Home & Contents insurance

Nothing beats coming home to your family: creating a safe space for your people is the number one reason you work so hard. Designed especially for high net worth individuals, our comprehensive home insurance protects you and your family from a wide variety of misfortunes, so when you come home, you can relax.   

We are truly obsessed with providing a top-quality service: your broker, as ever, works for you. We are always on your side, whether you are buying insurance or claiming on it. 

Unlike getting insurance direct from an insurer, all our policies are carefully worded in your favour designed to be advantageous to our clients, and our skilled in-house claims department supports you every step of the way.

We also have vast experience working with high-net-worth individuals with specific requirements that would be outside the realms of a standard policy. No request is unreasonable. 

Policy highlights

1. Comprehensive cover - typically, home insurance policies include cover for a wide variety of perils:

  • Fire
  • Earthquake 
  • Typhoon
  • Flood
  • Subsidence, Landslide & Collapse
  • Explosion 
  • Smoke Damage
  • Vehicle Impact 
  • Falling Aircraft
  • Electrical Fire
  • Lightning 
  • Broadwater Damage
  • Bursting &/or Overflowing of Water Tanks, Apparatus or Pipes
  • Sprinkler Leakage
  • Riot, Strike, Civil Commotion and Malicious Damage
  • Plate Glass 
  • Robbery/Burglary

2. Reasonable deductibles – claiming shouldn’t be a burden

We believe prohibitive deductibles that prohibit claiming are against the very spirit of insurance – claiming should be financially accessible for all. 

3. Electronic equipment coverage 

We build additional coverage into the policy to save stress and disappointment in a claim. 

4. High single article limits, where required

One tripwire high-net-worth individuals can fall down on is the single article limit.

The overall policy limit might sound useful, but when a policy scrimps on single article limits, you can find yourself desperately under-insured when you come to claim. 

5. Loss of rent cover or alternative accommodation cover

If problems with your property would result in costing you money, your insurance should be set up to cover it. 

6. Replacement locks and keys

To help restore your peace of mind (after a burglary, for example).

Always on your side

Our advice helps you avoid getting caught out by technicalities, such as misinterpreting the real intent of the policy's terms and conditions. 

We're always here to help

Let's talk...

+971 4357 3835 

We'll put you in touch with the person best equipped to help.

Call us on +971 4 357 3835 or drop us a message below and we'll get back to you as soon as possible

Find out more information about grievance procedures here.

Our office locations:

Latifa Towers
East Wing – Level 1
Trade Centre 1, Sheikh Zayed Road
Dubai, U.A.E.
P.O. Box 49195

Howden Specialty
Gate Village 5, Level 4, Office 401
DIFC - Dubai, UAE
P.O. Box 482078
+971 4 223 9964

Office 1701, Level 17
City Gate Tower, Al Ettihad Street
Sharjah, UAE

Howden Guardian
New EMI State Tower
Office - 103 & 104
Airport Road, Abu Dhabi - U.A.E.
P.O. Box 51012
+971 2 491 3777
[email protected]

Abu Dhabi
Office - 1010, Level 10
Al Obaid Office Tower, Airport Road
Rashid Al Maktoum Street 2
Abu Dhabi, UAE
P.O. Box 44897

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