How to Lower Your Property Insurance Premium Without Losing Cover

Everyone loves to save money. In a city like Dubai, costs can add up. You have school fees, car costs, and rent. You might look at your property insurance in dubai and wonder, “Can I make this cheaper?” The answer is yes! But you must be careful. You don’t want to lower the price by making the cover weak. At CoverB, we are experts at finding the “Sweet Spot”—the lowest price for the best protection.

Step 1: Increase Your “Deductible”

The deductible (or excess) is the amount you pay if you make a claim. For example, if it is 1,000 AED and you have a 5,000 AED leak, the insurance pays 4,000 AED. If you tell the insurance company, “I am happy to pay the first 2,000 AED,” they will lower your monthly price. This is great for people who are careful and only want to use insurance for “Big Disasters.” It is a simple way to save 10% or 20% on your premium.

Step 2: Invest in Security and Safety

Property insurance companies in dubai love safe homes. If you have a smart alarm system, a smoke detector, and a high-quality lock, you are a “Low Risk” customer. Some companies even give discounts if you have cameras that connect to your phone. At CoverB, we can tell you which gadgets actually lower your insurance cost. Spending a little bit on a smart leak detector today can save you hundreds of dirhams every year on insurance.

Step 3: Value Your Contents Correctly

Many people guess the value of their furniture. They might say, “Oh, everything I own is worth 200,000 AED.” But if they actually sat down and made a list, it might only be 100,000 AED. If you over-value your items, you are paying for cover you don’t need. Take an hour to walk through your home. Write down the big items. This “Inventory” helps you get an accurate price and makes it much faster to get paid if something goes wrong.

Step 4: Bundle Your Policies

Do you have a car? Do you have health insurance? Sometimes, property insurance companies in dubai give a “Loyalty Discount” if you have more than one policy with them. At CoverB, we look at your whole life. We see if we can bundle your home and car insurance together to get a bulk discount. It’s one of the oldest tricks in the book, but it still works!

Step 5: Compare Every Year

The Dubai market moves fast. A company that was the cheapest last year might be the most expensive this year. Don’t just let your policy “Auto-Renew.” This is how people end up overpaying. Every year, visit https://coverb.ae/ and get a fresh quote. We do the shopping for you. We check all the top companies to see who has the best deal today.

Save Money the Smart Way

You don’t have to choose between “Cheap” and “Good.” With CoverB, you can have both. We help you find every discount you deserve. Visit our website at https://coverb.ae/ and let’s see how much we can shave off your premium today.