AXA home insurance

Why choose AXA home insurance?

Building repairs guaranteed for 3 years.
Optional extras available to add to your policy.
Accidental damage cover as standard with its HomeSafe policy.

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Who is AXA?

Headquartered in Paris, AXA is one of the world’s leading insurers, with the group having 153,000 employees and distributors across 54 countries. AXA traces its roots back to Normandy in France, where it was founded in the early 19th century under the name Ancienne Mutuelle de Rouen, specialising in property and casualty insurance.

The company enjoyed rapid expansion in the second half of the 20th century through both organic growth and acquisitions to become one of France’s biggest insurers, with the AXA name emerging in the mid-1980s.

AXA used the same strategy abroad during the 1990s and beyond, enabling it to fast become one of the world’s largest insurance groups.

These days AXA is a household name in the UK, offering home, car, van, travel, health, landlord and business insurance. It provides cover to over 10 million customers in the UK alone across all its insurance lines. AXA was voted Best Home Insurance Provider at The Personal Finance Awards 2020/2021 and 2021/2022.

AXA home insurance policy details

AXA offers two main types of cover: buildings insurance and contents insurance.

AXA sells home insurance under the HomeSafe, HomeSure and HomeSmart products, with HomeSafe generally providing a higher level of inbuilt protection and HomeSmart the lowest.

AXA offer a range of home insurance policy types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.

Buildings insurance covers you against damage and loss to your building, including outbuildings, exterior and interior walls, roofs and flooring.

AXA’s buildings insurance gives you:

Cover for major risks including flooding, fire and burst pipes
Unlimited buildings cover with HomeSafe, up to £1m with HomeSure and £500,000 with HomeSmart
Building repairs by approved suppliers are guaranteed for three years
Up to £2m property owners’ liability cover against claims for personal injury or property damage from third parties
Replacement keys and locks insurance – up to £1,000 of cover with HomeSafe and HomeSure, while you get £500 with HomeSmart
Accidental damage for buildings is included as standard with HomeSafe and HomeSure
HomeSafe also includes up to £100,000 legal expenses cover and £1,500 of home emergency assistance cover.

Contents insurance protects you against loss, damage or theft of your belongings.

Contents cover of £100,000, £85,000, and £75,000 with HomeSafe, HomeSure and HomeSmart respectively
Contents repairs by approved suppliers are guaranteed for one year
Up to £2m occupiers’ and public liability cover
New-for-old replacements
Alternative accommodation cover– up to £100,000 with HomeSafe, while you get a maximum of £50,000 with HomeSure and HomeSmart
Digital assets insurance
Insurance for your garden contents, including plants
Up to £1,000 emergency cash advance – this is subject to there being a valid claim, with the payment being deducted from your final settlement
Accidental damage for contents is included with HomeSafe
HomeSafe also includes personal possessions cover of £2,500 as standard.

AXA home insurance optional extras

Accidental damage insurance protects against the costs of repairing or replacing something that's been damaged or destroyed in an accident.

You can add accidental damage cover for buildings to your HomeStart policy as an optional extra – it’s already included with HomeSafe and HomeSure.

You can also choose to add accidental damage contents cover to HomeSure and HomeStart – HomeSafe has this included as standard as well.

Home assistance can be added to HomeSure and HomeStart, giving you up to £1,000 of cover to get things like a blocked drain, burst pipe or broken boiler fixed in an emergency, with 24/7 callout.

Home assistance is already included with HomeSafe as standard, with up to £1,500 of cover.

Legal expenses cover can be added to give you £50,000 of cover for legal fees with HomeSure or HomeSmart. You’ll also get access to a free 24-hour legal helpline and discounts on services like conveyancing. HomeSafe comes with £100,000 in legal expenses cover as standard.

Personal Possessions cover of up to £30,000 can be added to your policy. This insures your belongings even when you take them with you to the other side of the world. HomeSafe includes £2,500 of personal possessions cover as standard.

Student cover will insure your kids’ possessions for up to £5,000 when they are away at boarding school, college or university.

Bicycle cover will give you £1,500 of cover for each bicycle – up to £3,000 in total.