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. Our defaqto 5 star rated home insurance starts from just £115 - that’s all 10% of customers paid.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 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.
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 here.
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.
Why choose us?
We're proud that our cover's 5 Star rated by Defaqto – a trusted industry expert.
- We’re the largest UK insurer
With 15 million UK customers - We’ve got heritage
We’ve been protecting people like you for over 300 years - You can count on us
We settled 95.2% of all home insurance claims in 2019
Important documents
If you already have insurance with us, you'll find the documents for your policy in MyAviva.
Insurance product information document
PDF (77.2 KB)
Important information document
PDF (138.1 KB)
Home Insurance policy wording
PDF (536.9 KB)
Home summary of benefits
PDF (90.3 KB)
Home Emergency Cover policy
PDF (256.5 KB)
Legal Services policy wording
PDF (334.2 KB)
About our insurance services
PDF (25.0 KB)
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 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 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.
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.
Looking for something different?
We've got a range of other options to protect what's important to you.
Home articles
Take a look at our latest news and guides.
How to deal with frozen and burst pipes
Burst pipes cause misery for homeowners. Find out how to prepare your pipes for plunging temperatures and what to do if you’re too late.
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What types of home insurance are out there?
Trying to decide which type of home insurance works best for you is frustrating, but with cover especially tailored for everyone, you can rest easy on your sofa.
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What’s the difference between buildings and contents insurance?
It may be tempting to gamble on home insurance, but is it wise to risk your house or possessions? If you do play safe, what type of cover should you choose?
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How to get contents insurance at university
Contents insurance isn’t as expensive as you might think, and you may already be covered by your parents’ policy. Find out how to protect your things.
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Which alarm system should you get for your home?
There are several types of alarm system to choose from, but your home insurance provider may ask that it meets specific requirements to validate your policy.
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How does contents insurance work?
1 in 4 UK homes don't have contents insurance — if you're thinking about the pros and cons of contents cover, find out what you need to know here.
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What does home insurance cover?
Your home is probably the most expensive purchase you'll ever make, and home insurance gives you peace of mind that if something goes wrong.
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Insuring your holiday home
Be it for business or pleasure, your holiday home will need specialist insurance. Find out how you can rest easy with the right insurance cover here.
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What is accidental damage insurance?
While household hiccups are common, it doesn’t mean they’re not a hassle. Keep stress levels down is to restore normality as quickly as possible.
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The process of buying a house
Saving for your first home? Then you need to know just how much it really costs to make sure you're saving enough to get on the property ladder.
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Do I really need home insurance?
We’re always told to expect the unexpected, so if there is no place like home, isn’t it worth paying for peace of mind?
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How to secure your rental property
Stay safe
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 true cost of buying a house
Saving for your first home? Then you need to know just how much it really costs to make sure you're saving enough to get on the property ladder.
Read more
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Contact us
Still need help? Give us a call.
Monday to Friday: 8:00am - 8:00pm
Saturday: 8:30am - 5:00pm
Sunday: 10:00am - 4:00pm
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.