* Personal Finance Awards 2019/20

1 subject to a valid claim, excess applies, repair or cash may be offered. T&Cs apply

2 subject to a valid claim, payment deducted from final claim settlement, T&Cs apply

3 three years for building repairs, one year for contents repairs

Do I need home insurance?

Ask yourself: do you want your home to be protected in the event of flood, fire, theft or other accidental damage? Or would you rather deal with the expense and the stress on your own? Add to that the fact that some mortgage providers might actually need you to have buildings cover. It’s more than a minor detail.

We’ll cover your house and belongings against life’s unexpected events. We offer building and contents insurance – plus a range of added extras to make sure you get the protection you need.

What does home insurance cover?

Whether it’s theft, damage by extreme weather, fire, burst pipes and other losses - we offer two main types of cover.

Buildings insurance: this protects you against damage and loss to your building (including outbuildings, exterior and interior walls, roofs and flooring, amongst other things).

Contents insurance: this protects you against loss, damage or theft of your belongings. It’ll cover things like your sofa, TV and valuables.

What do I need to get a home insurance quote?

Keep your details handy. These will include details of your property – from type, number of bedrooms and who lives there, in addition to details about you.


What's covered by AXA Home Insurance?

We’ll help take care of your home at every stage of your life.

Choose HomeSmart, HomeSure or HomeSafe. Whatever you choose, feel at peace knowing that you’ve got protection against major risks like fire, flood, theft, escape of water and subsidence.

With plenty of extra benefits included, we’ll give you the cover that gives you peace of mind.

Here’s a breakdown of what our home insurance covers:





Maximum sum insured (Buildings) £500,000 £1,000,000 Unlimited
Alternative accommodation (Buildings) £50,000 £50,000 £100,000
Accidental damage (Buildings) Optional
Maximum sum insured (Contents) £75,000 £85,000 £100,000
Alternative accommodation (Contents) £20,000 £20,000 £25,000
Accidental damage (Contents) Optional Optional
Personal possessions (Contents) Optional Optional £2,500†
Total valuables (Contents) £20,000 £25,000 £30,000
Emergency cash advance (Contents)

†With increased protection to £30,000 available as cover option

Look at the full cover levels of our three products here.


Protect your home against accidental damage

Did you know that accidental damage makes up more than 1 in 3 AXA home insurance claims?

Find out what accidental damage covers with this explainer video.

It’ll give you an idea of where it’s included as standard, and how existing customers can add it to their policy.

What extra insurance do I need?

Choose from our range of additional extras to create the cover that fits your home.

Home assistance

Got a blocked drain, burst pipe or broken boiler – but no time to fix them?

With our Home Assistance Helpline, we’ll arrange for an authorised contractor to fix it as soon as possible. Plus, it’ll cover you for up to £1,000 (£1,500 with HomeSafe) per claim for call-outs, work and parts required.

Accidental damage

Bad things happen to good people. Maybe your window’s broken, you’ve cut through an electric cable or drilled through a pipe. Whatever’s happened, our accidental damage cover offers you extra protection. And whilst it won’t stop accidents, it’ll stop them from being so expensive to fix.

It comes as standard on buildings with HomeSafe – and covers your buildings and contents on HomeSure. If you think you might need it, you can add it to HomeSmart too.

Legal expenses

Even if you win the case, legal fees can be very expensive. Get up to £50,000 of legal cover with HomeSmart and HomeSure (you’ll get £100,000 with HomeSafe), access to a free 24-hour legal helpline and discounts on services like conveyancing. You’ll get this as standard with HomeSafe but can also add this type of cover to HomeSmart and HomeSure insurance.

Personal possessions

Extend your home contents insurance to anywhere in the world – we can offer up to £30,000 personal possessions protection. So that even when your belongings are far from home, you know they’re safe as houses.

Student cover

Kids flown the nest? Make sure their possessions are safe when they’re staying away at boarding school, college or university – we offer up to £5,000 of cover per student.

Bicycle cover

Main mode of transport or trips with the kids – however you use your bike, we can help you to keep it safe. You’ll get up to £1,500 cover for each bicycle and £3,000 in total.

We’re dedicated to clearer claims


Customer claims paid in 2019


Home insurance policy holders needed to make a claim


Average claim pay out was £4,618

● Data relates to Home insurance claims for policies underwritten by AXA Insurance UK plc from May 2018 to April 2019 inclusive.

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Policy details

Look at what’s on offer with our sample policy documents.