Why do I need home insurance?
It’s there to protect your pocket from the cost of fixing damage or replacing things that are stolen, usually because of bad weather or break-ins. In other words, if high winds hurl tiles from your roof, you find your lounge knee-deep in water, or a burglar empties your home of jewellery and laptops.
Fingers and toes crossed, none of this ever happens. But if it does, our home cover will rebuild your walls and put money in your bank account to refill your wardrobes and get you back to everyday life.
You can also bulk up your cover using a pick and mix of extra add-ons. They can squash the worry of accidental spills and smashes, give you an expert helping hand with legal worries or protect your bike once you’ve pedalled away from your front door.
Defaqto 5 Star rated home insurance from just £174. That's all 10% of customers buying Aviva buildings and contents insurance with us from 1st May 2023 to 31st July 2023 paid this price or less (excluding optional extras). The price you'll pay depends on individual circumstances and cover chosen.
The benefits of our home insurance
Who needs home insurance?
Anyone who owns their little patch of the UK should think about getting cover. Your mortgage lender (if you have one) probably demands it. Because your house or flat is likely to be the most expensive belonging you have, and by some distance. Home insurance can place a protective bubble around the value of its bricks, beams and ceilings – and all the loose bits and pieces inside – in case of things like fire, theft, and flooding.
Our insurance is cut to fit anyone who lives in the home they own. But we also have insurance that would suit you when renting out your property, or if you live under a rented roof.
If you’re a landlord
You can take out cover that focuses on getting the building itself back to its tenant-ready best, if there’s damage to fix or bits to rebuild. So you can flick the switch back to normal – for your tenants and your rent money – as soon as possible.
If you’re a tenant
Ask your landlord what home insurance they already have. If they’ve ticked off buildings insurance as part of the deal, just protect all the prized possessions that have moved in with you.
What does home insurance cover?
Our home insurance neatly stitches together two different types of cover. For the solid structure of your home, there’s our buildings insurance. For all the furniture, appliances, clothes and valuables you fill it with, there’s contents insurance.
We'll replace damaged items with new ones. Or pay for them to be restored, repaired or replaced. Damage due to wear and tear or breakdowns is not covered. Accidental damage is an optional cover.
You can take them out separately if you only need one or other. To find out more, see our summary of cover (PDF 90 KB).
What’s not covered
Boost your home cover with our optional add-ons
Make your cover as unique as your living room wallpaper. Add any of these extra twirls and flourishes that cost a bit more but can stretch your safety net even wider.
Protect your no claim discount
Extra personal belongings
How much does home insurance cost?
Just like baking a cake, there are many ingredients to measure out, mix, fold and whisk together that decide how much you pay for cover.
Some are just about you, like where you live or how many past claims you’ve had. Others are about the world around you and what’s happening in the world of insurance – for example, if we’ve been battered by another Beast from the East, or more people are making claims across the whole country.
Looking for a different type of cover?
When our doubly protective home insurance (bolting together buildings and contents cover) is more than you need, see if these tick the boxes instead:
Why choose us for home insurance?
Our cover has been given a 5 Star Rating by Defaqto. Their experts open the front door of our policies, and delve into every last corner – it’s not based on opinions or hearsay.
What you need to get a home insurance quote
So that we can tot up your price accurately, we’ll ask for a few snippets of information.
- About you – just the usual, like your name and date of birth, and if you’ve made any home insurance claims in the last five years.
- About your home – things like your postcode, whether you own your home, and if you live there all the time.
- Your belongings – pinpoint any valuables worth more than £2,000, like stamp, coin and medal collections, works of art, any gold, silver or other precious metals, or jewellery and watches.
- About your policy – pick how much you’d be prepared to pay towards the cost of a claim (known as an ‘excess’), and any optional add-ons you want.
We’ve taken a broom to some of the trickier questions and brushed them out of your path. To do this, we’ve followed certain hunches (known as ‘assumptions’ in the insurance world) about your home instead. For example, that you have five bedrooms or fewer, and that flood waters have never washed through your home before. You’ll need to look through these assumptions, and tell us if any aren’t true for you or your property.
Home insurance FAQs
How does the claims process work?
If I host refugees, will it affect my home insurance?
What is personal belongings cover?
What happens if I move house?
Are mobile phones covered by home insurance?
How do I add mobile phone protection to my existing policy?
Is my bicycle covered?
Do I need to have a smoke and heat detector installed in my property?
Get support right away
Put your feet up and scroll through our guides and articles
Flick through the help we’ve put together about our home insurance, what it covers, and even how to protect your home in different ways.