Home Insurance NI

Home Insurance NI

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Policy terms and conditions apply. Minimum premium is £146. A 35% discount applies if you have been claims free for 3 consecutive years, 20% after 2 consecutive years and 10% after 1 year without a claim.

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Why our customers choose AXA Home Insurance

We’ve got a wide range of benefits that come as standard, with optional extras so you can customise your cover in a way that suits you. That's why so many customers in NI choose AXA year-in-year-out.

Our standard benefits include:

Emergency Home Assistance

Our 24/7 call-out service that covers minor home emergencies, such as issues with your plumbing, broken windows or damage to your roof.

Replacement locks

Lost your keys or had them stolen from your home? We’ll cover you up to £500 towards replacement locks and a new set of keys.

Alternative accommodation

If your home is damaged and unfit to live in, we'll pay for alternative accommodation while your home is being repaired.

Escape of water

Covers water damage from pipes, washing machines, dishwashers and other bathroom and kitchen appliances.

More benefits and extras
*Terms and conditions apply. To learn more, please refer to our policy document for more information.

Get more cover with some of our optional extras:

Optional extra

Extended Personal Belongings

We all have things that never leave our side on a day-to-day basis. This cover includes items you would usually take with you when you’re away from your home like your phone, laptop, watch or camera.

Optional extra

Accidental Damage Cover

We know accidents can happen, this add-on is designed to protect you from damage caused by things like spilling paint on your carpet or putting your foot through the attic floor.

Optional extra

Personal Accident Cover

This add-on covers you, your partner, or your children for injuries arising from accidents within your home. (up to a max. £5,000)

Optional extra

Bike Cover

Cycling in Northern Ireland is on the rise. That’s why we have this extra cover for your bike(s) up to the value of £4,000 on your home policy.

*These optional add-ons are provided at an additional cost.

Compare types of home insurance cover

There are different types of policy cover available to you according to your specific needs. If you need to insure your house, your contents or both you can explore the options below and visit our Benefits & Extras page if you'd like to know exactly what's covered.

Building & Contents

Our most comprehensive home insurance policy. This cover protects both your property’s buildings and your personal valuables in the home. (Specialised items like bicycles not included as standard.)

Buildings

Cover that protects your house, sheds, outhouses and permanent fixture like kitchen units or bathroom fittings.

Contents Only

This cover is perfect if you’re renting a home, or you own an apartment in Northern Ireland. It covers your most-loved items like furniture, clothing and other valuables within the home.

Learn more
Read what our home customers in NI are saying...

We pride ourselves on our exceptional service and always strive to provide a great experience for our valued customers in Northern Ireland.

Our customer reviews are independent and unbiased. They reflect on why we’ve been awarded a Platinum Trusted Service Award from Feefo for the last 4 years.

Read customer reviews
/5

This score is based on reviews .

No matter which cover you choose, you have peace of mind with:
MyAXA

Access your home cover details whenever you like.

Claims helpline

Available day and night on 02890 020104.

Local NI support

Support is always at hand from our team based in Northern Ireland.

Related products

Have you explored our other home products? We offer specific cover for holiday homes and landlords.

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Renting out your property isn’t always straight forward, especially when it comes to insurance. Protect your property and rental income (in the event of a claim) under one simple policy by getting a quote below.

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Home insurance FAQs

Here are some of the popular questions people have about home cover with AXA.

  • Although home insurance is not required by law, many mortgage providers will require you to have buildings insurance in order to receive your loan. This is to make sure your building is protected which helps protect their investment.

    For most people, their home is their most valuable asset, which is why it's important to have it protected.

    Without home insurance, in the event of any incident you may be left to pay out of pocket, which often can be quite a financial burden.

    Our Home Insurance policies help protect you, your home and all your belongings from the unexpected giving you the peace of mind that we are always here to help.

  • Yes, our standard Home Insurance policy with buildings and contents cover also extends to any outbuildings located on your property, which also includes the structure and the contents of your garage or shed.

    Terms and conditions apply.

    You'll find more details in your policy booklet.

  • We just need to know some basics about your home in order to give you a quote. These include:

    • The address
    • Type of home
    • Number of bedrooms
    • When it was built
    • The type of heating your home has.
    • Estimated cost of rebuilding the home
    • The amount you’d like to insure your contents for (If choosing Buildings & Contents or Contents only.)

  • The standard excess on our Home Insurance policy is £50. Claims for the escape of water are subject to £300 excess and subsidence claims have an excess of £1000.

    You can also opt for an additional voluntary voluntary excess in return for a premium reduction. The excess amount is noted on your Schedule, which you can view through your MyAXA account. To register for MyAXA, please visit here.

    Terms and conditions apply.

    You’ll find more details in your policy booklet.

  • When you're buying home insurance, the amount you should insure your building for, should be the rebuild value of your property. The rebuild value of your property is the amount of money it would take to rebuild your home from scratch - not the market value of your home if you were to sell it.

    When calculating the rebuild value you will need to take into account the price of labour and materials, along with the cost of the site clearance, and architect fees. The calculation should also include any outbuildings/ sheds boundary walls located on your property.

    Please note: That the current market value of your home is not the rebuilding cost of the property, as it takes into account the land on which your home is built.

    If in doubt we recommend visiting the Association of British Insurers website and using their calculator to work out the rebuilding cost.

More home insurance FAQs

Helpful property tips and advice

Check out some of our more recent blogs with tips & advice on how to take care of your home.

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Existing NI customers

Manage your home policy, make a claim, request documents and more with MyAXA. If you need something else, our contact us page for home insurance should be able to take care of you.

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