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ISLAMIC PROPERTY INSURANCE-HOME TAKAFUL

ISLAMIC PROPERTY INSURANCE-HOME TAKAFUL

What is an Islamic property insurance ?

An Islamic property insurance—home takaful is defined by a Shariah-compliant contract that provides indemnity for private dwellings and household contents against specified risks.

The home takaful is a protection product whose purpose is to restore the homeowner or occupier to their pre-loss position, up to the agreed sum insured and subject to stated limits and conditions, while adhering to Islamic principles.

The Islamic property insurance propose settlement that is made on an indemnity or reinstatement/replacement basis as specified, with deductibles/excesses, sub-limits, security and maintenance conditions, valuation requirements, and compliance with applicable law; the contract also specifies any high-risk or valuable items that need separate declaration and limit management.

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What risks are covered by an Islamic property insurance ?

Here’s what a home takaful (Islamic property insurance) typically covers—same practical protection as a modern home policy, but structured and invested in a Shariah-compliant way.

Core property risks (buildings and/or contents)

    • Fire, lightning, explosion, smoke

    • Theft or attempted theft, malicious damage/vandalism

    • Storm, wind, hail, cyclone, bushfire/wildfire, and flood (often optional or area-dependent)

    • Escape of water (burst pipes, tanks, appliances), oil leakage

    • Impact (vehicle/animal/aircraft/trees), falling objects

    • Riot/civil commotion, glass breakage

    • Earthquake (and tremor-related damage), subsidence/landslide/heave (sometimes an add-on)

    • Outbuildings, garage, fences, fixed outdoor items (if listed), and tenant improvements (if applicable)

Extra costs & add-ons (wording-dependent)

    • Alternative accommodation / loss of rent after an insured event

    • Debris removal, professional fees, and reinstatement costs

    • Trace & access to find the source of leaks; lock & key replacement

    • Accidental damage (buildings/contents) as an optional extension

    • Personal possessions away from home (phones, laptops, jewellery—often with item limits)

    • Money/documents, frozen food, garden plants & outdoor furniture

    • Home emergency, legal expenses (optional in some markets)

Liability covers

    • Occupiers’/personal liability for injury or property damage to third parties

    • Property owners’/landlord liability (if the home is let)

    • Domestic employers’ liability (where required for household staff)

    • Optional trustees/management or event liability for community use of the premises

Landlord-specific (if insured as a let property)

    • Loss of rent or rent default (where offered), malicious damage by tenants

    • Landlord fixtures, appliances, and owner’s liability for common areas

Which home Takaful insurers propose an Islamic property insurance ?

Here are home / property / general / home takaful / Sharia-compliant property insurance providers for UAE, UK, USA, Canada, Malaysia, Pakistan and Indonesia.

UAE

    • Salama (Islamic Arab Insurance Co.) — offers Home Takaful, Home Content Takaful. SALAMA

    • ADIB — “Household Takaful” / home content coverage. adib.ae

    • Watania Takaful General / National Takaful Company “Watania” — general takaful provider; likely to have property/home related covers under general takaful. 

UK

    • NDI Takaful & Retakaful Ltd — a fully Shariah-compliant broker in the UK working with insurers to offer takaful products, including home insurance types. NDI Insurance

    • Islamic Mortgages / Islamic Mortgages info site — offers “Islamic Home Insurance – Takaful” as an alternative form. islamicmortgages.co.uk

USA

    • (No strong evidence found of mainstream “home takaful” insurers in the U.S. as of current searches. Takaful insurance is much less developed in the U.S.)

Canada

    • Ansar Co-operative Housing Corporation Ltd — provides takaful for home and auto insurance needs via a cooperative model. SHARIA BANKING

    • GetTakaful.ca — offers Shariah-compliant house insurance (“house insurance with takaful / Shariah-compliant protection”). gettakaful.ca

Malaysia

    • Takaful Malaysia — major provider of both family and general takaful, including home / property covers. 

    • Etiqa Insurance & Takaful (Maybank Group) — offers general takaful including property/home risks. 

Pakistan

    • Pak-Qatar General Takaful Limited — has a “Home Takaful” product. pqgtl.com.pk

    • Jubilee General Insurance (Pakistan) — offers “HomeCare Takaful” (i.e. home takaful option). jubileegeneral.com.pk

Indonesia

    • Zurich General Takaful Indonesia (Zurich Syariah) — offers shariah-based general insurance / takaful products, including “Rumah Tinggal Syariah” (home insurance / protection for dwellings) under Shariah principles. zurich.co.id

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