AXA
In principle, we pay the costs of all accidental or unforeseen damage/loss.
However, not all damage or defects identified when moving out of your home are insured. For example, the following items are excluded:
- Damage due to wear and tear
- Nicotine stains
- Picture holes
- Cost of restoring to original condition, e.g. where walls painted in color by the tenant themselves
- Damage that occurred gradually, e.g. mold
Where such damage exists, the landlord/ property manager will send you a bill stating your share of the costs, if applicable.
You'll find specific information about your insurance cover at any time in the General Insurance Conditions (GIC) – the easiest way to do this is in the myAXA customer portal.
Other AXA benefits in the case of insured damage:
- On request, we will negotiate with your landlord/property manager or other claimants.
- We will defend you against any unjustified claims.
Landlord/property manager
Costs resulting from normal usage – that is, wear and tear – must be paid by the landlord/property manager. Typical damage due to wear and tear includes changes in the shade of painted walls as a result of the hanging of pictures or placing of items of furniture in front of walls. The resulting costs are already included in the rent.
