Grab a quote in minutes, that’s home insurance solved

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Aviva Home Insurance has been awarded an overall rating of 4.6/ 5from ( 789 reviews) customer reviews

It’s there to protect your pocket from the cost of fixing damage or replacing things that are stolen, usually because of bad weather or break-ins. In other words, if high winds hurl tiles from your roof, you find your lounge knee-deep in water, or a burglar empties your home of jewellery and laptops.

Fingers and toes crossed, none of this ever happens. But if it does, our home cover will rebuild your walls and put money in your bank account to refill your wardrobes and get you back to everyday life.

You can also bulk up your cover using a pick and mix of extra add-ons. They can squash the worry of accidental spills and smashes, give you an expert helping hand with legal worries or protect your bike once you’ve pedalled away from your front door.

Anyone who owns their little patch of the UK should think about getting cover. Your mortgage lender (if you have one) probably demands it. Because your house or flat is likely to be the most expensive belonging you have, and by some distance. Home insurance can place a protective bubble around the value of its bricks, beams and ceilings – and all the loose bits and pieces inside – in case of things like fire, theft, and flooding.

Our insurance is cut to fit anyone who lives in the home they own. But we also have insurance that would suit you when renting out your property, or if you live under a rented roof.

You can take out cover that focuses on getting the building itself back to its tenant-ready best, if there’s damage to fix or bits to rebuild. So you can flick the switch back to normal – for your tenants and your rent money – as soon as possible.

Explore our landlord insurance

Ask your landlord what home insurance they already have. If they’ve ticked off buildings insurance as part of the deal, just protect all the prized possessions that have moved in with you.

Explore contents insurance for tenants

Our home insurance neatly stitches together two different types of cover. For the solid structure of your home, there’s our buildings insurance. For all the furniture, appliances, clothes and valuables you fill it with, there’s contents insurance.

We don’t always stretch to the cost of fixing or replacing anything that’s taken several strides past its best just because it’s old (what we insurers call ‘wear and tear’).

You can take them out separately if you only need one or other. To find out more, see our summary of cover (PDF 90 KB).

What’s covered

Damage to your property and belongingsCaused by events like fire, theft, subsidence and flooding – this includes damage to garages and other outbuildings, and anything inside
Cost of lost rent or somewhere else to stay Your safety comes first. So, if you have to move out for a while after a successful claim – or your tenants do and you’re not getting rent – another place to stay is on us
Protection against injuries or property damage If you employ someone in your house in a way that our policy covers (like a cleaner) and they get hurt doing their work, we’ll help pay any costs

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

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Make your cover as unique as your living room wallpaper. Add any of these extra twirls and flourishes that cost a bit more but can stretch your safety net even wider.

Guard against those clumsy moments or mishaps at home. Like treading on a games console, or knocking over speakers. Cracking your glass tabletop. Or if your septic tank or service pipes spring a leak.

We’ve got two levels of cover. Here’s how they dial up the value of your building’s insurance or contents insurance.

Limited cover

Boosts your buildings insurance with cover for:

Any fixed glass (aka windows or glass doors)
Fittings connected to a water supply, like your bathroom sink (not appliances like washing machines or dishwashers)
Service pipes and cables

Ramps up your contents insurance with us by covering:

Non-portable home entertainment equipment
Glass in furniture like cabinets or coffee tables
Mirrors (the cost, not the bad luck)

Extra cover

This flexes its protective muscles, and covers accidental damage to every other square inch of your home for buildings insurance, and almost everything you own for contents insurance.

We don’t cover costs to fix or replace anything that was faulty in the first place, was badly designed or that someone fitted in the wrong way.

While bikes (the kind you pedal) are covered in your home under our normal contents insurance, we can layer on extra cover for any bikes you and your family use – wherever in the world you hop onto the saddle.

However many bikes you’d like to insure, just choose the amount that’s enough to replace the most expensive, between £300 and £5,000.

We don’t cover stolen bikes you’ve left on their own, unless they’re locked inside a building, or to something that can’t be moved.

Just like baking a cake, there are many ingredients to measure out, mix, fold and whisk together that decide how much you pay for cover.

Some are just about you, like where you live or how many past claims you’ve had. Others are about the world around you and what’s happening in the world of insurance – for example, if we’ve been battered by another Beast from the East, or more people are making claims across the whole country.

Find out how we calculate your home insurance price

When our doubly protective home insurance (bolting together buildings and contents cover) is more than you need, see if these tick the boxes instead:

Explore Buildings Insurance

Explore Contents Insurance

Explore Tenants and Renters Insurance

Explore Landlord Insurance

Our cover has been given a 5 Star Rating by Defaqto. Their experts open the front door of our policies, and delve into every last corner – it’s not based on opinions or hearsay.

It takes a name you can trust Over 625,000 people protect their home with us ³
You can count on us We’ve been protecting customers for over 325 years
We’ll get your home back to normal We settled 88% of all home insurance claims in 2021

Whizz through in less time than it takes to finish your cup of tea – and we’ve put together a quick checklist below, which should help make it even whizzier.

Get a quote Retrieve a quote

TrustScore 4.6 / 5 from 789 customer reviews on Trustpilot Read all 789 reviews for Aviva Home Insurance

So that we can tot up your price accurately, we’ll ask for a few snippets of information.

About you – just the usual, like your name and 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.
Your belongings – pinpoint any valuables worth more than £2,000, like stamp, coin and medal collections, works of art, any gold, silver or other precious metals, or jewellery and watches.
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 taken a broom to some of the trickier questions and brushed them out of your path. To do this, we’ve followed certain hunches (known as ‘assumptions’ in the insurance world) about your home instead. For example, that you have five bedrooms or fewer, and that flood waters have never washed through your home before. You’ll need to look through these assumptions, and tell us if any aren’t true for you or your property.

First of all, find your documents, as you’ll need your insurance policy number. Gather up photos of anything that’s been damaged or lost (if you have them), and any receipts, quotes or invoices.

Once you’ve piled everything together, it’s time to claim. We’ll aim to get in touch with you within 2 hours when you claim online. Or start the ball rolling by phone on 0345 030 6945. ^{^}

When it’s an emergency – say your home isn’t secure after a break-in or weather damage means it’s not safe to stay put – get in touch with us right away.

You can also have a quick look through our guide about making a home insurance claim.

^{^} For our joint protection, telephone calls may be recorded and/or monitored. 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. Our opening hours may be different depending on which team you need to speak to.

Personal belongings cover is a way to boost your home insurance cover with us, on things like mobiles, laptops, jewellery and cameras, whether you’re at home or out and about. You’ll just need to let us know about any one item worth more than £2,000.

You can add personal belongings cover to your quote in the Personal items section on the Your quote page.

If you’re a new customer, you can find cover limits and exclusions in our Policy Booklet (PDF 348 KB) and our Overview of benefits (PDF 90 KB).

If you have home insurance with us already, cover limits and exclusions are in the Documents section once you log in to MyAviva.

Our contents insurance covers bicycles in your home. We’ll only pay out on bikes stolen from your garden if they’re locked to something that can’t move.

We offer extra cover for bikes owned by you and your family while you’re away from home anywhere in the world with our Pedal Cycle add-on. It doesn’t matter how many bikes you’d like to insure, just choose the amount that is enough to replace the most expensive cycle between £300 and £5,000.

If you are already have home insurance or contents insurance with us, you can add bicycle cover in MyAviva. Once you’ve logged in, simply:

Choose Your policies
Pick Details
Choose Amend my policy
Under Contents cover and then Personal belongings – covered in and away from the home put in how much your most expensive bike costs next to Cover for your cycle(s)
Choose Continue to add them to your policy

Your policy schedule will tell you the limits for anything stolen from your garden and any outside buildings.

We don’t ask you to have any fire alarms in particular. This includes if you have home insurance with us in Scotland, even though the law around smoke and heat alarms in the home changed on 1 February 2022. If you did have a fire in your property, your insurance would still cover you, subject to the terms and conditions of your policy.

Wherever you live, though, we’d encourage you to fit linked smoke and heat detectors in your home to protect your family, your home and your belongings in case there’s a fire.

See all home FAQs

If you already have insurance with us, you’ll find the documents for your policy in MyAviva.

Insurance product information document (PDF 76 KB)

Important information document (PDF 122 KB)

Insurance policy wording (PDF 348 KB)

Home summary of benefits (PDF 90 KB)

Home Emergency Cover policy (PDF 257 KB)

Legal Services policy wording (PDF 334 KB)

About our insurance services (PDF 25 KB)

Flick through the help we’ve put together about our home insurance, what it covers, and even how to protect your home in different ways.

See all our articles

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