Aviva Home Insurance has been awarded an overall rating of 4.6 / 5 from (815 reviews) customer reviews
It’s there to help 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.
If you need to make a claim, let us know the details online straightaway. We’ve made it quick and easy to do. Or if you need to talk to us you can call us anytime 24/7. 24/7 available for new claims only
When your home’s in bad shape, we’ll pay to piece it back together again – with no limit on how much this costs Footnote [3]
If your insurance covers the damage, we’ll also cover you for alternative accommodation until your home’s fit to live in. We’ll pay up to £100,000 for buildings insurance, and up to £25,000 for contents insurance
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.
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.
Browse through our reading list of articles in your own time and start building the foundations in your home insurance knowledge.
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'll replace damaged items with new ones. Or pay for them to be restored, repaired or replaced. Damage due to wear and tear or breakdowns is not covered. Accidental damage is an optional cover. Cover allows for a refurbished mobile phone to be provided as a replacement.
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 not covered
Please read policy documents for details of all exclusions and limitations.
If you've ever been burgled or flood damaged, you'll know how important home insurance is. We all have valuables and expensive items at home we want to protect, from gadgets and jewellery to furniture and food.
It's important to understand what level of contents insurance is best. If you don't have enough, your policy won't pay to replace all your stuff after major flood, fire or burglary. But if you overdo it, you might overpay. Using our free home content value calculator, you can estimate the cover you're likely to need, based on what you own.
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.
Make sure one claim doesn’t make 5 years’ or more of hard-earned discounts disappear.
This cover could untangle many different problems that need a legal mind. These include:
Having this add-on is like a key that unlocks access to legal advice right around the clock through a 24/7 helpline. We’ll also back you with up to £100,000 in legal costs for you, your partner, and anyone in your family that lives with you. And that’s for each claim you make.
Know where to turn when your heating has a tantrum or swarms of bugs or mice decide to move in. Our home emergency cover includes:
Just so you know: this doesn't cover dual-purpose boilers, the usual appliances you’d plug in around the home (like your dishwasher), those small day-to-day fixes, wear and tear, boilers and electric heaters which we deem to be beyond economical repair in which case we will contribute £500 towards a replacement and electric vehicle charging points under the Electrical Emergency section are covered up to £2,000 per claim.
Going further than our contents insurance, this covers you in and away from the home, in the UK, or anywhere else in the world. You'll be covered for:
We can’t cover everything though. For example, we don't include business tools, or when electrical items stop working.
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.
Boosts your buildings insurance with cover for:
Ramps up your contents insurance with us by covering:
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.
When our doubly protective home insurance (bolting together buildings and contents cover) is more than you need, see if these tick the boxes instead:
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.
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.
TrustScore 4.6 / 5 from 815 customer reviews Read all 815 reviews for Aviva Home Insurance
So that we can tot up your price accurately, we’ll ask you for information.
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.
If you already have insurance with us, you'll find the documents for your policy in MyAviva.
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.
Tell us your new address, and when you’ll be living there, as soon as you can.
You might be able to do this in MyAviva:
If you can’t see this, get in touch using our online form.
Your cover will protect you against losing your mobile, or damage to it, if it’s in your home. This is part of your normal contents cover if it happens because of any event shown in our Policy booklet (PDF 348 KB). These include:
You’ll need extra cover to protect your phone against anything else happening to it, in your home or somewhere else. Cover allows for a refurbished mobile phone to be provided as a replacement.
Adding our extra cover level of accidental damage covers your mobile phone for accidents in the home. Personal belongings cover will insure your mobile phone against accidental damage, loss or theft anywhere in the world – which includes accidental damage in your home and garden. Please check your policy documents for restrictions, including those for theft from vehicles.
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:
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.
