Not all policies indeed are the same. Some insurance providers have optional add-ons that can change the dynamics of your policy. However, the following liabilities are relatively common across all home insurance policies in the UAE:

• Owner’s liability

  This is liability coverage to the public and covers you against any accidental injury or damage to a third person on your property.

• Occupier’s personal liability

  It is somewhat similar to Owner's Liability, except it applies to the building's occupants. Occupier's Personal Liability extends to a worldwide coverage for up to 90 days during the insurance period.

• Tenant’s liability

  This is an excellent cover to have as it covers the tenant against any damage or accidental loss that makes them liable to the landlord.