Your safety net in the face of climate change
Major climate events are becoming increasingly frequent and unpredictable. Floods, torrential rains, or sewer backups can cause considerable damage to your property and furniture. However, these risks are generally not covered by basic home insurance policies. With the Sérénité Max option from AXA Luxembourg, you can give your home the highest level of protection against the forces of nature.
3 good reasons to choose the Sérénité Max option
Comprehensive protection against water
Whether it’s a major flood, a mud runoff following heavy rain, or a sewer backup, you benefit from comprehensive coverage.
A 10 % bonus for indirect losses
AXA automatically adds an additional indemnity equal to 10% of the damage amount to cover your unexpected additional expenses, such as temporary relocation or administrative procedures.
Expanded coverage for all climate-related risks
Beyond water-related risks, this option also covers material damage caused by an earthquake, a landslide, or a ground subsidence.
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Online quoteProtection against weather hazards is often not covered by your home insurance
Natural risks such as floods or earthquakes are generally not covered by standard home insurance. With the Sérénité Max option from OptiHome, you enhance your protection and secure your home as well as all its contents in case of extreme weather events.
You want to insure an apartment and subscribe to the Sérénité Max option?
In just a few clicks you can get your rate and benefit from coverage adapted to your needs and your daily life.
You wish to insure a house and protect your home with Sérénité Max?
Please contact an advisor near to you, who will propose the offer best suited to your needs.
You can add Sérénité Max to your existing home insurance plan
- Your home and its contents are covered in case of flooding due to rising water levels or overflowing watercourses, regardless of their origin.
- If wastewater or rainwater backs up into your pipes following heavy rainfall, your damage is fully covered.
- Torrential rains can cause landslides or significant runoffs. The Sérénité Max option covers the resulting damage to your home.
- Your home and its contents are protected against damage caused by earthquakes or ground subsidence, risks that are often underestimated in Luxembourg.
- To cover unexpected expenses resulting from a major loss, AXA pays additional compensation equal to 10% of the total amount of indemnities granted.
Why add the Sérénité Max option to your home insurance policy?
Protect your home with AXA.
Increasingly frequent climate events
In recent years, several weather events, notably floods, have impacted Luxembourg.
Risks rarely covered by default
Most standard home insurances exclude natural disasters from their basic coverage. The Sérénité Max option helps you avoid unpleasant surprises in the event of a claim.
A fast and simplified process
In the event of a claim related to a natural risk, AXA Luxembourg guarantees you a simple and responsive process. Our claim management team is available to support you from the initial claim report to compensation.
In case of emergency, AXA Assistance is by your side 24/7
AXA Assistance intervenes in any emergency situation related to your home: lost keys, water leakage, heating breakdown, damaged roof following a thunderstorm.
Find your insurance advisor
To learn more about our insurance plans and options for your home and daily life, please contact your AXA Luxembourg insurance advisor.
Your questions about the Sérénité Max option
Yes, absolutely. Extreme weather events, such as torrential rain, can happen anywhere in Luxembourg and can cause significant damages even in areas that are not officially classified as flood zones. Runoff, sewer backup, and land subsidence: these risks affect all homes.
Yes. The Sérénité Max can be added at any time to your OptiHome insurance, whether it is the Active or the Privilège insurance plan. Please contact your AXA insurance advisor or make the request directly online.
Damage caused by rising groundwater not related to precipitation, as well as damage caused by permanent humidity or resulting from lack of maintenance, is not covered. Please refer to The General Terms and Conditions of your contract for details of the exclusions.
AXA Luxembourg undertakes to process your file as quickly as possible. After receiving your claim declaration, an expert can be mandated within 48 hours. Compensation will be provided as soon as a settlement agreement has been reached between you and AXA.
You can report your claim online via your MyAXA customer space, by contacting your AXA Luxembourg insurance agent or by sending an email to claims@axa.lu. Please remember to keep photos of the damage before proceeding to any cleaning or repair works.
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