Buildings and Contents Insurance

Aviva’s buildings and contents insurance ensures your home is protected and you get peace of mind.

Buildings and Contents Insurance has been awarded an overall rating of ( 4.6/5 from 735 reviews )

What is buildings and contents insurance?

Aviva home insurance product provides buildings and contents cover, but these covers can be purchased separately of each other based on your individual needs.  This means that your home’s structure and permanent fixtures and your personal possessions would be covered if you purchase our building and contents cover.

What’s included in buildings and contents cover?

What's covered
  • Damage to your property and belongings
    Caused by events like fire, theft, subsidence and flooding – this includes contents in garages and outbuildings within property boundaries. Conditions and limits apply
  • 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
  • Cover for matching items
    We'll cover the cost of replacing undamaged items in a set if we're unable to provide a matching replacement (up to policy limits, conditions apply)

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

Please read policy documents for details of all exclusions and limitations.

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How much cover do I need?

To decide how much cover you need for buildings and contents insurance, there are a few things to consider:

Policy Benefits included under Buildings & Contents Insurance

You can enjoy the following benefits with Aviva’s buildings & contents insurance cover. Cover limits do apply on our benefits, see our HomeCare policy booklet for more details.

Alternative accommodation

Up to €1,000 title deeds coverage

Coverage for visitors’ belongings up to €400

Refunded payments for stolen credit or debit cards

Frozen food replacement costs

Door lock replacements

Fire brigade charges

Legal expenses

Is buildings and contents insurance right for me?

A buildings and contents insurance is a great choice for many homeowners, as it gives peace of mind that both your home structure and your belongings are looked after if anything happens. Separate policies may be more suitable for renters or those starting to build their own home.

Important documents

Here you can find important information about your coverage and the services we provide. You may find our glossary of terms helpful when reviewing your home insurance documents. Our assumptions are also available to you.

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