How to Keep a Building Insurance Policy Schedule for a Dubai Rental

Someone has said the building is insured. That message is not the insurer’s policy schedule. The file for this tenancy is the schedule that names the insured and this Dubai home, with each endorsement stored beside it. Read the insured, the home, and the covers in the words already printed there. The annual air-conditioning service contract, the furnished contents list, and the lender’s written consent to let are other files.

Disclaimer: IziRento is operations software, not legal advice. Local tenancy rules vary; check a qualified adviser for binding decisions.

The schedule that names this home

The page to keep is the insurer’s policy schedule for this home. Dubai National Insurance’s specimen home wording says the policy is valid only for the covers selected, and it points to the policy schedule to verify them. In that wording, “this policy” includes the schedule and any sections, specifications, or endorsements attached to it. Buildings are the structure at the address shown in the schedule.

GIG’s Home Comfort wording says the attached schedule specifies the cover selected and is the evidence of insurance.

Salama’s home takaful wording, distributed by Al Hilal Bank, treats an endorsement as an agreed change shown on the schedule. The schedule is the validation page, naming the insured, the period of insurance, the sections insured, and the other particulars already printed there.

The unified Ejari tenancy contract — Ejari is Dubai’s tenancy registration — covers use, written approval for alterations and subletting, utilities, rent, regular maintenance unless a written condition says otherwise, and registration. It does not name a building insurance policy schedule. Clause 13 says the Arabic text prevails.

A developer guide dated 9 July 2026 lists identity, a title deed, the tenancy contract, a valuation, a contents inventory, and mortgage details where they apply. It does not name the policy schedule or an endorsement.

What stays off the schedule

Article 41(c) of Law No. (6) of 2019 includes the owners’ insurance premiums in the service charges, calculated from the insurance contracts. Article 30(e)(4) allows the service-charges account to pay those premiums. A service-charge receipt records that payment. The Mollak budget — Mollak is Dubai’s service-charge system — and the management contract stay with the building’s accounts. None of those papers is the policy schedule.

The Land Department’s answer to “What is the sum insured and what is its purpose?” describes the security deposit. The landlord asks for insurance so the place can be repaired, and the tenant may recover the deposit where the damage is ordinary daily use. Law No. (26) of 2007, on its English page, leaves maintenance during the lease with the landlord unless the parties agree otherwise, and it allows that deposit to be refunded, or the remainder returned, when the lease ends. The page does not name an insurer or a policy schedule, and the Arabic text prevails.

The Ejari tenancy guide, for an owner who leases and manages the property himself, says insurance is maintained with a property insurance company, and that the insured sum the parties agreed is identified. Any figure already on the schedule stays there. The guide does not refuse a tenancy contract because the schedule is missing. A missing schedule is not an Ejari portal block.

Emaar Community Management’s page for Dubai Marina describes that building’s policy as cover for the structure. It excludes a resident’s belongings and later modifications to fittings that were not part of the unit. Extra perils on that page are that community’s cover, not part of Article 41.

A mortgagee or other interested party already named on the schedule stays in this file. The lender’s written consent to let is a separate letter. Law No. (6) of 2019 and Law No. (26) of 2007 do not say that every mortgaged home must carry building insurance.

The schedule and the endorsement

The schedule names the insured, this home, and the covers selected. The endorsement is the agreed change kept with that schedule.

GIG’s wording says a change in the use, nature, or amount of the property insured takes effect after the insurer agrees and issues an endorsement. If this policy says the change waits for that endorsement, keep the endorsement with the schedule.

The item-by-item furniture list, with quantity and condition, stays on the furnished contents inventory. File the schedule when it names the insured, this home, and the covers selected, even if a photograph is missing. A photograph already in the pack stays with the schedule.

Whose page goes on the unit

Law No. (6) of 2019 is the jointly owned property law in Dubai. Article 41(a) requires the management entity to insure the jointly owned real property for maintenance and reconstruction if there is fire, damage, or destruction for any reason, and names that entity as the beneficiary. Article 41(b) requires cover against liability for damage and for bodily injuries to occupants or third parties. Article 51 repeals Law No. (27) of 2007. Older bylaws continue only where they do not contradict this law.

A management entity is in charge of common facilities, jointly owned real property, or common parts, and may be a developer, a management company, or a hotel project management company. Article 3 applies the law across the Emirate, including special development zones and free zones. Article 49 moved earlier owners’ association rights and obligations to these entities.

Where the home is jointly owned real property, file the management entity’s schedule or certificate that names this building or this unit, and leave the service-charge papers with the building budget. The landlord does not buy a second building policy over the management entity’s cover. Where the home is outside that law, file the insurer’s schedule the owner already holds.

Protocols, budgets, and the service-charge account stay with the management entity.

Stop when this unit’s tenancy file holds the insurer’s building policy schedule that names this home, with each endorsement stored beside that schedule. Do not state a premium, a percent, a fee, or a deadline. If the paper is the annual air-conditioning contract, leave it on that file. If the paper is the furnished contents list, leave it on that inventory. If the paper is the lender’s consent to let, leave it on that letter.

IziRento can store the schedule and the endorsements on the unit record. It does not buy the policy or notify the insurer.