household emergencies, such as water leaks, emergency breakdowns, lost keys, and broken glass. It also includes temporary repairs to help prevent further damage, subject to your policy limits.

What is the Home Maintenance service?

The Home Maintenance service covers non-emergency repairs, such as plumbing, electrical work, air conditioner cleaning, and other minor maintenance services, subject to your annual service limits.

Which plans include Home Emergency and Home Maintenance services?

The Home Emergency service is included with all Home Insurance plans.

The Home Maintenance service is available with the Contents Only and Building & Contents plans.

How many Home Emergency or Home Maintenance services can I request each year?

You can request up to three services per year, with a maximum benefit of SAR 700 per service.

Air conditioner services are limited to one request per year.

How do I request a Home Emergency or Home Maintenance service?

You can request a service through any of the following channels:

Toll-free number: 8008500081

WhatsApp: +966 56 378 4909

Email: HA-ME@europ-assistance.com

Claims and cancellations

How do I submit a claim?

Submiting a claim is simple. Sign in to your tree account through our website or app, select your Home Insurance policy, and follow the steps to submit your claim.

When should I report a claim?

Please report your claim as soon as possible after the incident.

If your claim involves theft or attempted theft, you should report it to the police immediately before submitting your claim.

Delays in reporting may affect your claim, so it's always best to notify us as soon as possible.

Can I cancel my Home Insurance policy?

Yes. You can cancel your policy at any time.

Any refund will depend on when you cancel your policy. Refunds are not available if you have a paid claim or a claim that is still being processed.