Home Insurance

AXA Home Insurance

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Are you sure your home is well protected? Whether you are buying your dream house or renting a villa or an apartment, don’t let unexpected events like fire or burglary take away the things you value most.

We offer cover for your:

  • Contents

  • Personal belongings

  • Building

  • Domestic helpers

  • Tenant’s Liability

  • Occupiers' liability

Product Summary

Wherever you reside in the Gulf, AXA has the solution to make you feel at home.

AXA home comfort insurance is:

  • A comprehensive flexible package that provides protection for all your personal property needs.
  • Specially designed to provide you and your family with a simple and complete coverage for your building, household contents, personal belongings and legal liability.

Benefits

Home Insurance

Unexpected events and natural calamities

Yes

New for old

Yes

Alternative accommodation

Yes

Tenants’ liability

Yes

Legal liability

Yes

While you’re away

Yes

Stolen keys

Yes

Frozen food

Yes

Visitor’s personal effects

Yes

Contents in the open

Yes

Household removals

Yes

Accidental damage

Optional

Personal belongings

Optional

Domestic helpers

Optional

Main Cover

Unexpected events and natural calamities
Your home is insured against damages caused by events such as fire, lightning, earthquake, flood, storm, malicious damage, riot, strike, water leak, theft and more.

New for old
Your contents are covered on a ‘repair or replacement as new’ basis except for clothing and household linen.

Alternative accommodation
If your home is damaged by an insured peril and its condition does not allow  you to continue to live there, AXA will pay reasonable expenses for loss of rent or alternative accommodation

Tenants’ liability
This extension protects you  from damages caused to the premises rented by you following an insured peril (fire, explosion, etc) and for which you are held legally liable.

Legal liability
Legal liability cover protects you from   claims made against you by third parties who suffer from an injury, loss or damage following an incident at your home.

While you’re away
You’re covered when your home is unoccupied for up to 60 days.

Stolen keys
If the keys to the locks of your home are stolen then  AXA will pay the cost of replacing locks or lock mechanisms.

Frozen food
Covers deterioration of food stored in your refrigerator following its breakdown or  failure of public power supply.

Visitor’s personal effects
Covers for loss or damage to visitor’s personal effects if damaged at your home due to any of the insured perils.

Contents in the open
Covers those contents which are kept in the open (up to a specified limit).

Household removals
Covers your contents while in transit, when moving  from one house to the other within the country.

Optional cover

Accidental damage
The building and contents cover can be further enhanced if this extension is taken which covers loss or damage by any accidental means. 

Personal belongings

> Personal effects including clothing plus specified and listed items such as jewellery, watches, musical, photographic and sports equipment, laptops or any valuable item which you carry outside your home on business or holiday. Cover is on a worldwide basis against all risks.

> Loss of money and credit cards - Cover for loss of money and fraudulent use of your credit cards if stolen is also available.

> Loss of passport, driving  license, residence permit, work permit - we will pay all costs involved in making a duplicate of any of the above documents if they are accidentally damaged or lost anywhere in the world.

Domestic helpers
We will protect you in case you wish to insure your domestic helper(s) who sustains accidental bodily injury which results in death or permanent total disablement, including cover for medical expenses as well as repatriation expenses.

Main exclusions

AXA's home insurance product is designed to give you peace of mind because it has one of the widest coverage in the  market. You should, however, be aware that exclusions do apply and some of these are listed below:

> The first BHD/OMR 25 or AED/QAR/SAR 250 of each and every loss for some covers (slightly higher for the building
   if insured) 
> Loss or damage due to wear & tear, depreciation or any other gradually operating cause 
> Liability arising out of any mechanically propelled vehicles 
> War, nuclear and terrorism

Key Benefits

A policy that gives you value for the cover you need
AXA home insurance provides protection for things you care about such as furniture, rugs, electronic items, toys and personal items such asj jewellery watches and cameras.

Flexible package
Our flexible policy package allows you to decide the level of coverage that best suits your needs.

Fast and fair claim settlement
Our reputation for quality service is a prime reason people choose AXA for their insurance needs. AXA agents and claim representatives are ready to help you in times of need.