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Home Insurance

Defend your dwelling: Secure peace of mind with home protection

  • ​Safeguard your home and belongings

  • Stay protected against accidents and legal claims

  • Enjoy security and reassurance for your home

Why do I need home insurance?

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.

5 Star rated home insurance from just £160. That's all 10% of customers paid . Excludes optional extras. 10% of customers buying Aviva buildings and contents insurance with us from 1st August to 31st October 2022 paid this price or less (excluding optional extras). The price you'll pay depends on individual circumstances and cover chosen.

Do you already have home insurance with us?


 

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The benefits of our home insurance

Make new claims online or via phone 24/7

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.

We’ll pay whatever it takes to rebuild your home

When your home’s in bad shape, we’ll pay to piece it back together again – with no limit on how much this costs.

We’ll put another roof over your head

If your insurance covers the damage to your home, it also picks up the bill for you to stay somewhere else (within reason) until your home’s fit to live in.

Who needs home 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.

If you’re a landlord

 

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.

If you’re a tenant

 

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.

What does home insurance cover?

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.

You can take them out separately if you only need one or other. 

What's covered

Damage to your property and belongings

Caused 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

How much does home insurance cost? 

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.

Why choose us for home insurance?

Our cover has been given a 5 Star Rating. Our 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 120,000 people protect their home with us 

You can count on us

We’ve been protecting customers for over 16 years

We’ll get your home back to normal

We settled 88% of all home insurance claims in 2021

Get a home insurance quote in minutes

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.

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What you need to get a home insurance quote

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

  1. 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.

  2. About your home – things like your postcode, whether you own your home, and if you live there all the time.

  3. 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.

  4. 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.

Other ways to use your money

If you’re not sure if income drawdown is right for you, take a look at other options for taking money from your pension once you’re retired. You can see more and compare your options here.

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Pension Annuity

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Mix and match your retirement options

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Leave your money where it is for now

Learn more about your pension options

Transfer your pensions

If you have a pension, or several pensions, you can bring everything together in one place. Even if the amounts are small, it all adds up.

Your workplace pension

Our savings marketplace offers you a selected range of cash savings accounts. Each has competitive interest rates, so it's just a case of finding the one that best suits you.

Manage your pension

Start saving for your retirement, or bring all your pensions into one place with out flexible Self-Invested Pension Plan (SIPP).

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Not sure if you should save your money or use it to invest? Our articles can help outline the options open to you.

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