Home Insurance

Protect everything under your roof
Switch to AXA home insurance

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.

Remember that your landlord’s insurance generally only covers the building where you live – not your personal belongings and your liability. But we have the solution to make you feel secure. 

Home insurance, we offer cover for your:
> Content
> Personal belongings
> Building
> Domestic helpers
> Tenants & occupiers liability

Did you know?
> AXA cover Tenants liability & Legal liability in the event
   of unexpected and natural calamities
> Alternative accommodation, cover while you're away, new for old cover
> AXA is the largest non-life international insurer in the Gulf Region
> AXA has more than 500,000 customers

AXA Gulf is dedicated to providing you with a great service (from quote to claim) and with a range of optional extras

Product summary

Wherever you stay in the gulf, AXA has a 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 simple and
   complete coverage for your building, your household contents,
   personal belongings and legal liability.

Your cover at a glance  

Unexpected events and natural calamities
Your home is insured against damage caused by events like fire, lightning, earthquake, flood, storm, malicious damage, riots, strikes, water leaks, 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 is such that you cannot continue to live there, we will pay reasonable expenses for loss of rent or alternative accommodation

Tenants’ liability
This extension protects you for 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
You’ve legal liability cover for claims made against you by third parties who suffer 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 45 days.

Theft of keys
If keys to the locks of your home are stolen we will pay the cost of replacing locks or lock mechanisms.

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

Visitor’s personal effects
There is cover 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
We did not forget to include some cover for those contents which are kept in the open.

Household removals
We will cover your contents while in transit when you move 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 of 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 licence, residence permit, work permit, iqama - 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 your peace of mind because it has one of the widest covers  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/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 as jewellery, watches and cameras.

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

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