Home Insurance

Defaqto 5 Star Rated home insurance

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Cover for your buildings and contents

Aviva Home Insurance protects your home inside and out – covering your building and belongings. With prices starting from £124, that's all 10% of customers paid (excludes optional extras) 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

If the damage is covered by your insurance, we'll pay for alternative accommodation until your home is fit to live in.

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.

AvivaPlus home insurance is also available. Find out more

What does Home Insurance cover?

Our Home Insurance includes the structure of your home with buildings cover, and your belongings with contents cover. Plus, you can tailor your policy with our optional add-ons. See the full summary of cover (PDF 90 KB).

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.

 Read our policy wording (PDF 347 KB)

Why choose us?

We're proud that our cover's 5 Star Rated by Defaqto – a trusted industry expert.

5 Star Defaqto Home Insurance
  • Over 577k people protect their home with Aviva 3
  • We’ve got heritage
    We’ve been protecting customers for over 300 years
  • You can count on us
    We settled 90% of all home insurance claims in 2020

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.

Read our customer reviews

How our claims process works

Whatever happens, we’re here when you need us – online and over the phone.

Step 1

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.

Step 2

Let us know

You can make a claim online or over the phone on 0345 030 6945 ^.

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.

Step 3

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. 4

Home insurance FAQs

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?

Still need help?

If you’ve still got a question, find out how to get in touch on our contact us page.