What kind of home insurance would you like?

Times change, and what used to be simply a house to live in has become the heart of your daily life. As every home is different, you need to be able to choose insurance tailored to your home.

What’s more, we’re not all the same, nor do we all have the same needs. Choose to buy online for instant cover on our website, arrange it over the phone, or work with an AXA agent who will adapt the policy to your needs and support you throughout the life of your policy.

Advantages of AXA Home Insurance

Purchase online to enjoy these excellent covers

ECO-HOME

We help you improve your energy performance

With custom advice and a savings calculator

ANTI-SQUATTING SERVICE

If your home is squatted…

We’ll be there for you throughout the entire eviction and damage claims process

LOSS OF RENT

If you let your property…

If you’ve let out your property and it needs to be vacated due to an incident, we’ll cover up to 12 months’ rent

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Find out more about our home insurance options

  • Basic

    This is the right plan for you if you only need a basic cover package that keeps costs to a minimum while ensuring you’re properly insured

    LEARN MORE

  • Comfort

    Upgrade the Basic plan by adding covers: Unfitness for occupancy, Family third-party liability, and breakage of marble, sanitary ware, and ceramic hobs

    LEARN MORE

  • VIP

    Upgrade the Comfort plan by adding further cover: Leaks and water damage, electrical damage and VIP legal protection

    LEARN MORE

What cover and services do I need?

Basic

Comfort

VIP

Covers included

Fire, explosion, fire service, rubble clearance and lightning strike

Basic Comfort VIP

Optional covers

Damage caused by water or other liquids

Included Included Included

Cosmetic restoration of the building structure

Included Included 1 call-out per year €5,000

Theft and robbery at home

1 call-out per year €5,000 Included Included

Glass breakage

Included Max. €1,500 per tree or shrub Max. €1,500 per tree or shrub

AXA Quality repairers

Max. 12 months Max. 12 months €500

Property owners’ liability

€1,000 1%, up to €350 2%, up to €500

Legal defence

Max. 1 month

Home assistance

Breakage of marble, sanitary ware, ceramic hobs and solar panels

Increased theft cover: Includes theft of cash, jewellery and other items, as well as fraudulent use of cards.

Damage caused by adverse weather conditions

Family third-party liability

Smoke, sonic booms, damage caused by falling objects

Total loss, unfitness for occupancy, and temporary relocation

Damage caused by vandalism

Drain unblocking costs

Travel and transport

Leaks and water ingress

Electrical damage

Theft of jewellery

Family third-party liability

Drain unblocking costs

Basic home assistance

Damage caused by tenant vandalism

Comfort Home Assistance

VIP home assistance

Electrical damage

Leaks and water ingress

VIP Legal Defence

DIY

Comprehensive cover for personal injury at home

Trees and shrubs

Loss of rental income

Comprehensive cover

Aesthetic restoration of content

Repair of faults without damage (increased to cover water damage)

Household appliance breakdown

Damage to refrigerated food

Excessive water consumption

Items of artistic value

Computer equipment

Breakage of acrylic glass and aquariums

Unfitness for occupancy due to official decisions

Vehicles in a garage

EMERGENCY RESPONSE PROMISE

Emergencies in less than three hours

We promise to send a specialist in less than three hours if an incident prevents you from entering or living in your home. This includes anything from a fire or flooding to simply leaving your keys inside. And if we don’t keep this promise, we’ll pay for the emergency repair up to €1,500.

We’re here to answer your questions

  • No, under Spanish law it is not compulsory to have home insurance unless your property is mortgaged. In that case, the property must be insured against damage for the full appraised value.

  • No, you are not obliged to take out your home insurance with the bank. 

  • The price of home insurance will vary depending on the profile of the property you wish to insure, taking into account factors such as the type of property, its location and its floor area, amongst others. To get a personalised quote, get a quote or consult with an agent. 

  • Home insurance will cover you and everyone living with you, as well as the property itself if you own it. If you are renting the property, it will cover the property and you as the owner, but not the tenants

  • You can get a personalised quote on our website or contact one of our representatives.

  • Content refers to the possessions inside a home, such as furniture, jewellery, clothing or personal items. Contents also include any food you have in your home.

  • With your home insurance, you can protect your jewellery and works of artistic value. The following are considered jewellery:

    - Items made of gold, silver and platinum, with or without pearls, or set with precious stones.

    - Gold and silver coins that are not part of a collection. Artistic valuables are works of art and antiques, such as tapestries, paintings, carpets and furs, with a value per item exceeding €10,000.

  • No. To ensure that any damage or injury caused by your dog is covered, you have to register it and get the certificate

  • You can include up to at most five dogs

  • Whatever breed your dog is, you can include it in your home insurance

  • Anyone in charge of your dog will be protected against any damage or injury your dog may cause

Need help?

Available 24/7. You can call us, chat with our agents or, if you prefer, we’ll ring you back.

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The terms set out on this website are subject to the general and specific terms and conditions applicable to these insurance policies, as well as to the type of insurance taken out, and provided that the policy is up to date with its premiums.