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 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 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

AXA will cover deterioration of food stored in your refrigerator following its breakdown or  failure of public power supply.

Visitor’s personal effects

AXA will  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

AXA will cover those contents which are kept in the open (up to a specified limit).

Household removals

AXA will cover your contents while in transit, when your 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 of  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
• 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

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  jewelry, 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.