AXA home insurance

Choose from three levels of award-winning AXA home insurance to protect your home and possessions from unexpected disasters.

Why choose AXA home insurance?

Both the AXA HomeSafe and HomeSure products have a five-star rating by Defaqto.

Plus, its customer service was rated as 4.5 out of five based on more than 66,000 customer reviews on Feefo ^.

And AXA won the Personal Finance Award for best home insurance provider for the year 2021-2022.

So this might give you some reassurance if you’re considering AXA as your new home insurance provider.

AXA home insurance

AXA home insurance facts

AXA home insurance is designed to give you peace of mind that your home and belongings will be protected. It can help you do this by providing:

  • Three flexible levels of home insurance that can be tailored to suit your needs
  • Brand new replacements if your possessions are damaged or stolen
  • Cover for major risks like flooding, fire, and theft
  • A 24-hour emergency helpline for expert support
  • The option to pay monthly or in one annual payment
  • Guaranteed repairs with all levels of cover
  • Plenty of optional extras to get just the right type of cover you need
  • An emergency cash advance with all levels of contents insurance
  • An AXA Account secure area of the website to review and update your policy details

How do I get in touch with AXA?

For general enquiries or for making changes or cancellations to your policy, you can call the AXA customer service team.

For the UK call: 0330 024 1235

Lines are open:

  • Mon to Fri: 8am to 8pm
  • Sat: 9am to 5pm
  • Sunday and bank holidays: 10am to 4pm

For Northern Ireland call: 0289 002 0104

Lines are open:

  • Mon to Fri: 8.45am to 6pm
  • Weekends and bank holidays: Closed

What does AXA home insurance cover?

AXA home insurance offers three levels of cover for buildings and contents insurance with a host of features and benefits that come as standard.

Choose from:

  • HomeSafe (gold)
  • HomeSure (silver)
  • HomeSmart (bronze)

Each level is designed to give you some protection against major risks like fire, flood, theft and subsidence, helping to make sure you won’t be left out of pocket if disaster strikes.

HomeSafe HomeSure HomeSmart
Buildings limit up to Unlimited £1,000,000 £500,000
Contents limit up to £100,000 £85,000 £75,000
Accidental damage for buildings Yes Yes Optional add-on
Accidental damage for contents Yes Optional add-on Optional add-on
Alternative accommodation £100,000 £50,000 £50,000

What does AXA buildings insurance cover?

AXA buildings insurance covers your home against unexpected damage and repairs, this includes protecting your outbuildings and exterior walls, fencing and roof.

It will cover unforeseen events like storms, floods, fires and theft and you’ll find all levels of AXA buildings insurance include the following as standard:

  • Repairs guaranteed for three years
  • Trace and access cover
  • Architects’ fees and debris removal
  • Emergency access cover for buildings and garden
  • Up to £2 million cover for property owner’s liability
  • Replacement locks and keys (amount of cover dependent on level)

AXA HomeSafe buildings insurance

This is the highest level of buildings cover that AXA provides and as well as the standard cover provided, AXA HomeSafe also includes:

  • Unlimited rebuild costs
  • Up to £100,000 in alternative accommodation costs
  • £1,500 of home emergency cover
  • Unlimited cover for moving home
  • £100,000 in legal expenses cover
  • £1,000 in replacement locks and keys

What does AXA contents insurance cover?

AXA’s contents insurance policies provide financial protection against your belongings getting lost, damaged, or stolen.

As well as obvious valuables like jewellery and money, AXA contents insurance also protects your other belongings, including clothing, furniture, and electrical items.

With AXA contents insurance there’s also the option of taking out accidental damage cover if it’s not already included in your policy - it’s included in HomeSafe policies as standard.

All levels of AXA contents insurance include the following as standard:

  • Replacing your old items with new ones if they’re damaged (and can’t be repaired), lost, or stolen
  • Repairs guaranteed for one year
  • An emergency cash advance to pay for essential items
  • From £20,000 in cover for alternative accommodation
  • Cover for money and credit cards
  • Cover for frozen food
  • Replacement key and lock cover
  • Up to £10 million in cover for liability to domestic staff
  • Up to £2 million in occupiers and public liability cover
  • £500 in cover for digital assets and documents
  • £12,000 in tenants’ liability cover

AXA HomeSmart contents insurance

This is AXA’s highest level of contents insurance, and as well as the cover that’s included as standard, HomeSmart cover also includes:

  • A single valuable limit of up to £15,000
  • £2,500 of cover for possessions you take with you when you’re away from home
  • £1,500 of home emergency cover
  • Up to £7,500 in business equipment
  • £5,000 for contents in gardens and outbuildings
  • Up to £10,000 for special events cover, like a wedding or religious festival
  • Cover for £100,000 in legal expenses

What optional extras are available?

AXA knows that everyone has different needs when it comes to insuring their home, so it offers a range of extras you can add to your policy to get just the right type of cover.

With AXA home insurance there are six optional extras that you can choose from:

  1. Accidental damage

    You can add this to your buildings or contents insurance to protect your home from unforeseen breakages and mishaps. This is already included with HomeSmart policies

  2. Personal possessions

    Use this to extend your contents insurance and protect your belongings when you take them out and about with you, whether locally or abroad

  3. Legal expenses

    Protect your family with up to £50,000 in legal expense assistance costs. This cover comes as standard with HomeSmart policies and has a higher limit of £100,000

  4. Home emergency cover

    Helps with home emergencies, including a 24/7 helpline and access to approved tradesmen to fix the problem as soon as possible

  5. Bicycle cover

    Bikes aren’t protected by home insurance, but you can take this out to cover them in your home and everywhere they go, up to £3,000 in total and up to £1,500 per bike

  6. Student cover

    Protect your children's belongings when they’re away in boarding school, halls or student accommodation, with up to £5,000 cover against events like fire and theft

How much does AXA home insurance cost?

This will depend on a number of factors including the level of AXA home insurance you take out and any optional extras you choose.

Insurers will also take into account other factors when calculating your premium, including:

  • Where you live
  • The type of property you live in
  • Your age and claim history
  • Whether you own or rent the property

If you insure both your car and your home with AXA, you’ll typically receive a discount as a thank you, which can help to reduce the cost.

Who is AXA?

Set up in France in the 1800s, today AXA is one of the world’s leading insurance groups, protecting the homes and businesses of millions of people around the globe.

AXA provides a range of insurance products in the UK that extends from travel insurance and private health cover to insurance for homes and cars.

Alongside buildings and contents insurance, AXA also provides a wide selection of other property insurance, including specialist cover for flats and new-build properties.

Frequently asked questions

AXA home insurance is underwritten by AXA Insurance UK plc.

AXA insurance is owned by AXA UK Plc, the holding company of the other companies in the AXA UK Group.

AXA insurance is sold, administered, and underwritten by AXA Insurance plc which is authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FCA).

And as with any FCA regulated company, customers can always contact the Financial Ombudsman if they have a complaint that isn’t resolved.

When you’re comparing and buying insurance, it’s also worth looking at review sites like Trustpilot, Feefo and Reevoo to see what customers are saying about their experiences.

You’ll need to provide a few details about yourself and your home when you apply for a quote.

For example, you’ll be asked to supply your address and say who lives there. You’ll also be asked what type of property it is and how many bedrooms and bathrooms it has, as well as information about any home insurance claims you’ve made in the past.

And you may need to call the AXA helpline and provide more details if your home’s a bit more unusual, like if it’s a listed building or it has more than six bedrooms.

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Buy home insurance with us and we’ll refund your excess if you make a claim. Excludes accidental loss and damage claims^

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^Up to £250 refunded after claim settled. Excludes accidental loss or damage claims. Full T&Cs apply.

^ Feefo data correct as of 10 February 2022.