Comprehensive Insurance for your House & Condo
Package for your home/condo that provides coverage against fire and lightning, acts of nature (earthquake, typhoon, flood), damage resulting from riot/strike, and malicious damage.
Property insurance
Protects your property against damage caused by fire and lightning, earthquake, typhoon, flood, riot, strike, malicious damage, and extended coverage
Robbery and burglary
Protects you from losses due to robbery or burglary (excluding cash and jewelry).
Rental Income and Value
Reimburses rental income or value should your property be uninhabitable due to any of the insured calamities and disasters.
Personal accident insurance
Pays a certain amount in case of your permanent disablement or accidental death. Benefit applies to your spouse and up to three of your children. This also covers medical reimbursement if injured by accident, as well as burial assistance.
Personal liability
Pays for any claims and incurred legal expenses to defend you from third-party liabilities due to negligence in the event of lawsuits against you or your household within the premise of your property
Household helper coverage
Provides coverage of personal accident and property damage of up to three of your household helpers.
Debris removal and Fire Fighting expense
Provides payment for clean-up costs brought about by any of the insured perils and pays for the expenses incurred in extinguishing the fire.
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Home FAQ's
- Occupied purely as a private residence of the insured;
- The external wall is composed of either all concrete or concrete & wood, roofing structure in good condition;
- With adequate fire protection facilities;
- Situated in a good location (non-congested, not flood-prone, not located near rivers, creeks, lakes, waterways and the likes, not located near lahar threatened area, not located in depressed areas, not located near existing Militant labour unions, etc.,);
- No previous history of loss.
The maximum sum insured you can offer under Home Insurance is Php 50M, if the value of the property exceeds this amount, you can request for a regular fire insurance property quote from underwriting.
Yes, as long as your property conforms to the guidelines of our Home Insurance product.
No, Home Insurance is designed for properties occupied purely as a residence, a regular fire insurance quote can be provided instead upon request from underwriting.
If the property is being used for other purposes other than as the client’s residence, it will not be qualified under home security. Instead, a regular fire insurance quote can be provided upon request from underwriting.
Yes, but the cover is limited only to any buildings inprovements and contents (furniture, fixture, appliances).
The following areas are usually flood-prone: Caloocan, Malabon, Navotas, Valenzuela, Marikina and other known catch basis. Verify with underwriting if unsure of the location.
All properties with previous history of loss is subject to review and approval of underwriting, if deemed acceptable, Home Insurance can be offered.
Easy claims in 4 steps
1
Contact your broker, agent, or bancassurance agent and give him/her an incident report
2
Expect a call from an AXA representative for appointment setting (to assess damage of property) and list of requirements needed depending on the nature of loss.
3
Submit the needed requirements to the AXA representative assigned to visit you