I had an extremely disappointing experience with HomeProtect by AXA when I tried to make a claim for an issue affecting my property. When I... I had an extremely disappointing experience with HomeProtect by AXA when I tried to make a claim for an issue affecting my property. When I called them, they quickly told me the problem was not covered under the policy. This was astonishing, because the issue clearly affects the property itself. Yet despite this obvious connection, they immediately hid behind the small print and refused to help. It feels like HomeProtect by AXA are perfectly happy to take homeowners’ money month after month for insurance premiums, but the moment you actually need them to do what you pay them for — provide cover — they suddenly find endless reasons why your situation is somehow excluded. The entire experience left me feeling that the business model is simply to collect premiums while doing everything possible to avoid paying out when a legitimate claim is made. As a homeowner, you pay for peace of mind, but when the time comes to rely on your insurer, you get nothing but excuses and policy technicalities. It’s honestly remarkable to see how profitable the insurance industry must be when ordinary people faithfully pay their premiums year after year, only to discover that when they need support, they are left entirely on their own. Based on this experience, I would strongly advise other homeowners to read the policy extremely carefully and think twice before relying on HomeProtect by AXA to protect their property. My experience suggests that when it matters most, the support simply isn’t there. Read more Read less