Buildings insurance quotes

With buildings insurance from AXA, you’ll get cover you can count on, whether you’re a first time homeowner, welcoming a new set of tiny feet, or moving into your forever home. And with many benefits included as standard in all three of our products, whatever comes your way – we’ll have you covered.

Buildings cover from £181 per year¹
Defaqto 5 Star Rating for AXA Premier Home Insurance and AXA Plus Home Insurance²
Video claims assessment
24/7 home insurance claims
Guaranteed repairs, for three years
Up to £2 million property owners liability cover
Cover for alternative accommodation

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Home insurance

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Types of home insurance cover
- Buildings insurance
- Contents insurance
- Renters and tenants insurance
- Landlord insurance
- Flat insurance for Buildings and Contents
- Home insurance for new builds
- Flood insurance
- Policy details
Optional extras
- Home emergency cover
- Accidental damage insurance
- Personal possessions insurance
- Student cover
- Bicycle insurance
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Tips and FAQs
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What's covered with AXA home buildings insurance?

Cover levels

Product

AXA
Premier
Home Insurance

AXA
Plus
Home Insurance

AXA
Home Insurance

Cover item

Defaqto rating

5 Star Defaqto rated for 2022

4 Star Defaqto rated for 2022

Maximum sum insured

Unlimited

£1,000,000

£500,000

Guaranteed repairs (3 years)

Included

Accidental damage for buildings

Included

Available as an optional extra

Alternative accommodation

£100,000

£50,000

£30,000

Replacement keys and locks

£1,000

Buildings insurance frequently asked questions

Your home buildings insurance will cover, well, your building. But it’s helpful to think about what that means when you’re deciding if you need it or not. You could think of it as the building itself, as well as it’s fixtures and fittings, so it’s particularly useful for homeowners as your mortgage lender might ask you to have it in place before you buy a property. But do bear in mind; it won’t cover the contents within your building - for that you'll need contents insurance.

AXA’s house buildings insurance will cover damage to your building. It’s useful because it protects your home from a wide range of unforeseen events like storms, floods, fires, and theft. Typically, it also provides cover for your outbuildings, exterior & interior walls, fencing, roofs, and flooring, amongst other things. If you choose AXA’s Premier Home Insurance, you’ll also get cover for accidental damage included as standard. But not all policies cover your building against accidental damage,so it’s always a good idea to check your policy to make sure it includes the cover level you need. Accidental damage makes up over one in three of our claims. That’s pretty high. So it might be worth considering.

Your house is more than bricks and mortar. It’s a home. It’s your home. We get that. So whatever your needs might be our three flexible home insurance policies will fit your stage of life. So whether you chose AXA Premier Home Insurance, AXA Plus Home Insurance or AXA Home Insuranceyou can rest easy knowing your building is covered against the unexpected. You can simply modify our products to your specific needs by adding extras, like accidental damage cover, if you want them. That way, you’ll only pay for what you need, and nothing more.

The amount of house buildings insurance you’re likely to need will depend on the amount you’d need to rebuild your home from scratch – for example in the event of total destruction by a fire or flood. This is usually lower than the market value of the property.

If you’re unsure how much this would be, you can always ask a surveyor to estimate this for you. You can contact one through the Royal Institution of Chartered Surveyors.

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Will I need to add some extras?

It’s always good to check what’s included when you get your quote because some of our optional extras are included as standard with AXA Premier Home Insurance.

But if you do feel like you’re missing some cover that you’re likely to need you can add it as an extra when you’re getting your quote, or by logging in to your AXA online account.

With AXA's buildings insurance, there are three optional extras you can choose from:

Accidental damage

Will protect your buildings against those whoops moments, like accidental damage to your walls, ceilings, fixed glass and doors. This comes as standard with AXA Premier Home Insurance policies.

Find out more about AXA accidental damage cover

Legal expenses

Provide your family with access to expert legal assistance up to the value of £50,000, and a Legal helpline. This comes as standard with AXA Premier Home Insurance which also offers a higher limit of £100,000.

Find out more about AXA legal expenses cover

Home assistance

Broken boilers, burst pipes and blocked drains can be a costly inconvenience. With home assistance, you can call our home emergency helpline at any time of the day and we'll provide cover for a contractor from our approved repairer network to resolve the issue as soon as possible. Call out, works and parts up to a total of £1,000 are covered.

Home emergency cover can be added to AXA Plus Home Insuranceand AXA Home Insurance. It’s included as standard with AXA Premier Home Insurance which also offers a higher limit of £1,500 per claim for call out, labour, parts and materials.

Find out more about AXA home assistance

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¹ 10% of AXA Plus Home Insurance customers paid this or less between 1 January and 31 March 2024.

² 5 Star Rating given by Defaqto for 2021 to AXA Premier and AXA Plus

Buildings insurance quotes | AXA UK (2024)