Buildings and Contents Insurance

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

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 possessions are protected, while mortgage protection repayments are if the unexpected happens.

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. (terms and conditions apply)
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. (terms and conditions apply)
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, terms and 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:

For buildings insurance, you should base your cover on the cost of rebuilding your home. A great resource is the House Rebuilding Guide for Home Insurance from the Society of Chartered Surveyors
For contents insurance, you can either choose to price your contents as a percentage of the cost of your buildings insurance, or you can personalise your level of coverage. Try Aviva’s Contents Insurance Calculator to work out the value of your contents.

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.

Policy 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.