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What is Aviva Signature buildings insurance?
Our buildings insurance gives you cover for the structure of your home – everything from the walls and pipes behind them to the roof and windows. You’re covered for things like fire, theft, flooding and weather damage, where we’ll pay to repair or rebuild the parts of your home that are damaged. If someone’s injured or their property is damaged because of your home, our cover can help pay any costs if you are legally responsible.
You can take out our Aviva Signature buildings insurance on its own, or with our Aviva Signature contents insurance as a complete home insurance package. Plus, we have optional add-ons if you want to personalise your cover.
What are the benefits of our cover?
Unlimited buildings sum insured
There's no limit to the overall amount we'll cover your property for.Footnote [1]
Cover for alternative accommodation
We'll cover you for alternative accommodation until your home’s fit to live in, up to £100,000 for buildings insurance, and £25,000 for contents insurance.
A tradesperson, to secure your home, in 2hrs
Under buildings cover, we'll aim to send you an approved tradesperson within two hours of your call to secure your home and make it safe after a break-in.Footnote [2]
Matching items cover for buildings
We'll cover the cost of replacing undamaged items in a set or suite (such as tiles, basins and fitted furniture) if we can't provide a matching replacement, up to the buildings limit. Conditions apply.
Do I need buildings insurance?
Usually, if you have a mortgage, you need buildings insurance – it’s a requirement of most mortgage providers. Even if you own a property but don’t have a mortgage, it’s worth thinking about. If your property is a house, it’s up to you to get buildings insurance. If it’s a leasehold flat, then the freeholder is usually responsible for organising the cover. Our buildings insurance covers you for damage caused by:
- fire, including smoke damage and explosions
- storms, flooding, lightning and earthquakes
- burglaries and acts of vandalism
- escape of water and heating fuel leaks
- subsidence, heave and landslip
- fallen trees or other objects like aerials
We know it’s not always one size fits all with home insurance. That’s why we have specific cover for landlords and tenants.
If you’re a landlord
Our Aviva Signature home insurance for landlords covers the cost of rebuilds and repairs if your property is damaged. So you and your tenants can get back to normal as quickly as possible.
If you’re a tenant
Check with your landlord what home insurance they already have. If they have Aviva Signature buildings insurance, you probably only need cover to protect your possessions. Take a look at our tenants and renters insurance.
How much should I insure my building for?
Buildings insurance is usually calculated based on how much it would cost to rebuild your home. This isn’t necessarily what you paid for the property, or how much it’s worth now.
With Aviva Signature buildings insurance, we offer an unlimited cover amount. So when you get a quote with us, you won’t need to give us a rebuild value for most homes, but there are some exceptions. Footnote [1]
What does Aviva Signature buildings insurance cover?
Our buildings insurance covers you for damage to the structure of your home – walls, floors, the roof and permanent fixtures. While we all hope we don’t have to go through events like a fire, flooding or theft, it’s worth protecting your home so you’re prepared if the worst does happen.
What's covered
- Unlimited buildings sum insured
There's no limit to the overall amount we'll cover your property for Footnote [1] - Alternative accommodation
We'll cover you for alternative accommodation until your home’s fit to live in, up to £100,000 for buildings insurance, and £25,000 for contents insurance. - Cover your public liability
Our standard buildings policy covers your liability to the public as the homeowner. Conditions and limits apply. - Matching items cover
We'll cover the cost of replacing undamaged items in a set or suite (such as tiles, basins and fitted furniture) if we can't provide a matching replacement, up to the buildings limit. Conditions apply. - Replacement locks
If the keys to your home are lost or stolen, we’ll pay to replace the locks or lock mechanisms Footnote [3].
What's not covered
- Wet rot, dry rot or frost damage
- Damage that’s happened slowly over time
- Fences, gates or hedges damaged in a storm
- Claims because something’s faulty or built badly to start with.
Please read policy documents for details of all exclusions and limitations.
Important documents
If you already have insurance with us, you'll find the documents for your policy in MyAviva. In your document library, you’ll find your Insurance product information document (PDF 76 KB), an Important information document (PDF 122 KB), and your Insurance policy wording (PDF 348 KB).
You’ll also find a Home summary of benefits (PDF 90 KB), a document About our insurance services (PDF 25 KB), and if applicable, your Home Emergency Cover policy (PDF 257 KB), Legal Services policy wording (PDF 334 KB).
Manage your Aviva Signature buildings insurance online
No admin fees for making changes
No admin fees for making changes You can make changes to your policy free of charge. This includes updating your details or changing your policy. If you want to cancel, there might be a cancellation fee.
Manage your cover online
Manage your cover online Log in to MyAviva and you’re good to go – whether it’s updating your policy or making a claim.
Boost your home cover with our optional add-ons
Accidental damage
We’ll cover accidental damage to your home and belongings – like dropping a paint pot or putting a nail through a water pipe. Add it for both buildings and contents cover, choosing from two levels of cover.
Legal services
Get access to a 24/7 helpline to help you with legal problems, from employment law to personal injury and more. We'll pay up to £100,000 in legal costs for you and anyone in your family who lives with you for each claim you make if there is a reasonable chance of your claim being successful.
Home emergency
We’ll pay to put things right – including parts and material – up to £1,000 per claim. Plus, we’ll pay your hotel bill up to £1,000 per claim. And there’s no excess to pay on either. T&Cs apply.
Protect your No Claim Discount
Make sure one claim doesn’t make five years or more of hard-earned discounts disappear.
Please check your policy documents for more details.
Why choose our buildings insurance?
It takes a name you can trust. Over one million people protect their home with Aviva, as of February 2026.
If you already hold a qualifying Aviva policy with us, we'll give you a 10% discount on new Aviva Signature home insurance policies.
Discount excludes optional extras. Terms apply. Footnote [4]
We’ve got endorsement from experts.
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Start a claim online or by phone. We’re there when you need us – 24/7, 365 days a year.
Get a quote in minutes
You could get a quote for Aviva Signature buildings insurance in minutes. We’ve also put together a checklist to make it even easier.
To help us tot up your price accurately, we’ll ask you for some information:
- About you – just the usual like your name, date of birth, and if you’ve made any home insurance claims in the last five years.
- About your home – things like your postcode, whether you own your home, and if you live there all the time.
- About your policy – pick how much you’d be prepared to pay towards the cost of a claim (known as an excess) and any optional add-ons you want.
We’ve simplified things by making some assumptions – like that you have less than five bedrooms, and that flood waters have never washed through your home before. You’ll see these assumptions as you complete your quote. Please check them carefully and tell us if they don’t apply.
Looking for a different type of cover?
We’ve got a range of products to protect what’s important to you:
Home insurance 
Contents insurance 
Home insurance for landlords 
Contents insurance for renters 
Our chatbot can connect you to the answers and people you need
If you can’t find what you’re looking for, our chatbot can give you instant support around the clock, help you manage your account or direct you to the right team if you need to speak to someone.
Aviva Signature buildings insurance FAQs
Is buildings insurance a legal requirement?
How is the rebuild cost for a home worked out?
What’s the difference between buildings insurance and contents insurance?
Does buildings insurance cover outbuildings?
What happens if I move house?
Do I need buildings insurance for a leasehold flat?
Does buildings insurance cover subsidence?
Learn about caring for your home
We’ve put together a range of simple guides and handy tools to answer your questions about protecting your home, so you can feel confident and prepared.
Home insurance
What’s the difference between buildings and contents insurance?
What type of cover should you choose?
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First time buyers
Important stages of the house buying process
Buying or moving into a home comes with big decisions — from choosing a neighbourhood to finding the right cover for your new place
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Home insurance
Your home insurance price explained
Your premium depends on factors like your risk of claiming. Find out what else affects your price.
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Home insurance
Legal Services Cover explained
Confused about legal cover? Here’s a quick look at the cases our optional legal services can help with if added to Aviva Signature home insurance.
Contents insurance calculator
It can be a bit tricky to calculate the value of your belongings. Use our contents insurance calculator to estimate the value of your contents.