Axa home insurance review

We've looked at the home insurance offered by Axa, which can tailor policies to suit individual needs.

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Great service and competitive prices reported by customers
Accidental damage not included in lowest cover level

There are three different levels to Axa’s home insurance, which suits a range of requirements and budgets. These are also flexible and can be tailored to suit individual requirements with optional extras such as accidental damage, legal expenses and home assistance cover. What’s more, Axa’s building insurance and contents insurance can be bought separately.

Here’s what else we think you should know about Axa home insurance.

Who is Axa?

AXA offers a range of personal and business financial products, including home, travel, van and car insurance.

AXA has been in operation in one form or another for almost 300 years, but after several acquisitions, mergers and name changes, AXA itself was formed in 1985. AXA Group operates in 64 countries and is one of the largest insurance companies in the world.

What are Axa’s cover options?

Axa offers three home cover levels to suit individual needs. These include:

  • HomeSmart. Axa’s lowest level of home insurance
  • HomeSure. Axa’s mid-level home insurance
  • HomeSafe. Axa’s highest level of home insurance

Axa’s building and contents policies can be bought separately or combined.

What is covered under my policy?

Check out some of the features of Axa’s three home insurance options below.

Cover featuresHomeSmartHomeSureHomeSafe
Buildings Sum Insured
Max buildings sum insured£500,000£1 millionUnlimited
Alternative accommodation£50,000£50,000£100,000
Accidental damagex
Contents insurance£150,000£150,000
Maximum contents sum insured£75,000£85,000£100,000
Alternative accommodation£20,000£20,000£25,000
Accidental damagexx
Personal possessionsxx£2,500
Total valuables£20,000£25,000£30,000
Emergency cash advance

For a full list of benefits, check out Axa’s home insurance policy document.

Optional extras

Axa offers increased protection that can be added to a home insurance policy, including:

  • Accidental damage cover
  • Home assistance cover
  • Personal possessions cover
  • Legal expenses cover
  • Student cover
  • Bicycle cover

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

You’ll find details about your excess in your Axa home insurance policy document.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Axa home insurance premium, including:

  • The cover option you choose. The upgraded buildings, contents and combined cover policies offer more features and broader cover than Axa’s primary cover options, which will likely be reflected in the price.
  • Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
  • Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your home is located. Certain risks, for example, storm and theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premiums.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for Axa?

You should call the Axa 24/7 claims line on 0330 024 8086. Alternatively, you can make a claim online via the Axa website.

Axa recommends that you have the following information to hand before making a claim on your home insurance:

  • Your policy details and personal contact details.
  • Details about what has happened.
  • Details about the insured property such as its age or whether it is listed or not.
  • Details about the property’s structure and information about relevant rooms such as conservatories or porches or the number of bedrooms and bathrooms.

It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.

Axa pros and cons


  • Axa’s different cover options suit different requirements and budgets.
  • Axa’s home insurance policies can be enhanced with extra protection.
  • Claims can be made via 24/7 claims line or online.


  • Accidental damage is not included in the lowest level of cover.

Home insurance ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our customer satisfaction scores ("Customers say") are based on a survey of 2,414 customers carried out in December 2022.

Learn the details of our methodology and scoring.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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