Source: http://qa.muftisays.com/?12946
Question ID: #12946
 
Question: I have a mortage froma islamic home loan , can I be allowed to have home insurance to avoid hardship
"I am currently living in a non-Muslim country and have financed my home through an Islamic bank using an Ijarah (lease-to-own) model. In the event of a disaster that destroys the property, I am concerned about the financial hardship of losing my home while still being liable for the debt. Is it permissible to take out a conventional home insurance policy to mitigate this risk and protect against total financial loss?"
 
 
Answered by: Ulamaa ID 04 (London)
Date: 31/03/2026 19:24pm

بسم الله الرحمن الرحيم

الجواب حامداومصليا

All forms of insurance are not permissible as they have elements of gambling and Riba. Therefore, home insurance will not be permissible.

And Allah knows best.

12 Shawwal 1447/ 31 March 2026


Mufti Qamruzzaman

London, UK
 
www.MuftiSays.com