Why Choose Aviva Home Insurance?
When it comes to protecting your home, you want an insurer you can trust. With Aviva, our home insurance comes with many benefits as standard, such as:
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20% discount
When you buy your policy online. Footnote [1]
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Fire Brigade charges
Cover for up to €3,500
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Title deeds cover
Up to €1,000 to replace title deeds to your home, if they were lost or damaged while in your home or lodged with a bank, building society or solicitor.
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Credit and debit cards
Protection for up to €2,000 in the home and while away within Europe. We'll also cover your first 30 days while away outside Europe.
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Frozen food cover
Up to €1,000 as a result of rise or fall in temperature, refrigerant fumes or refrigerant leaks.
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Visitor's belongings cover
Up to €400 whilst in your home.
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Replacement door locks
If your keys are stolen, we offer up to €1,200 to cover replacement door locks, alarm keys and safe locks.
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Emergency Home Assistance
24/7 support helpline when you need it most.
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Alternative accommodation
For you (and your pets) if you're unable to live in your home following an unexpected insured event with costs covered up to the value of 15% of your buildings and contents sums insured.
Optional extras such as accidental damage and all-risks cover can also be added for an additional premium.
Do you already have home insurance with us?
Help in a Home Emergency
With Help in a Home Emergency, you'll have access to our emergency service which includes:
- A repair service to secure your home and prevent further loss or damage caused by storm or any other accidental damage that makes your home unsecure.
- Cover for the cost of a callout, labour and materials for emergency repair (up to €250 per incident or €260 for broken glass that makes your home insecure).
- Access to a 24-hour emergency service.
- Overnight accommodation for up to four people (at a place of our choosing), with transportation provided from your home and kennelling for your pets.
- Up to 7 days' furniture storage including transport to and from the storage facility (up to 50km away).
- Aviva can also relay an urgent message to a family member in Ireland or abroad in the event of an emergency.
Christmas and weddings
The last thing you want to think about at Christmas and in the lead up to a wedding is insurance. That's why Aviva automatically increases your contents cover for free over Christmas, or when there's a wedding in your immediate family. Your cover increases by 10% for the month of December, as well as for 30 days before and after a wedding.
Legal expenses
As part of Aviva's home insurance, Aviva's ‘legal expenses’ cover gives you a number of useful services to help you with any legal questions you may have.
With this cover you have access to a legal advice helpline, which you can use to get advice on any personal legal matter, no matter how big or small. The helpline advice is absolutely confidential between you and your legal advisor. Footnote [2]
Home Insurance discounts with Aviva
We have some great discounts available, see the full list below:
- Save 20% when you buy your home insurance policy online. Footnote [1]
- Up to 40% off if you’re claim free.
- 12.5% home alarm discount - alarm must be installed and maintained in accordance with manufacturer's guidelines.
Loyalty discount
- Get 15% off both policies when you insure your car and home with Aviva. Footnote [3]
Learn more about our great home insurance discounts and see how much you could save.
Trusted by thousands of homeowners in Ireland
Your house is where your life happens! That's why it's important to have access to outstanding customer service and claims support. When you have home insurance with Aviva, you'll benefit from:
Reinstating your cover:
Made a claim? We'll continue to insure you for the same amount that we did before your claim.
Feefo Trusted Reviews:
With a Trust Score of 4.6/5 from thousands of verified Irish customers, you know you’re in safe hands.
Always here when you need us:
Our 24/7 Emergency Helpline means support is only ever a phone call away.
With Aviva, you’re choosing a provider that goes beyond the policy. We’re here 24/7 to help when it matters most.
What does Aviva Home Insurance cover?
We offer flexible cover so you can protect what matters most whether it’s your building, your contents, or both. You can also tailor your policy with optional extras like accidental damage or all-risks cover for valuables taken outside the home.
| Cover Type | What’s Included | Best For |
|---|---|---|
| Buildings & Contents | Our best cover option as it provides protection for both your buildings and contents under one policy. | Homeowners who want peace of mind with cover for both their buildings and contents. |
| Contents Insurance | Protection for your belongings inside the home, such as furniture, electronics, and valuables. | Homeowners and renters who want to insure possessions. |
| Buildings Insurance | Rebuild or repair costs for your home’s structure, including walls, roof, and permanent fixtures in the event of fire, explosion, lightning, earthquakes and smoke damage to name a few. | Only suitable for homes under the course of construction, as it protects the property itself. |
Secure your Home Insurance today
It is quick and easy to get cover with Aviva. Whether you are a first time buyer or switching provider, we will help you find the right option at a competitive price plus 20% online discount Footnote [1]
Avoid under-insurance, insure for the right amount
Did you know that your home should be insured for its rebuild cost rather than its market value? If your cover is too low, you may be under-insured, which means you might not receive the full amount if you ever need to make a claim.
Tools to help you get the right level of cover
Use these tools to take the guesswork out of getting a home insurance quote:
Making a claim is simple
At Aviva, we understand the importance of having help when you need it. That's why we've made our claims process as straightforward as possible:
Call our 24/7 claims helpline
for immediate support.
Log your claim online
anytime, anywhere.
Track progress
stay updated as we resolve your claim.
It’s all designed to give you confidence that when you need us, we’ll be there.
Types of Home Insurance cover available with Aviva
At Aviva, we know every home is different. That's why we offer a range of flexible cover options. Choose the policy that best fits your needs and get a home insurance quote online today.
1. Buildings & Contents 
Our best cover option, combining protection for your home’s structure and your belongings inside it. Ideal for homeowners who want complete peace of mind with one policy.
2. Contents Insurance 
Covers the items you’d normally take with you if you moved house such as furniture, electronics, jewellery, and personal possessions. A great option for anyone who wants to make sure their valuables are protected.
3. Buildings Insurance 
Protects the physical structure of your property, including walls, roof, and permanent fixtures, against risks like fire. Suitable for properties under construction and perfect if you’re building a new home.
4. Renters Insurance 
Tailored cover designed for tenants, helping you protect your possessions inside your rented accommodation. Affordable and flexible, it’s a simple way to safeguard the things you value most.
5. Landlord Insurance 
Specialist protection for property owners who rent to tenants. Cover includes buildings, landlord contents, and liability, giving you peace of mind that your investment is properly insured.
6. Holiday Home 
Safeguard your second home or holiday property in Ireland against risks like fire, theft, or storm damage. Flexible cover designed to give you security even when you’re not there.
Frequently Asked Questions
What is home insurance?
Home Insurance is an insurance policy that provides financial protection against specified covered events or losses for your home and contents. Taking out a policy can safeguard you financially in the long run as it ensures you won’t have to pay out of pocket for property damage or damaged/stolen contents should an insured event occur.
What does home insurance cover?
Our home insurance protects you against loss or damage to your Buildings and/ or Contents. A summary of the key information can be found below:
Buildings
- Loss or damage to the structure of your home (including garages and outbuildings) – cover for damage to the home caused by events such as fire, theft, storm, flood and subsidence.
- Escape of water – cover for damage caused by water escaping from your plumbing or heating systems.
- Breakage of glass – cover for the accidental breakage of ‘fixed glass’ e.g. windows, doors, and ceramic hobs.
Contents
- Loss or damage to your contents (in your home, garages, outbuildings and gardens) – cover for damage to your belongings caused by events such as fire, theft, storm, flood and subsidence.
- Escape of water – cover for damage caused by water escaping from plumbing or heating systems.
- Contents in the open – cover for household items temporarily taken outside the home but within the garden.
- Food in freezers – cover for the contents of your freezer in the event of the freezer breaking down.
Liability
- Your liability to the public – provides members of the household with cover if you are legally liable for injuries to a member of the public or their property. There is no cover for injury to members of the household or their employees.
- Liability as occupier of the premises – if members of the household are legally liable for injuries arising from the premises.
- Liability to domestic employees – as the employer of a domestic employee such as a cleaner in the event of you being liable for a loss or injury.
How do I get a home insurance quote with Aviva?
It’s easy. Just enter your details online, choose the type of cover you need, and we’ll give you a personalised quote in minutes.
What is the difference between rebuild cost and market value?
The rebuild cost is what it would take to rebuild your home from scratch, including labour and materials. This is usually lower than the market value, which includes land and location. Insurance coverage/sums insured should always be based on the rebuild cost.
How can I reduce the cost of my home insurance premium?
You can save by increasing your excess, installing a monitored alarm, combining buildings and contents cover, and buying online to get a 20% discount.
What is home contents insurance?
Contents insurance covers the possessions inside your home, such as furniture, electronics, and personal belongings, against events like fire, theft, or water damage.
Does Aviva cover Airbnb or short-term letting?
Standard home insurance doesn’t cover short-term letting. If you rent out your property on Airbnb or similar platforms, you’ll need a specialist landlord or holiday-let policy.
How do I make a claim on my home insurance?
You can call our 24/7 helpline or submit your claim online. We’ll arrange emergency help if needed, keep you updated, and aim to resolve your claim as quickly as possible.
What optional covers can I add to my policy?
Optional covers can include taking out cover for specific items such as jewellery, cameras, watches, and bicycles. You can also benefit from cover for unspecified items up to a certain amount ranging from €5,000 to €15,000 or cover individual items for an amount that you specify. Other add-ons include garden cover, caravan cover and child-minding cover.
Do you offer a no-claims discount?
Yes, we offer up to five years No-claims Discount on a sliding scale, based on the number of years you have held a claim free home insurance policy in your own name. If you are a first time buyer or have had no previous insurance, we will give you an introductory no-claims discount of 25%.
Who do I call to make a claim?
Call 1800 147 147 from 9am - 5pm, Monday to Friday, to talk to an experienced claims adviser or email us at propertyclaims@aviva.com. Have your policy number to hand when you call.
How do I make changes to my policy after it has started?
Contact our Customer Care Team on 1800 335 577 if you have taken your policy out through Aviva Direct
What is index linking and why has it been applied to my policy?
Index linking means your insurance amount / sum insured may automatically increase each year to keep up with inflation and rising building costs. This helps your cover stay more in line with what things actually cost over time.
However, it’s still important to make sure your original amount insured is accurate. If it started too low, index linking won’t be enough to fully protect you—but it will help your cover grow gradually to keep up with inflation.
What is under-insurance?
Under-insurance happens when the amount you’ve insured your buildings and/or contents for is less than the amount it would actually cost to rebuild your home or replace your contents. If you need to make a claim, this could mean you won’t get the amount necessary to fully rebuild or repair your home or replace your items.
To avoid under-insurance, it is essential that you regularly review your sums insured to make sure you are adequately covered. The sums insured can be adjusted at any time; you don’t have to wait until your policy renewal.
Learn more about under-insurance.