As we enter 2026, the Lebanese home insurance market is defined by a complete shift toward the “Fresh Dollar” paradigm. To mitigate exchange rate risks and ensure the ability to pay international reinsurers, leading insurance companies now price policies and settle claims exclusively in hard currency.
For homeowners and renters, choosing an insurer with strong reinsurance backing, financial stability, and digital accessibility is critical to protecting assets against infrastructure failures, theft, and ongoing regional instability.
If you are new to the topic, begin with our main guide: Home Insurance in Lebanon: Complete Guide. You may also want to understand why home insurance is now a necessity in Lebanon.
Based on market share, financial robustness, and digital innovation, the following companies are the leading home insurance providers in Lebanon for 2026.
1. Market Leaders by Performance and Market Share
Bankers Assurance
Maintaining its position as the market leader with a 10.4% market share, Bankers Assurance is recognized for its stability and international reinsurance support. It recorded the highest gross written premiums in the property sector through 2024 and remains the benchmark for residential property protection.
Fidelity Assurance & Reinsurance
Ranked second in the market with a 9.8% market share, Fidelity has grown rapidly by simplifying insurance for the average consumer. It is highly recommended for competitive pricing, easy claims handling, and specialized plans for expatriates and non-resident owners.
If you are an expat, you may also want to review: Expatriate Insurance in Lebanon.
Medgulf Lebanon
Holding the third-largest market share at 9.6%, Medgulf Lebanon stands out for its strong reinsurance backing and comprehensive corporate property packages, making it suitable for both individual and institutional property owners.
Business owners should also explore: Commercial Insurance in Lebanon.
2. Digital and Innovation Specialists
Allianz SNA
Allianz SNA combines German standards with Lebanese market expertise, positioning itself as a leader in digital insurance solutions. Its online portals and tracking tools provide transparency and control for modern policyholders.
AXA Middle East
AXA Middle East is a long-established player in Lebanon and is widely praised for its AXA MyWay application, which enables remote policy management and claims settlement—an essential feature for the Lebanese diaspora.
Arab Lebanese Insurance Group (ALIG)
ALIG has built a strong reputation through its digital-first approach, transparent pricing, and mobile-friendly services, making it a preferred choice for tech-savvy renters and homeowners.
Already insured and following up on a claim? Track your claim here.
3. Reliability and “Smart” Protection
Sécurité Assurance
Sécurité is known for its smart insurance solutions and earned public trust by being among the first insurers to fully settle Beirut Port explosion claims before receiving reimbursements from reinsurers. It is a strong option for political violence and all-risk coverage.
LIA Assurex
Formed through a major merger, LIA Assurex offers broad property coverage and is particularly accessible for first-time buyers through its interactive website and responsive customer support.
Arope Insurance
As a subsidiary of BLOM Bank, Arope Insurance benefits from high financial transparency and disciplined claims management, offering secure property and savings-oriented insurance solutions.
Summary: Top Home Insurance Providers in Lebanon for 2026
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| Company | Market Rank | Key Strength | Digital Tool |
|---|---|---|---|
| Bankers Assurance | 1st | Largest Market Share / Stability | Web Portal |
| Fidelity Assurance | 2nd | Price Competitiveness / Easy Claims | Social Integration |
| Medgulf Lebanon | 3rd | Strong Reinsurance Backing | Corporate Portals |
| Allianz SNA | 5th | German Standards / Digital Innovation | MyHealth App |
| Sécurité Assurance | 10th | Proven Solidarity / Smart Solutions | Active Social Support |
Strategic Advice for 2026
When selecting a home insurance policy in Lebanon, ensure it includes a Political Violence rider and that coverage is based on Replacement Cost Value (RCV) rather than Actual Cash Value (ACV).
Because construction material costs in Lebanon are tied to global dollar pricing, ACV-based policies may leave homeowners facing substantial financial gaps in the event of a total loss. RCV coverage has become essential.
External References
- RCV vs ACV explained by the National Association of Insurance Commissioners (NAIC) .
- Political violence and terrorism insurance overview by Marsh .
- Market oversight by the Insurance Control Commission of Lebanon .
Next Steps
Request a personalized quotation here: Get a Quote or learn more about our insurer network: Our Partners.
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