Your home is your cocoon and we will ensure that you can enjoy it with peace of mind
Has your home been burgled? Have you suffered major water damage or you need emergency repairs? With your home insurance OptiHome you don’t need to worry. We offer comprehensive protection for your home and a fast and simple claim handling.
The AXA plus? OptiHome also protects you and your family against risks of your daily life: family civil liability, legal protection, travel insurance and e-protection against the risks associated with internet usage.
Do you live in an apartment ? A house? Are you an owner or a tenant? Whatever your home, you’ve found the insurance that’s right for you!
AN APARTMENT?
In juts a few clicks you can simulate your rate and benefit from a comprehensive coverage.
A HOUSE ?
Together with our agents you will find a home insurance that is best suited to your needs.
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Find your ideal package and options in line with your concerns Because each of our clients is different, Axa has developed flexible solutions suited to your needs and home.
I am looking for insurance for my apartment
Are you renting an apartment and looking for basic cover against theft, fire, storms, water damage and other unintended damage?
The Active package provides cover for the most common risks associated with your home.
This insurance intended for apartments in Luxembourg is also suited to owners, who also benefit from building civil liability insurance.
I am looking for insurance for my house in Luxembourg
Are you looking to take out insurance for your home in Luxembourg to provide coverage against accidents or theft?
Opt for the Privilège package and choose between the options to tailor your coverage to your needs:
- protection against natural risks
- civil liability
- legal protection
- ...
| GUARANTEES | FORMULA ACTIVE | FORMULA PRIVILEGE | DESCRIPTION OF THE GUARANTEES |
| Fire | ✔ | ✔ | It covers you against the damage caused by fire, explosions and other similar perils (lightning, damage to property caused during a theft or attempted theft, etc.). |
| Storm and Hail | ✔ | ✔ | You’re insured against damage caused by storms, hail or snowfall. |
| Glass Breakage | ✔ | ✔ | It covers damage in the event of glass breakage (windows, verandas, French windows, bay windows, skylights, etc.) |
| Water Damage | ✔ | ✔ | It covers the consequences of water damage: damage caused by water leakage, breakage of pipes or by water infiltration. |
| Electrical Damage | ✔ | ✔ | It covers the damage caused to your own electrical and electronic devices by electricity such as overvoltage, lightning or a short circuit. |
| Civil Liability Building | ✔ | ✔ | It covers the pecuniary consequences of the civil liability, which may apply to the insured because of damage to third parties caused by the building, adjoining land, elevators or sidewalk congestion. |
| Legal Protection Building | ✔ | ✔ | It covers the costs (lawyers, bailiffs, ...) involved in the criminal defense of the insured for events relating to the building, or in the context of a civil liability appeal made by the insured against a third party whose own civil liability is involved. |
| Emergency at Home | ✔ | ✔ | If your home becomes uninhabitable or inaccessible because of an emergency situation (loss of keys, heating failure in winter, significant water leakage, etc. ), AXA covers the cost of troubleshooting up to 400 € per intervention. |
| Theft | Limited to €5,000 | ✔ | You are covered in case of theft in your home. The coverage includes the costs of replacing the keys and locks of the insured building following the loss or theft of the keys. |
| Multimedia Material (optional) | Up to €5,000 Deductible for mobile equipment €350 | Up to €10,000. Deductible for mobile equipment €125 | It covers multimedia material (television, smartphone, computer, ...) that you own against theft, worldwide and against any breakage / destruction resulting from theft, a fall, a shock or the penetration of a foreign object. |
I'm looking for comprehensive home insurance
Are you looking for comprehensive insurance to protect your home and family?
Combine the Privilege package with 4 optional options to ensure you're covered in all circumstances.
You'll be insured against damage caused by natural elements, theft of your possessions anywhere in the world and civil liability costs, among other things.
This cover also entitles you to compensation in the event of trip cancellation, medical expenses or loss of luggage while travelling abroad, for odd jobs around the house and for protecting your interests online (internet fraud, identity theft, etc.).
Comprehensive home insurance for peace of mind in your day-to-day life.
4 options to choose from to complete your home insurance package
Whichever home insurance package you choose, you can add up to 4 options for optimum cover:
A broken camera or window? A clumsy gesture can cause damage to a third party.
With the option “civil liability / legal protection” you are insured in case of small accidents, might they be caused by you or a member of your household.
Your family liability and your legal protection (criminal defence and civil appeal) are covered for your private life. E-protection cover is possible to protect you against the risks related to the use of the internet.
Your home and its contents are protected against the risks of earthquakes, floods, sewer back-ups, water infiltration and landslides caused by torrential rains.
Your property is covered against theft and breakage, anywhere in the world:
- sports, - fishing or hunting equipment, - jewelry, - musical instruments - medical assistance devices
You want to go on vacation without having to take out insurance for each trip? Take advantage of single insurance policy including cancellation, luggage and valuable support on your travels throughout the year.
Online purchase or sharing on social networks, you are increasingly connected from your smartphone, tablet or PC. Protect yourself against cyber-hazards: usurpation of identity, bank card fraud, dispute with an e-trader or attack on the e-reputation.
Our solutions:
- Legal assistance - Funding of legal costs - Compensation for damage - Cleaning or submerging of information
Reductions on the premium cover
Starting at 2 options you benefit of reductions on the premium for your home insurance policy:
| Number of chosen options | Reductions on the premium |
| 2 Options | 3% |
| 3 Options | 6% |
| 4 Options | 10% |
For example, if you subscribe to the formula “Privilège” with the Travel, Comfort and Serenity Plus options, you benefit of a discount of 6% on your entire home insurance premium.
Documents available :
As part of your OptiHome home insurance (Active package and Privilège package), you are eligible for the AXA Assistance services:
🤝🏻 Comprehensive assistance in case of emergency in your home:
Provision of a professional: Loss of key, Water leak, Heating failure, theft or glass breakage, Damaged roof. Repatriation, Medical assistance, Baggage assistance, Legal assistance…
🕑 Available 24/7
The service is available 24 hours a day, 7 days a week.
🌐 Worldwide
📱 At +352 45 30 55
➡️ Visit the Assistance page
Depending on your insurance and the subscribed options, assistance can be provided in these cases.
There are two ways of signing your home insurance policy:
1️⃣ you can either opt for an online electronic signature
2️⃣ or affix a handwritten signature on a paper document
Below we will take you through the electronic signature procedure, which allows you to sign your policy simply and conveniently from home or from anywhere in the world.
As a property manager, syndicate of co-owners or sole owner of a or several rental building(s) for residential or mixed use (residential/professional*), it is recommended to take out a civil liability building insurance and to cover accidental damages (fire, storm, flood...) that could affect the property.
(*) provided that the building does not contain any professional activity of the HORESCA sector (hotel, café, restaurant), manufacturing or processing activities (e.g. printer, carpenter, etc.) or a business activity with more than 100 m2 storage of goods (supermarket, clothing trade, …)
Handyman Service
For all your renovation work, take advantage of practical services, such as Emergency@Home (immediate assistance in any emergency situation by professionals) or Handyman (intervention of certified professionals for your small jobs: gardening, painting, tiling, various small repairs, etc.).
How do you insure a furnished flat?
Are you one of the 25,000 people who move to Luxembourg every year? To get your new personal and professional adventure off to an easy start, you may have chosen to rent furnished accommodation. If so, here's how to insure it!
5 points to bear in mind before taking out home insurance
Fitted kitchen, risk of flooding... When it comes to home insurance, each country has its own specific features. For anyone insuring a home in Luxembourg for the first time, here are 5 criteria to look out for.
An advisor is available in every region of the Grand Duchy to offer you his services and his well-informed advice about insurance solutions.
