Buildings and Contents House Insurance

At Aviva, we try to make home insurance simple and offer three different types of cover.

Types of home insurance

We have three different types of cover to suit your needs. Choose from: Buildings and contents insurance, contents insurance or buildings only insurance.

Buildings and Contents

This is our most comprehensive home insurance.

What’s included in buildings and contents insurance?
Your home and permanent fixtures, such as outbuildings, interior decorations, fixtures and fittings, as well as fences and walls are all covered with this insurance.

You're insured against fire damage, storm damage and leaks. You can read more on this and any exclusions in our HomeCare Policy Document.

Personal belongings of anyone in your household are also protected against many events insured like burglary and fire.

Your furniture, clothes, possessions and even up to €400 worth of cash are also covered.


This insurance covers items that you would normally take with you when moving home.

What’s included in contents insurance?
The personal possessions of anyone in your household against many events insured such as burglary and fire are covered under this insurance.

Your furniture, clothes, possessions and even up to €400 worth of cash are also covered.

We offer contents only cover on a 'new for old' basis. This means that in most cases we replace any stolen or damaged items with new items.

If you’re renting from a landlord, contents insurance could be the best option.

To arrange this insurance, please call us on 1800 332 211.


This is the best choice for you if you’re building a new home.

What’s included in buildings insurance?
If you have employed a contractor to build your home (not a self-build). Buildings only insurance can provide cover for fire, explosion, lightning, earthquakes and smoke damage along with architects', surveyors', legal and other fees and associated costs until your home is fully built.

Once built, you can add contents cover to this insurance. You will then have buildings and contents insurance.

To arrange this insurance, please call us on 1800 332 211.

15% online home insurance discount¹

Get a quote or learn more about our home insurance.

How much buildings and/or contents cover do I need?

Buildings insurance

You should base your cover on the potential cost of rebuilding your home, plus approximately 10% legal fees, and not on its current market value.

A great resource is the House Rebuilding Guide for Home Insurance from the Society of Chartered Surveyors. This guide notes important things to consider when it comes to choosing home insurance.

Visit our how can I avoid under-insurance to learn more.

Contents insurance

At Aviva, we give you two options of contents cover:

  • Contents as a percentage of your buildings insurance:
    With this cover, you can choose from 20%, 30%, 40% or 50% of your buildings cover. E.g. if you insured your buildings for €200,000 and have chosen to insure your contents 30% of this amount, you will have €60,000 in contents cover. Note: this option is not available where you have selected contents only cover.
  • Individual contents
    With this cover, you can insure all the contents in your home for a separate sum, chosen by you.

What you get with your cover

What do you get with your home insurance?

Great discounts that keep your costs down

Optional cover so you can tailor your policy to suit your needs

And then there are the benefits

The relevant discounts and benefits available to you will be applied automatically and the optional covers applicable to the risk will be offered to you.

Get a buildings and contents insurance quote

Use our online home insurance quote form to get your buildings and contents quote in minutes. Simply fill-in some details about yourself and your home.

Important documents

Important information about your home insurance. You may find our glossary of terms helpful when reviewing your home insurance documents. Our assumptions are also available to you.

Looking for more information?

Need to contact us?

You'll find all the contact information you need here

1. Offer available when you take out a new policy online. Acceptance criteria, terms & conditions apply. Offer subject to minimum premium of €230 for home (€115 for Contents or Buildings only).
2. Acceptance criteria, terms and conditions apply. These monthly premiums are based on single life cover of €170,000 for a person aged 31 next birthday and a non-smoker, over a 25 year term, total amount €10.03. Source: Aviva Life & Pensions Ireland DAC as at July 2020.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland.

Car insurance and home insurance are underwritten by Aviva Insurance Ireland DAC.

Life and Protection Cover is underwritten by Aviva Life & Pensions Ireland DAC.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office One Park Place, Hatch Street, Dublin 2.