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  • Home Insurance

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  • Award-winning* home insurance that's tailored to suit your needs.

    Whether you choose HomeSmart, HomeSure, or HomeSafe, it’s good to know you can rely on AXA for lots of extra features and benefits as standard:


    • Brand new replacements if contents are damaged or stolen1
    • Up to £1,000 emergency cash advance with contents insurance2
    • Repairs by our approved suppliers guaranteed3
    • 24 hour emergency helpline for support day and night
    • Cover included for major risks like flooding, fire, and burst pipes

    Protect your home in minutes

    Get a home insurance quote


    Already got a quote? No problem

    Retrieve a quote

    *Personal Finance Awards 2016/17

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

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

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

  • What's covered?

    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. Here's just some of what's covered with our home insurance:


    HomeSmart
    HomeSure
    HomeSafe
    home-insurance-defaqto-4-star
    home-insurance-defaqto-5-star
    home-insurance-defaqto-5-star
    Maximum sum insured (Buildings)
    £500,000
    £1,000,000
    Unlimited
    Alternative accommodation (Buildings)
    £50,000
    £50,000
    £100,000
    Accidental damage (Buildings)
    Optional
    Yes
    Yes
    Maximum sum insured (Contents)
    £75,000
    £85,000
    £100,000
    Alternative accomodation (Contents)
    £20,000
    £20,000
    £25,000
    Accidental damage (Contents)
    Optional
    Optional
    Yes
    Personal possessions (Contents)
    Optional
    Optional
    £2,500†
    Total valuables (Contents)
    £20,000
    £25,000
    £30,000
    Emergency cash advance (Contents)
    Yes
    Yes
    Yes

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

    For more information see our full cover levels.



  • Cover your home against accidental damage

    Accidental damage makes up more than 1 in 3 of all home insurance claims. That's a lot!

    We've put together a handy video to give you an overview of what accidental damage covers you for, where it's included as standard, and how you can add it your policy if you're an existing customer.

    Get a home insurance quote

    Log in to my AXA Account




  • Why buy home insurance?

    Home insurance covers your house and belongings against life's unexpected events. It covers you against theft, damage by extreme weather, fire, burst pipes, and other losses. Generally, home insurance is categorised by two types of cover — buildings and contents.

    Buildings insurance covers you against damage and loss to, well, your building - so that includes your outbuildings, exterior & interior walls, fencing, roofs, and flooring, amongst other things. Contents insurance protects you against loss, damage, or theft of your belongings – so, the things that make your house a home — such as your sofa, TV, and valuables.

    Why choose AXA?

    Life doesn’t stand still. We get that. That’s why our insurance is built with life’s big milestones in mind. So whatever stage of life you’re at, we’ve got you covered.

    Our three flexible products — HomeSmart, HomeSure and HomeSafe — have been carefully constructed around you. Pick the product that suits you best and then tailor it to your specific needs by adding extra cover — but only if you need it. That way, you’ll only pay for the cover you need — nothing more, nothing less.

    Don't just take our word either — we're proud to have won the title of Best Home Insurance Provider at the Personal Finance Awards 2016/17, as voted for by you.

  • Choosing your optional extras

    We offer a range of optional extras that can be added to your policy when you get a quote, but they can also be added to your policy at anytime via your AXA Account.

    We include some of our optional extras as standard with our HomeSure and HomeSafe policies - so it's always best to check when you get a quote that you have all the cover you need.


    Accidental damage

    Accidents can happen. Drinks can spill, walls can be damaged. When they do it's important to make sure you're protected.


    Home assistance

    Whether your drains are blocked, your pipes burst or your boiler packs up - home assistance takes care of those home emergencies.


    Personal possessions

    With personal possessions cover you can protect the things you carry around with you, like your mobile phone, laptop, money and jewellery.

    Legal expenses

    Protect your family from costly legal expenses with up to £50,000 legal cover.


    Student cover

    Even when the kids have left the nest to go to boarding school, college or university, you can still protect their possessions in their accomodation with AXA's student cover.


    Bicycle cover

    With AXA's bicycle cover for contents insurance, you can protect your bike form theft and from accidental damage in and away from home.


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  • Making claims clear

    AXA is committed to making claims clear. We paid over 85% of customers’ home insurance claims in the last year*.

    4% of our home insurance policy holders needed to make a claim in the last year, with an average claim pay out of £3,414*.

    We are committed to paying home insurance claims and getting our customers’ lives back to normal as quickly as possible.

    Find out about the most common situations why a claim might not be paid here

    *Data relates to personal home insurance claims for policies underwritten by AXA Insurance UK plc from April 2016 to March 2017 inclusive

  • Also consider

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    Car Insurance

    It's reassuring to know your car's in safe hands. With AXA car insurance you can now rely on protection against uninsured drivers, our lifetime repair guarantee and lots more.

    Car Insurance
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    Travel Insurance

    AXA already looks after millions of people around the world. With our travel insurance we can take great care of you too.

    Travel Insurance
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