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HSBC Home Insurance

HSBC Home Insurance

Let the heart rule the moment.

And let the mind be at peace with AXA Home Insurance.


AXA Insurance

Protect your most treasured possessions.

Your home is where your heart resides, as well as most of your prized possessions - whether it's electronics, jewellery or furniture. With AXA Home Insurance, you can bring home peace of mind by making sure that your property, home contents and personal possessions are covered for unexpected loss or physical damage.


AXA Insurance

AXA has the 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 a simple and complete coverage for your building, your household contents, personal belongings and legal liability
Benefits Home Insurance
Unexpected events and natural calamities
Alternative accommodation
Tenants' liability
Legal liability
While you're away
Stolen keys
Frozen food
Home Assistance Visitor's personal effects
Contents in the open
Household removals
Accidental damage
Personal belongings Optional
Domestic helpers Optional

Choose the plan that suits you best

Pricing (fixed premiums p.a) Apartment Villa
Contents AED 0 - 75,000 390 325
AED 75,000 - 150,000 556 463
AED 150,000 - 250,000 826 688
AED 250,000 - 350,000 1,096 913
Personal Belongings AED 0 - 25,000 234 216
AED 25,000 - 50,000 469 431
AED 50,000 - 100,000 938 863
AED 100,000 - 150,000 1,406 1,294

Main Covers 

  • Unexpected events and natural calamities

    Your home is insured against damages caused by Accidental Damages and events such as fire, lightning, earthquake, flood, storm, malicious damage, riot, strike, water leak, theft and more.
  • Alternative accommodation

    If your home is damaged by an insured incident and its condition does not allow you to continue to live there, AXA will pay expenses (as per policy coverage) 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 incident (as per policy coverage) 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 are 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 freezer following its breakdown or failure of public power supply.
  • Visitors' personal effects

    AXA will cover for loss or damage to visitors' personal effects if damaged at your home due to any insured incident.
  • Contents in the open

    AXA will cover those contents which are kept in the open (as per the policy coverage).
  • Household removals

    AXA will cover your contents while in transit, when you're moving from one house to the other within the country using a professional mover.


Optional cover

  • Tenant's Liability Cover

    AXA will, for an additional cost, increase your tenant's liability to a figure of up to AED 5,000,000, to cover your liability as a tenant.
  • Personal belongings

    • Personal effects including clothing plus specified and listed items 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 (as per policy coverage)
    • Loss of money and credit cards - Cover for loss of money and fraudulent use of your credit cards if stolen
    • Loss of passport, driving license, residence permit, work permit- AXA will pay the costs involved in making a duplicate of any of the above documents if they are accidentally damaged or lost
  • Domestic helpers

    AXA will provide protection if 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.


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 packages allow you to decide the level of coverage that best suits your needs.
  • Customer support in claims settlement

    AXA agents and claim representatives are ready to help you in times of need. AXA have detailed below their most frequently asked questions regarding their personal home insurance product.

FAQs 

What does your Home Insurance cover? 

As a tenant of AXA your contents are covered against a wide range of risks like accidental and water damage.
AXA also covers your personal belongings against loss or damage in your home or anywhere in the world.
If you are owner in addition to contents/personal belongings you can also insure the property for loss or damage due to fire, water leakage and accidental damage.

What is meant by Contents? 

Household goods and personal effects belonging to you like your furniture, kitchen ware, paintings etc.

What is meant by Personal belongings? 

Items like jewellery, watches, mobile phones that categorized under personal belongings. These items are covered worldwide.

What is difference between Contents & Personal belongings? 

Contents only cover items within the house, while Personal belongings cover items that can be carried outside the house.
If I list an item under Personal belongings, do I need to list it under Contents as well?
No, when an item is listed under Personal belonging, it also provides for cover within the house.

What is Personal Liability insurance coverage? 

Personal liability covers you and all the family members who live with you for damages and claimant's costs for Accidental Bodily Injury and Accidental loss or damage to material property.

Are my items covered if I move house? 

Yes, your policy covers your Contents while relocating within UAE as long as you use professional movers.

I am a tenant, are my contents and personal possessions covered? 

Yes, the Contents and Personal Possessions are covered.

Do I need to take Buildings cover if I am renting the property? 

No, you only need to take buildings cover if you own the property.

Ready to apply?

To apply for a new policy or to renew an existing policy

please call

800 4560


For Home insurance policy terms and conditions click here

Product terms and conditions and exclusions apply. Please read the full policy wording for further information.

General insurance products are provided by AXA Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a distributor of AXA's general insurance products and is not responsible for claims, processing or otherwise.


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You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

How to apply

Are you already an HSBC UAE customer?

Or call: 04 324 4282

What if I'm not eligible

HSBC works to develop products and services to meet your requirements. To simplify the criteria for each product we provide a minimum salary or deposit criteria.

Find out more about HSBC Home Insurance

Thank you for wishing to bank with HSBC. To apply for this product simply click Apply Now to fill out your details and let one of our experienced HSBC representatives call you back. Alternatively you can call us on the number below, whatever is more convenient for you.

Or call: 04 324 4282