Get an Aviva Home Insurance quote

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

Make new claims online or via phone 24/7

If you need to make a claim, let us know the details online straightaway. We’ve made it quick and easy to do. Or if you need to talk to us you can call us anytime 24/7. 24/7 available for new claims only
We’ll pay whatever it takes to rebuild your home

When your home’s in bad shape, we’ll pay to piece it back together again – with no limit on how much this costs ^{[2]Footnote 2}
We’ll put another roof over your head

If your insurance covers the damage to your home, it also picks up the bill for you to stay somewhere else (within reason) until your home’s fit to live in ^{[3]Footnote 3}

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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.

Explore our landlord insurance

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.

Explore contents insurance for tenants

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 covered

Damage to your property and belongings
Caused by events like fire, theft, subsidence and flooding – this includes damage to garages and other outbuildings, and anything inside
Cost of lost rent or somewhere else to stay
Your safety comes first. So, if you have to move out for a while after a successful claim – or your tenants do and you’re not getting rent – another place to stay is on us
Protection against injuries or property damage
If you employ someone in your house in a way that our policy covers (like a cleaner) and they get hurt doing their work, we’ll help pay any costs

What’s not covered

Wet rot, dry rot or frost damage
Damage that’s happened slowly over time
Fences, gates or hedges damaged in a storm
Claims because something’s faulty or built badly to start with

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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

Legal services

This cover could untangle many different problems that need a legal mind. These include:

problems with employment law – such as if you’ve lost your job unfairly
your rights as a customer – for example, where something you’ve bought doesn’t work or never shows up
disagreements to do with your home – such as noise from your neighbours or where the line of a fence should be drawn
personal injury – if you have an accident that wasn’t your fault and could possibly have been prevented
issues with medical and cosmetic treatment – when you’ve had an operation or work done that’s not up to scratch

Having this add-on is like a key that unlocks access to legal advice right around the clock through a 24/7 helpline. We’ll also back you with up to £100,000 in legal costs for you, your partner, and anyone in your family that lives with you. And that’s for each claim you make.

Home emergency

Know where to turn when your heating has a tantrum or swarms of bugs or mice decide to move in. We’ll cover:

the work to put things right, including any parts and materials – up to £1,000 with no excess to pay
your hotel bill if you need to move out in the meantime – up to £1,000 with no excess to pay

Just so you know: this doesn't cover dual-purpose boilers, the usual appliances you’d plug in around the home (like your dishwasher), those small day-to-day fixes, or wear and tear.

Extra personal belongings

Going further than our contents insurance, this covers you in and away from the home, in the UK, or anywhere else in the world. You'll be covered for:

Personal items – up to £2,000 for any one item (although you can take out extra cover for anything that costs more)
Cash – up to £750
Credit cards – up to £1,000
Belongings left in a vehicle – up to £1,500 for anything stolen that you’d stored away from prying eyes

We can’t cover everything though. For example, we don't include business tools, or when electrical items stop working.

Accidental damage

Guard against those clumsy moments or mishaps at home. Like treading on a games console, or knocking over speakers. Cracking your glass tabletop. Or if your septic tank or service pipes spring a leak.

We’ve got two levels of cover. Here’s how they dial up the value of your building’s insurance or contents insurance.

Limited cover

Boosts your buildings insurance with cover for:

Any fixed glass (aka windows or glass doors)
Fittings connected to a water supply, like your bathroom sink (not appliances like washing machines or dishwashers)
Service pipes and cables

Ramps up your contents insurance with us by covering:

Non-portable home entertainment equipment
Glass in furniture like cabinets or coffee tables
Mirrors (the cost, not the bad luck)

Extra cover

This flexes its protective muscles, and covers accidental damage to every other square inch of your home for buildings insurance, and almost everything you own for contents insurance.

We don’t cover costs to fix or replace anything that was faulty in the first place, was badly designed or that someone fitted in the wrong way.

Cycle cover

While bikes (the kind you pedal) are covered in your home under our normal contents insurance, we can layer on extra cover for any bikes you and your family use – wherever in the world you hop onto the saddle.

However many bikes you'd like to insure, just choose the amount that's enough to replace the most expensive, between £300 and £5,000.

We don’t cover stolen bikes you’ve left on their own, unless they’re locked inside a building, or to something that can’t be moved.

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.

Find out how we calculate your home insurance price

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:

Buildings Insurance

Contents Insurance

Tenants and Renters Insurance

Landlord Insurance

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.

It takes a name you can trust
Over 720,000 people protect their home with us ^{[1]Footnote 1}
You can count on us
We’ve been protecting customers for over 325 years
We’ll get your home back to normal
We settled 88% of all home insurance claims in 2021

Get a home insurance quote in minutes

Whizz through in less time than it takes to finish your cup of tea – and we’ve put together a quick checklist below, which should help make it even whizzier.

Get a quote Retrieve a quote

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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?

First of all, find your documents, as you’ll need your insurance policy number. Gather up photos of anything that’s been damaged or lost (if you have them), and any receipts, quotes or invoices.

Once you’ve piled everything together, it’s time to claim. We’ll aim to get in touch with you within 2 hours when you claim online. Or start the ball rolling by phone on 0345 030 6945. ^{^}

When it’s an emergency – say your home isn’t secure after a break-in or weather damage means it’s not safe to stay put – get in touch with us right away.

You can also have a quick look through our guide about making a home insurance claim.

^{^} For our joint protection, telephone calls may be recorded and/or monitored. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. Our opening hours may be different depending on which team you need to speak to.

If I host refugees, will it affect my home insurance?

What is personal belongings cover?

Personal belongings cover is a way to boost your home insurance cover with us, on things like mobiles, laptops, jewellery and cameras, whether you’re at home or out and about. You’ll just need to let us know about any one item worth more than £2,000.

You can add personal belongings cover to your quote in the Personal items section on the Your quote page.

If you're a new customer, you can find cover limits and exclusions in our Policy Booklet (PDF 348 KB) and our Overview of benefits (PDF 90 KB).

If you have home insurance with us already, cover limits and exclusions are in the Documents section once you log in to MyAviva.

What happens if I move house?

Are mobile phones covered by home insurance?

Your cover will protect you against losing your mobile, or damage to it, if it’s in your home. This is part of your normal contents cover if it happens because of any event shown in our Policy booklet (PDF 348 KB). These include:

Someone stealing it or trying to steal it from your home
Escape of water

You’ll need extra cover to protect your phone against anything else happening to it, in your home or somewhere else.

How do I add mobile phone protection to my existing policy?

Is my bicycle covered?

Our contents insurance covers bicycles in your home. We’ll only pay out on bikes stolen from your garden if they’re locked to something that can’t move.

We offer extra cover for bikes owned by you and your family while you’re away from home anywhere in the world with our Pedal Cycle add-on. It doesn’t matter how many bikes you’d like to insure, just choose the amount that is enough to replace the most expensive cycle between £300 and £5,000.

If you are already have home insurance or contents insurance with us, you can add bicycle cover in MyAviva. Once you’ve logged in, simply:

Choose Your policies
Pick Details
Choose Amend my policy
Under Contents cover and then Personal belongings – covered in and away from the home put in how much your most expensive bike costs next to Cover for your cycle(s)
Choose Continue to add them to your policy

Your policy schedule will tell you the limits for anything stolen from your garden and any outside buildings.

Do I need to have a smoke and heat detector installed in my property?

We don’t ask you to have any fire alarms in particular. This includes if you have home insurance with us in Scotland, even though the law around smoke and heat alarms in the home changed on 1 February 2022. If you did have a fire in your property, your insurance would still cover you, subject to the terms and conditions of your policy.

Wherever you live, though, we’d encourage you to fit linked smoke and heat detectors in your home to protect your family, your home and your belongings in case there’s a fire.

See all home FAQs

Policy documents

If you already have insurance with us, you'll find the documents for your policy in MyAviva.

Insurance product information document (PDF 76 KB)

Important information document (PDF 122 KB)

Insurance policy wording (PDF 348 KB)

Home summary of benefits (PDF 90 KB)

Home Emergency Cover policy (PDF 257 KB)

Legal Services policy wording (PDF 334 KB)

About our insurance services (PDF 25 KB)

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Home insurance

Grab a quote in minutes, that’s home insurance solved

Why do I need home insurance?

The benefits of our home insurance

Make new claims online or via phone 24/7

We’ll pay whatever it takes to rebuild your home

We’ll put another roof over your head