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
We’ll cover the cost of repairing damage to the structure of your property caused by water damage, fire and more.
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.
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.
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
If you already have insurance with us, you'll find the documents for your policy in MyAviva.
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.
Protected no-claims discount
If you haven't made a claim for 5 years or more, you can protect your no-claims discount.
Cover for you and your domestic partner, as well as any family members living with you.
Extra personal belongings
Additional cover for your belongings in the UK and worldwide, including personal money and credit cards.
Choose between 'extra' and 'limited' cover for items from cables and service pipes to home entertainment equipment.
Looking for something different?
We've got a range of other options to protect what's important to you.
AvivaPlus Home Insurance
Pay monthly interest free, only by credit or debit card. Make changes or cancel any time with no fees. Available for Combined Buildings and Contents insurance for home-owners living in their home. Excludes Northern Ireland.
From porches to patios, our Buildings Insurance helps to protect the structure of your property.
From gadgets to grandfather clocks, our Contents Insurance can help to protect your prized possessions.
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? 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. Calls to 0800 numbers from UK landlines and mobiles are free. 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.