Home Insurance

Defaqto 5 star rated home insurance

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Aviva Home Insurance has been awarded an overall rating of 4.6/ 5from (777 reviews) customer reviews

Here's what customers have to say about Aviva Home Insurance

TrustScore 4.6 / 5 from 777 customer reviews on Trustpilot Read all 777 reviews for Aviva Home Insurance

Cover for your buildings and contents

Our Home Insurance has what it takes to help protect your home inside and out. And with add-ons like accidental damage, legal services, personal belongings and bicycle cover, you can tweak your policy to suit you and your home.

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

There's no limit to the overall amount we'll cover contents in your home for 1. We also provide cover for contents in your garden as standard

Alternative accommodation

If your policy covers the damage, we'll pay for alternative accommodation until your home is fit to live in 2

Our Home Insurance stitches our Contents Insurance and Buildings Insurance together. But if you only need one or the other, you can also take them out separately.

Who needs home insurance?

Anyone who owns a property should think about getting home insurance, whether they live there or rent it out. Because home insurance can place a protective bubble around the structure of the property and the contents inside it, in case they’re damaged, destroyed or lost because of things like fire, theft, and flooding.

Deciding if you need home insurance

If you own your own four walls, then yes, home insurance is something you should consider. It’s not a legal requirement to have it, but most mortgage lenders will insist you do.

Think about what you’d do if a storm blew the tiles off your roof, or a fire spread its red-hot fingers, or a thief crept into your home.

If your property or belongings were lost, damaged or stolen unexpectedly, could your bank balance stretch to cover the cost of fixing or replacing what was gone? If not, you might want to chuck ‘get home insurance’ to the top of your to-do list.

What our Home Insurance covers

Our Home Insurance protects the structure of your home with buildings cover, and your belongings with contents cover. Plus, you can make your policy your own with our optional add-ons. For more information, 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 and loss of rent:
    • If your policy covers the damage, we’ll pay for accommodation if your home can’t be lived in
    • If you’re a landlord, we'll also cover you for any lost rent while the property can’t be lived in
  • Liability protection for injuries or property damage:
    • If you’re legally liable as the homeowner or occupier or employ any domestic.

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 has been caused over time
  • Fences, gates or hedges damaged in a storm
  • Claims for poor workmanship or faulty design

See our policy wording for full details of what's not covered.

Read our policy wording (PDF 348 KB)

Why choose us?

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

Defaqto 5 Star rated Home Insurance logo
  • It takes a name you can trust
    Over 625k people protect their home with Aviva 3
  • We’ve got heritage
    We’ve been protecting customers for over 325 years
  • You can count on us
    We settled 88% of all home insurance claims in 2021

Policy add-ons

Tweak your policy with our add-ons and bump up the cover for your home if you need to.

Things that affect the cost of home insurance

Your home insurance price

Just like baking a cake, there are a variety of ingredients that mix together to decide how much you pay for home insurance.

Some are specific to you, like where you live or any past claims you’ve had. Others are to do with the world around you and what’s happening in the insurance market, like if we’ve been battered by a Beast from the East recently or there has been a rise in claims overall.

Find out more information about how we calculate your home insurance price.

What you need to get a home insurance quote

With our Home Insurance we’ve cut the questions to save you time when getting a quote.

You'll just need to tell us:

  • Personal information – the usual information like your name, as well as details of any home insurance claims you’ve made in the last five years.
  • Property details – things like your postcode, if you own your home, and if you live there permanently or not.
  • Your belongings – you’ll need to tell us about any valuables you have that are worth more than £2,000. Valuables are stamp, coin or medal collections, pictures, other works of art, items of gold, silver, other precious metal, jewellery or watches.
  • Policy details – pick your excess amount and any optional add-ons you want.

To help avoid some of the tricky questions, we'll make certain assumptions about your home instead. For example, that there’s no more than five bedrooms or that it hasn’t flooded before. You’ll need to check these assumptions and let us know if any aren’t true for you or your property.

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.

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 of 3

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. 

If you’re looking for something different

We've got a range of other options to protect what's important to you.

Home insurance FAQs

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

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?

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

Need help? Ask our chatbot

Still need help?

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