Home insurance cover to suit you

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

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Contents insurance

This protects you against loss, damage or theft of your belongings. It’ll cover things like your sofa, TV and valuables. With AXA, you’ll get:

  • Guaranteed repairs4
  • Up to £2m occupiers and public liability cover
  • New for old replacements
  • Cover for alternative accommodation
  • Cover for bicycles up to £350 per bicycle and total bicycles £1,500
  • Option to specify your higher risk items when at home
  • Cover for business equipment
  • Cover for garden contents including plants
  • Cover for digital assets

All of this plus much more. See our full policy documents for more details.

Find out more about AXA contents insurance
Icon of a house on fire

Buildings insurance

This protects you against damage and loss to your building (including outbuildings, exterior and interior walls, roofs and flooring, amongst other things). With AXA, you’ll get:

  • Guaranteed repairs4
  • Up to £2m property owners liability cover
  • Cover for major risks including flooding, fire, burst pipes
  • Cover for alternative accommodation
  • Cover for replacement keys and locks

All of this plus much more. See our full policy documents for more details.

Find out more about AXA home

Optional extras

Our AXA Premier Home Insurance policy includes some of these as standard. See our sample policy wording documents for more details.

What's covered by AXA home insurance?

We’ll help take care of your home at every stage of your life. Choose from our AXA Premier Home InsuranceAXA Plus Home Insurance or AXA Home Insurance policies.

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 combined home insurance covers:

Cover levels

Product

AXA
Premier
Home Insurance

AXA
Plus
Home Insurance

AXA
Home Insurance

Cover item

Defaqto rating

5 Star Defaqto rated for 2022

5 Star Defaqto rated for 2022

4 Star Defaqto rated for 2022

Buildings

Unlimited

£1,000,000

£500,000

Contents

£100,000

£75,000

£50,000

Guaranteed repairs

Included
Included
Included

Accidental damage for buildings

Included

Optional

Optional

Accidental damage for contents

Included

Optional

Optional

Alternative accommodation

£100,000

£50,000

£30,000

Personal possessions

Optional

Optional

Optional

Emergency cash advance

Included
Included
Included

Replacement keys and locks

£1,000

£1,000

£1,000

Legal expenses

£100,000

Optional - up to £50,000

Optional - up to £50,000

Home emergency cover

£1,500

Optional - up to £1,000

Optional - up to £1,000

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 in an emergency?

With our home emergency 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 AXA Premier Home Insurance) 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 while it won’t stop accidents, it’ll stop them from being so expensive to fix.

It comes as standard with AXA Premier Home Insurance which covers both your buildings and contents. If you think you might need it, you can add it to our AXA Plus Home Insurance and AXA Home Insurance products too.

Even if you win the case, legal fees can be very expensive. Get up to £50,000 of legal cover with AXA Home Insurance or AXA Plus Home Insurance (you’ll get £100,000 with AXA Premier Home Insurance), access to a free 24-hour legal helpline and discounts on services like conveyancing.

You’ll get this as standard with AXA Premier Home Insurance but can also add this type of cover to AXA Plus Home Insurance and AXA Home Insurance.

Personal possessions

Extend your home contents insurance to anywhere in the world – we can offer up to £15,000 personal possessions protection for items worth £1,500 each or less. So that even when your belongings are far from home, you know they’re safe as houses.

Specified Items

You can protect your higher risk items whilst at and away from your home by specifying them on your policy. Items valued at more than £1,500 will not be fully covered unless they have been specified.

Student cover

Have your 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.

Option to specify bicycles

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 £350 cover for each bicycle and £1,500 in total as standard when you purchase contents, but you may have the option to specify your higher value bicycles too.

Making claims clear

We paid over

90.5%

of customers’ home insurance claims5

Of our policy holders

2.6%

needed to make a claim in the last year5

On average we paid out

£5,111.58

for each home insurance claim made5

What do customers say about AXA home insurance?

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Policy details

Take a closer look at everything that's included with AXA home insurance by reviewing our sample policy documents.


Landlord insurance

Renting out your property? With AXA landlord insurance, we make protecting your residential property investment simple.

Qualifiers

1 ‘Best Home Insurance Provider’ at the Personal Finance Awards 2021/22 and the What Mortgage Awards 2021

2 Subject to a valid claim. Excess applies. Repair or cash may be offered. Terms and conditions apply.

3 Subject to a valid claim. Payment deducted from final claim settlement. Terms and conditions apply.

4 Three years for building repairs. One year for contents repairs.

5 Data relates to home insurance claims for policies underwritten by AXA Insurance UK plc from January to December 2021