AXA HOME INSURANCE

Find out more about home insurance from AXA

AXA home insurance offers homeowners cover for buildings, contents, and a combination of the two if you want to save money and ensure you don't fall through any gaps in cover.

AXA contents insurance

Under AXA home insurance's contents insurance, cover starts at £65,000 but can increase to £85,000. In any case the single item limit will stay the same at £12,000.

This means, in the unusual event that you have an item in your home that is worth more than £12,000 it will have to be declared and insured separately. Remember this will hike up your quoted premium.

AXA contents cover will also protect your possessions against all theft and damage by fire as well as flooding and lightning. It also comes with a new-for-old policy on anything stolen or damaged, with the exception of clothes and linen.

Customers can choose to add on optional extras too, such as identity theft cover, bicycle cover and ID protection but, again, this will hike up the premium you pay.

AXA buildings insurance

AXA building insurance taken on a standalone basis covers the bricks and mortar, and fixtures and fittings of your home to a minimum value of £500,000. However, customers have the option of extending cover to protection of £1million.

Buildings insurance from AXA home insurance will pay out in the event your home is damaged or destroyed by fire, flood, theft, storms or water.

Garden cover is thrown in free with AXA's buildings insurance policy but other extras will have to be paid for. Home assistance for example will cover smaller emergencies, such as blocked drains, burst pipes and broken boiler.

AXA combined home insurance cover

The cheapest way of buying AXA home insurance cover is, as always, to purchase both buildings and insurance cover at the same time.

In this case, the insurer offers a 40% discount - so long as you have not made a claim in the past five years.

Shopping around

But while this might sound competitive, it's always worth comparing home insurance companies, their offerings and premiums.