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  • Levels of cover

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  • Overview

    AXA can help take care of your home at every stage of your life. Whether you choose HomeSmart, HomeSafe or HomeSure, you can feel at ease knowing that cover is included for major risks like fire, flood, theft, escape of water and subsidence. Plus with many extra benefits included, peace of mind comes as standard with AXA.

  • Buildings Cover

      HomeSmart HomeSure HomeSafe
    Maximum sum insured £500,000 £1,000,000 Unlimited
    Alternative accommodation £50,000 £50,000 £100,000
    Replacement keys and locks £500 £1,000 £1,000
    Trace and access £5,000 £5,000 £5,000
    Architects fees and debris removal Included Included Included
    Emergency access (Buildings) Included Included Included
    Emergency access (Garden) Included Included Included
    Moving home (Contracting Purchaser) Up to Buildings Cover maximum limit Up to Buildings Cover maximum limit Unlimited
    Property owners liability £2,000,000 £2,000,000 £2,000,000

    Contents Cover

      HomeSmart HomeSure HomeSafe
    Maximum sum insured £75,000 £85,000 £100,000
    Total valuables £20,000 £25,000 £30,000
    Single valuable limit £5,000 £10,000 £15,000
    Money £500 £1,000 £1,000
    Credit cards £1,000 £2,000 £2,000
    Alternative accommodation £20,000 £20,000 £25,000
    Frozen food £500 £1,000 £1,000
    Business equipment £5,000 £7,500 £7,500
    Contents in outbuildings £2,500 £5,000 £5,000
    Contents in garden (inc. plants) £2,500 £2,500 £5,000
    Visitor effects £500 £1,000 £1,000
    Special events increase £7,500 £7,500 £10,000
    Replacement keys & locks £500 £1,000 £1,000
    Digital assets £500 £500 £500
    Documents £500 £500 £500
    Liability to domestic staff £10,000,000 £10,000,000 £10,000,000
    Tenants liability £12,000 £12,000 £12,000
    Occupiers and Public liability £2,000,000 £2,000,000 £2,000,000

    Additional Cover

      HomeSmart HomeSure HomeSafe
    Home assistance Not included – available as cover option up to £1,000 Not included – available as cover option up to £1,000 £1,500
    Accidental damage (Buildings) Not included – available as cover option Included Included
    Accidental damage (Contents) Not included – available as cover option Not included – available as cover option Included
    Legal expenses Not included – available as cover option up to £50,000 Not included – available as cover option up to £50,000 £100,000
    Personal possessions Not included – available as cover option Not included – available as cover option £2,500 (With increased protection available as cover option)
  • Insurance Made Simple

    At AXA, we’ll always try to give you all the information you’ll need to make an informed choice on the home insurance that’s right for you.

    But if you’d like some free, independent advice on home insurance, you can visit askciindy.com, the Chartered Insurance Institute’s ‘Insurance Made Simple’ website.