Home Insurance for Contents and Buildings
Home insurance from £190Go to footnote 1
- Brand new replacements if contents are damaged or stolenGo to footnote 2
- Up to £1,000 emergency cash advance with contents insurance3
- Repairs by our approved suppliers guaranteedGo to footnote 4
- 24-hour emergency helpline for support day and night
- Cover included for major risks like flooding, fire, and burst pipes
- Manage your policy online — make changes, check your renewal and access your documents
- Make a claim online
Existing customer?
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:
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 repairsGo to footnote 4
- 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
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 repairsGo to footnote 4
- 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 homeOptional extras
Accidental damage cover
Find out more about adding accidental damage cover to your AXA Home Insurance policy
Personal possessions cover
Find out more about adding personal possessions cover to your AXA Home Insurance policy
Specified items cover
Find out more about adding cover for specified items to your AXA Home Insurance policy
Legal expenses cover
Find out more about adding legal expenses cover to your AXA Home Insurance policy
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 Insurance, AXA 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 2023
5 Star Defaqto rated for 2023
4 Star Defaqto rated for 2023
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 carrry out a temporary fix 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.
Legal expenses
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 pay out
88.2%
of home insurance claimsGo to footnote 5
Of our policy holders
7.5%
needed to make a claim in the last yearGo to footnote 5
On average we pay out
£6,447.21
for each home insurance claim madeGo to footnote 5
What do customers say about AXA Home Insurance?
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 10% of AXA Plus Home Insurance customers paid this or less between 1 August and 31 October 2024
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 2023