Please refer to your policy and schedule for details of your cover, as specific terms, conditions and product benefits may apply to your policy. 

Buildings cover

This covers both buildings and other permanent fixtures, such as: 

• Outbuildings
• Fixtures and fittings
• Interior decorations
• Fences and walls

How much buildings cover should I choose?

The amount of cover you choose, or the sum insured, is very important and often misunderstood.

You should base this on the rebuilding cost of your home, not the market value.

Visit the the Society of Chartered Surveyors website to get their home rebuilding costs guide.

Our buildings cover is index-linked, which means that we will increase your cover in line with increases in rebuilding costs, unless you tell us not to.

Find out more about rebuilding costs.

Contents cover

• Covers household goods and any personal belongings, including cash up to €400, that are kept in your home
• Covers contents belonging to you and any member of your household

Contents cover is offered on a ‘new for old’ basis, which means that in most cases we will replace stolen or damaged items with new items.

How much contents cover should I choose?

You have a choice of two options:

Contents cover as a percentage of buildings cover

• Choose from 20%, 30%, 40% or 50% of your buildings cover

For example, if your buildings are insured for €200,000 and you choose the 30% option, you’ll get €60,000 contents cover.

Individual contents cover

• This represents the total value of all your contents, as a separate sum insured
• You must insure for a minimum €23,000

Read more about these costs in our property guide.

More standard benefits

Our home insurance includes many more benefits as standard, such as automatic extra cover at Christmas or for family weddings.

Get more information on home insurance quotes from Aviva