Why Choose GIG Home Insurance
Key benefits of our Home Insurance Plan
Which Plan Is Right For Me?
What is included in this plan only with GIG?
- Buildings cover
- Contents cover
- Personal belongings cover (optional)
- Domestic Helper cover (optional)
| Coverage | Owner and live in your home |
|---|---|
| Unexpected events and natural calamities | |
| New for old (with exceptions) | |
| Alternative accommodation | |
| Legal Liability | |
| Stolen keys | |
| Frozen food (up to BD 250) | |
| Visitors' personal effects | |
| Contents in the open | |
| Household items removal | |
| Accidental damage to contents | Optional Add on |
| Accidental damage to building | Optional Add on |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
What is included in this plan?
- Buildings cover
- Legal liability (owner's liability to the public)
| Coverage | Owner but I rent it out |
|---|---|
| Unexpected events and natural calamities | |
| Alternative accommodation (only if you currently have a tenant in place) | |
| Owner's legal liability to the public | |
| Breakage of fixed glass and sanitary fixtures | |
| Accidental damage to building | Optional Add on |
| Stolen keys | Not included – bundled under Contents, not Buildings |
| Fatal injury benefit | Not included – bundled under Contents, not Buildings |
What is included in this plan?
- Contents cover
- Personal Belongings (optional)
- Tenant's liability
| Coverage | Renting a home |
|---|---|
| Unexpected events and natural calamities | |
| New for old (with exceptions) | |
| Alternative accommodation | |
| Tenant's Liability | |
| Legal Liability | |
| Stolen keys | |
| Frozen food | |
| Visitors personal effects | |
| Contents in the open | |
| Household removals | |
| Accidental damage to contents | Optional Add on |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
| Coverage | Owner and live in your home |
|---|---|
| Unexpected events and natural calamities | |
| New for old (with exceptions) | |
| Alternative accommodation | |
| Legal Liability | |
| Stolen keys | |
| Frozen food (up to BD 250) | |
| Visitors personal effects | |
| Contents in the open | |
| House hold items removal | |
| Accidental damage to contents | Optional Add on |
| Accidental damage to Building | Optional Add on |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
| Coverage | Owner but rent it out |
|---|---|
| Unexpected events and natural calamities | |
| Alternative accommodation (only if you currently have a tenant in place) | |
| Owner's legal liability to the public | |
| Breakage of fixed glass and sanitary fixtures | |
| Accidental damage to building | Optional Add on |
| Stolen keys | Not included – bundled under Contents, not Buildings |
| Fatal injury benefit | Not included – bundled under Contents, not Buildings |
| Coverage | Renting a home |
|---|---|
| Unexpected events and natural calamities | |
| New for old (with exceptions) | |
| Alternative accommodation | |
| Tenant's Liability | |
| Legal Liability | |
| Stolen keys | |
| Frozen food | |
| Visitors personal effects | |
| Contents in the open | |
| Household removals | |
| Accidental damage to contents | Optional Add on |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
What people say about us?
Frequently asked questions
What does GIG Gulf home insurance typically cover?
Home Comfort is modular — you combine up to four covers (buildings, contents, worldwide personal belongings, liability) so you only pay for what applies to you.
- Buildings cover protects the structure and fixed fittings (sanitary ware, glass) against fire, explosion, lightning, earthquake, and accidental damage.
- Contents cover protects everything inside — furniture, appliances, electronics — against the same events, plus theft, storm, and water damage.
- Worldwide personal belongings cover (optional) extends protection to valuables you carry outside the home — passports, jewellery, laptops, sports equipment.
- Liability cover — protection if you're held legally responsible for injury or damage to someone else's property.
Two things are included by default: your home stays covered if left unoccupied for up to 60 consecutive days, and if a covered event makes your home unliveable, GIG contributes toward alternative accommodation (20% of your sum insured — the maximum amount you're covered for). Domestic helper cover is a paid add-on. Every claim carries an excess — what you pay before cover kicks in.
What's the difference between buildings and contents insurance?
Buildings cover insures the structure you own — walls, roof, floors, plus any fixtures and fittings that belong to you rather than your landlord.
Contents cover insures what's inside — household goods and personal belongings, plus your own fixtures if you're a tenant.
That split decides which product fits you: owner-occupiers usually take buildings + contents, owners who don't live in the property take buildings only, and tenants take contents only, since the building itself isn't theirs to insure.
GIG Gulf offers both under Home Comfort, combinable in one policy.
Is home insurance mandatory in Bahrain?
No — home insurance isn't a legal requirement in Bahrain, for owners or tenants. But if you're financing your property, your bank will typically require fire insurance for the life of the mortgage as a condition of the loan.
GIG Gulf's buildings cover includes fire protection, plus contents, liability, and other cover most lenders don't require but most homeowners want.
How is the cost of my home insurance premium determined?
Your premium — what you pay for the policy — scales with your sum insured, the total value you're covering across buildings, contents, or both.
Premiums for GIG Home Insurance start from BD 20, and buying online gets you up to 5% off.
Can I get coverage for high-value items?
Yes, through worldwide personal belongings cover — an optional add-on for valuables and portable equipment you carry outside the home.
The catch: if an item isn't individually listed and described on your proposal form, any claim for it is capped. Check our Handbook for additional details.
Declare a high-value item separately — jewellery, watches, electronics — and it's covered up to its stated value instead. Keep receipts, valuations, or photos; GIG may ask for proof the item existed and was yours.
Are natural disasters covered in GIG Gulf's home insurance policies?
Yes — fire, explosion, lightning, earthquake, storm, and flood are core perils under both buildings and contents cover.
A few carve-outs apply: frost damage, damage to fences and gates, and anything happening while the home's been left unoccupied. War, terrorism, and pandemic-related loss sit under general exclusions and are never covered, regardless of cause.
How do I make a home insurance claim with GIG Gulf?
Call 8000 1060 or email home.claim@gig-gulf.com as soon as the loss happens — the policy requires immediate notification.
You'll get a list of preliminary documents to register the claim; GIG may ask for more depending on what happened. You can also start a claim online or at any branch.
Does home insurance cover temporary accommodation costs?
Yes — if your home is made uninhabitable by an insured event, GIG covers rent or the cost of comparable alternative accommodation until repairs are done, up to 20% of your sum insured.
Can I cancel my policy if I'm not satisfied?
Yes. Either you or GIG can cancel with 30 days' written notice, and you get back the unused portion of your premium, minus a BD 5 administration fee, as long as there are no paid or outstanding claims.
Cancel within the first 14 days without having claimed, and it's treated as a cooling-off period, refunded the same way.
Any return of premium for the unexpired period of insurance is subject to the policy's terms and conditions.
Is there a difference between home insurance in Bahrain and other GCC countries?
The core structure is similar across GIG's GCC markets — buildings, contents, liability, optional extras.
But Bahrain's product is regulated by the Central Bank of Bahrain specifically, and the actual numbers (premiums, excess, liability limits, cancellation fees) are set for Bahrain and shouldn't be assumed to match UAE, Qatar, or Oman.
Home Insurance documents
Download terms and conditions with product details
