Founded in France in 1817, Axa is now one of the largest global insurers, providing cover for more than 10 million customers across the UK.
It offers a range of insurance products including home insurance, car insurance and travel insurance, as well as landlord insurance, private health insurance and dental insurance.
Axa belongs to the Axa Group, which owns several other brands including Swiftcover. Its policies are underwritten by Axa Insurance UK plc.
Axa offers the following levels of home insurance cover:
Policy | Policy level | Buildings: maximum sum insured | Contents: maximum sum insured |
---|---|---|---|
AXA HomeSure | Standard | £1,000,000 | £85,000 |
AXA HomeSafe | Premium | Unlimited | £100,000 |
AXA HomeSmart | Essentials | £500,000 | £75,000 |
Table note: The policy scores and information in the panel and tables below are for the Standard level of policy |
What does Axa HomeSure home insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Accidental damage - buildings / £ Accidental damage - contents
Covers accidental damage to personal belongings, fixtures and fittings.
✓ Burst pipes
Covers water damage caused by burst pipes in the property.
✓ Key cover
Covers the cost of replacing keys and locks if your house keys are lost or stolen.
£ Home emergency
Covers call-outs and temporary repairs resulting from a home emergency.
£ Personal possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home.
£ Boiler cover
Covers the failure of a boiler or central-heating system.
£ Legal protection
Cover for legal costs resulting from claims such as property and employment disputes.
Does Axa offer the best home insurance?
Here's how Axa scored in our latest home insurance survey:

To help you find the best home insurance policy, we go the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and factor this in when calculating our policy scores.
Initially, we score all the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then adjust the impact each element has on the overall policy score, depending on how important it is.
Axa's HomeSure home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of Axa's HomeSure home insurance rated
Table last updated in March 2022. Next update in March 2023.
Does Axa offer different levels of home insurance cover?
Axa also offers HomeSafe home insurance, which gives a higher level of cover, and HomeSmart, which offers a lower level of cover. Log in to find out how we rated them.
To see how Axa's home insurance compares with other policies, see our guide on the best and worst home insurance.
How did customers rate Axa's home insurance?
As well as looking at how Axa's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, you can sign up to join Which? to access this review and thousands of others.
Axa home insurance customer satisfaction
Table last updated in March 2022. Next update in March 2023.
'-' means we have insufficient sample size (less than 30) to generate a star rating.
How can you save money on Axa home insurance?
The first offer an insurer makes isn’t necessarily the best it's able to provide. So, before you commit, check what other insurers are offering for comparable cover and ask if your current insurer can better it. Carefully consider what’s optionally included in the quote.
You may want the confidence of an all-singing, all-dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have.
Where you buy your cover from can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying companies direct.
You can buy Axa home insurance online and over the phone, and also via the following price comparison websites:
- Compare The Market
- Confused.com
- Go Compare
- MoneySuperMarket
- Quotezone
Above information correct as of February 2022. For more tips see our guide to getting a cheap home insurance quote.
What is Axa's claims number?
If you need to make a claim with Axa home insurance, call 0330 024 6842.
- Find out more: is it worth claiming on your home insurance?