Buildings Insurance
Your home is your castle – we’ll help you protect it
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Cover just for your property
Our Buildings Insurance ensures your property's structure is protected if it’s damaged. And with add-ons like accidental damage and legal services cover, you can tailor your policy to suit you.
Unlimited sum insured
There’s no limit to the overall amount we’ll cover your property for – so you don’t need to worry about being underinsured 1.
Alternative accommodation
We’ll arrange and pay for accommodation if your home is damaged and can’t be lived in 2.
Finding and fixing leaks
If there’s a water leak causing damage to your home, we’ll cover up to £5,000 to uncover the source and make good afterwards.
Don’t forget, you can take out our Buildings Insurance on its own, or together with our Contents Insurance as a complete Home Insurance package.
Your buildings cover stories
With every new claim there’s a story to tell. Here are some examples of how we’ve helped people get their homes back in order.
Buildings Insurance
When Eric’s tiled floor was damaged by an undetected leak from his dishwasher, it became clear that a large area would need to be replaced. Eric went in to his MyAviva account and made a claim online. We quickly confirmed that we’d pay for the work needed to repair the floor and transferred the money to his bank account 3.
Accidental damage add-on
A bottle fell from Roger’s bathroom cabinet, cracking the sink below. Because it was unique – and part of a suite – he found a match himself and emailed us a quote for its replacement. We approved the claim the next day and sent Roger the money to pay for the repair 4.
What does Buildings Insurance cover?
We cover the structure of your property against damage caused by things like fires, storms or burglars. Permanent fixtures, like kitchen surfaces and built-in wardrobes, are also covered, as are driveways and patios.
What’s covered
Cover for damage, subsidence, and even lost keys.
Damage to the structure of your home
- Caused by events such as fire, flooding and theft
- We also cover subsidence, heave of land and landslip
Damage to garages and outbuildings
- The structure of your garage and any domestic outbuildings are covered as standard
- We’ll also cover swimming pools, ponds and fountains, hard courts, terraces, and patios
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord we’ll pay you either for lost rent or for alternative accommodation
Replacement locks and keys
- We’ll pay to fit replacement locks to external doors if your keys are lost or stolen, as well as alarm systems or safes in your home
Liability protection for injuries or property damage
- Protection for injuries or property damage (if you’re legally liable as the homeowner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wear, tear and breakdowns
- Wet rot, dry rot or frost damage
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what's not covered.
Ready to get cover?
Simply select the cover you want when you get your quote.
Policy add-ons
Tailor your policy with our add-ons and get extra cover for your home and belongings.
How our claims process works
Whatever happens, we’re here when you need us – online and over the phone.
Keep your documents handy
To make a claim, you’ll need your insurance policy number, any photos of the lost or damaged items (if you have them), and any related receipts, quotes or invoices.
Let us know
You can make a claim over the phone or online if you’re registered for MyAviva.
If there’s been an emergency, eg your home isn’t secure after a break-in or it’s not safe to stay there following damage, get in touch with us as soon as you can.
We’ll respond quickly
We’ll get back to you as soon as we can to sort things out. And if you make a claim online, we aim to get back to you within 2 hours 5.
Looking for more cover?
We’ve got a range of products to protect what’s important to you
Home articles
Take a look at our latest news and guides.
Preventing storm damage
Simple steps you can take to safeguard your home before, during and after a storm.
Protection from storms
Preparing for a flood
What to do if a flood’s on the way, from precautionary measures to safeguarding important documents.
Preparing for a flood
Protecting your home from snow
How to protect your home from heavy snow.
Snow-proofing your home
The Flood Re scheme
How we work with the Flood Re scheme to insure homes at high risk of flooding.
The Flood Re scheme
Protect your home from pests
Find out how to keep rats, mice and insects from your home.
Pest control at home
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Contact us
Still need help? Give us a call.
Monday to Friday 8:00 20:00
Saturday 8:30 17:00
Sunday 10:00 16:00