Cover for your buildings and contents
Starting from only £99, our Home Insurance protects both your home inside and out – covering your building and belongings. 10% of our customers have paid this price 1.
Buildings Insurance
We’ll cover the cost of repairing damage to the structure of your property caused by water damage, fire and more.
Contents Insurance
Cover if you’re burgled or something’s damaged in a fire, with no limit to the overall amount we’ll cover your contents for 2.
Alternative accommodation
We’ll arrange and pay for accommodation if your home is damaged and can’t be lived in 3.
Plus, you can tailor your policy to suit you with add-ons like accidental damage, legal services and bicycle cover. Or, if you only need either Buildings or Contents insurance, you can choose these separately.
Your Home Insurance stories
With every new claim, there’s a story to tell. Here are some examples of how we helped people get their homes back in order.
Home Insurance
After losing many sentimental belongings in a break-in, William wasn’t looking forward to the claims process. But we were there to help when he needed us. We quickly arranged for repairs to doors and windows and settled the claim for his stolen items with understanding and speed 4.
Accidental damage optional add-on
When the shark attacked Nemo, Julie’s granddaughter came to the rescue and threw a plate at the TV screen. Julie couldn’t find her policy documents but she looked up our number and gave us a call. We settled the replacement TV claim over the phone within a few minutes. We’re pretty sure Nemo escaped 5.
What does Home Insurance cover?
Our Home Insurance includes buildings and contents cover together – that’s the structure of your home and your belongings. Plus you can tailor your policy with our optional add-ons.
What’s covered
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
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 also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- 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.
Get up to 20% off online
Take out our Home Insurance online and you could get up to 20% off the standard price 6.
Ready to get cover?
Our Home Insurance includes Buildings and Contents Insurance together, but we offer them separately too.
If you only need Buildings or Contents cover, simply select this option when you get your quote.
Policy documents for Home Insurance
About our insurance services to you
PDF (21.7 KB)
Home insurance policy wording
PDF (729.5 KB)
Legal services policy wording
PDF (305.0 KB)
Home Insurance - Important Information
PDF (336.7 KB)
Insurance product information document
PDF (77.2 KB)
Home summary of benefits
PDF (72.3 KB)
Home emergency cover policy
PDF (256.5 KB)
Policy add-ons
Tailor your policy with our add-ons and get extra cover for your home and belongings. See our home insurance add-ons for more details.
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 7.
Looking for more cover?
We’ve got a range of options to help protect what’s important to you.
Home articles
Take a look at our latest news and guides.
22 Jun 2018
Home-viewing checklist
From damp patches to cracks in the walls, what to look out for when you’re out viewing homes.
House buying checklist
7 Jun 2018
Childproofing your home
Take a look at our tips for keeping toddlers and little ones safe from household hazards.
Childproof your home
26 Oct 2017
Moving house
Take a look at our checklist to help you manage every step of the move to your new home.
Moving home checklist
26 Oct 2017
Insurance for first-time buyers
Our guide to insurance for first-time buyers including buildings, contents and life insurance.
First-time buyers' guide
18 Oct 2017
Making home improvements
Take a look at our tips to getting started with home renovations and decorations.
Making home improvements
Need help? Ask our chatbot
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