Home Insurance OptiHome

Because accidents happen, being well insured is essential

Glass breakage, water damage, emergency repairs or damaged multimedia devices - with your AXA household insurance you are optimally protected.

2 basic formulas and 4 additional options:

Choose between the 2 formulas Active and Privilège to protect your home and your belongings.

You may add up to 4 options for an optimal and tailor-made coverage.

Formula Active or Formula Privilège:

Pick the best cover according to your needs: 

Note: The Active formula is restricted to persons residing in apartments.

Choose from 4 options to complete your home insurance.

For an optimal coverage you can add up to 4 options to each formula.

Reductions on the premium

Starting at 2 options you benefit of reductions on the premium for your home insurance policy:

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.

AXA Assistance

As part of your OptiHome home insurance (Active package and Privilège package), you are eligible for the AXA Assistance services:

With its OptiHome home insurance product, AXA offers tailor-made solutions for tenants and home owners. Whether you live in a house, apartment or studio, OptiHome adapts to your needs and lifestyle.

In addition to optimal protection for your belongings, OptiHome also protects you and your family against the risks associated with your daily life: family civil liability, legal protection, travel insurance and e-protection against the risks associated with Internet use.

You can also 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.).

For more details, contact your AXA Agent.

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, …)

Home insurance suited to your needs

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 etc.

I’m looking for all-risk home insurance in Luxembourg

Are you looking for comprehensive insurance to protect your home and family? Add the 4 options to the Privilège package for optimal coverage in all circumstances. You will then be insured against damage caused by natural elements, the theft of your property anywhere in the world and civil liability costs. This coverage also provides for compensation in the event of the cancellation of travel, medical costs or the loss of luggage when travelling abroad, for small jobs around the home and protection against internet-related risks (internet fraud, identity theft etc.). Comprehensive home insurance for a worry-free home life.

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