Aviva Home Insurance Review (2026)
Aviva home insurance: The basics
While it’s important to compare multiple quotes before settling on a home insurance policy, Aviva offers some of the most competitive rates among home insurance companies in Canada.
Aviva Insurance: What you should know
- Founded: 1834 (192 years in business)
- Parent company: Aviva plc
- Underwriting companies: S&Y Insurance Company
- Website: www.aviva.ca
- Phone number: 1-855-788-9090
- Availability: Nationwide
- Home insurance products: Homeowners, condo, tenant, high-value home, cottage, manufactured home
What does Aviva home insurance cover?
Aviva home insurance covers your home against a wide range of perils, or causes of loss. All Aviva policies start with comprehensive coverage, which covers all perils except those named specifically as exclusions in your policy documents.
Standard coverage options
All Aviva home insurance quotes include the following coverage options by default:
- Dwelling coverage: Aviva calculates the appropriate amount of dwelling coverage needed to cover the full estimated cost to rebuild your home.
- Detached private structures: Aviva sets coverage for detached structures like fences and sheds at 15% of your dwelling coverage limit.
- Contents coverage: Coverage for your personal belongings, including clothing, furniture, and electronics is set at 80% of your dwelling coverage limit.
- Additional living expenses: Loss of use coverage pays for added expenses like hotel rooms or meals while you’re temporarily unable to live in your home due to a covered loss. Aviva sets this limit at 25% of your dwelling coverage limit.
- Voluntary medical payments: This coverage can pay reasonable medical expenses for a non household member injured on your property, even if you’re not legally liable. Coverage is set at $5,000.
- Voluntary property damage: Aviva assigns a limit of $1,000 for property damage you cause unintentionally, regardless of legal liability.
- Personal liability coverage: Aviva offers liability coverage limits of $1 million to $5 million to cover personal injuries and property damage you’re found legally responsible for, even if it happens off-premises.
- Policy deductible: You can set your entire policy deductible between $500 and $5,000.
- Water damage deductible: Aviva assigns a default $2,500 deductible for water damage claims.
- By-law coverage: Aviva includes $30,000 of coverage at no additional cost to rebuild your property in compliance with new building codes. You can raise your limits if you choose.
By default, all Aviva home insurance policies use a single combined limit for dwelling, detached structures, contents, and additional living expenses coverage. If you don’t have enough coverage for one type of claim, you can transfer unused coverage from another part of your policy.
Aviva home insurance policies also include guaranteed replacement cost coverage, meaning that your policy will cover the actual cost to rebuild your home, even if it’s greater than the amount listed on your policy.
Optional coverage and endorsements
In addition to the mandatory and included coverage listed above, you can add or remove the following coverage to any Aviva home insurance quote:
- Sewer backup: This endorsement, which covers water damage caused by a sewer backup, is available in increments from $5,000 to $100,000 or up to your policy limits. By default, Aviva includes $20,000 of sewer backup coverage.
- Overland water: To cover the entry of surface water or groundwater to your home, you can add overland water coverage with deductibles from $2,500 to $50,000. You can also choose to reduce or remove your personal property coverage for overland water damage, which can reduce costs in flood-prone areas.
- Special limits for jewellery: You have the option to increase the standard $6,000 limit for jewellery to $10,000. This will increase your premium by a flat $50.
- Personal property claim protector: This endorsement, available for $40/month, means your rate won’t go up after your first covered claim.
- Cyber protection coverage: For a $65 premium increase, you can add $25,000 of coverage for costs related to cyber attacks, cyberbullying, identity theft, online fraud, and data breaches.
- Disappearing deductibles: For each consecutive year that you remain claims-free, Aviva will reduce your deductibles by 20%, but you’ll need to call an advisor to add this endorsement to your quote.
- Green Assure: This optional endorsement pays to replace damaged property in your home with eco-friendly alternatives.
- Home Protect bundle: This bundle of endorsements includes $2,500 towards installing equipment after a covered claim that can prevent future claims (e.g. fire alarms or automatic water shutoff devices), $2,000 per claim for easy access to local contractors, and unlimited telephone assistance from lawyers and repair experts.
When you get home insurance quotes from Aviva Insurance, you’ll need to provide the following information:
- Your address
- The year your roof was last updated
- The type of heating your home uses
- Whether your property has a wood stove, pellet stove, sump pump, backwater valve, and/or septic tank
- Your name and contact information
- Your insurance history
Aviva home insurance discounts
Aviva Insurance offers at least four distinct discounts for home insurance:
- Home and auto bundle: Customers who purchase both home and auto insurance from Aviva can save up to 15% on their home insurance premiums.
- Buy online discount: Aviva notes that customers who buy home insurance online may be eligible for a discounted premium, but they don’t specify how large the discount is.
- Claims-free discount: Aviva offers an unspecified discount to customers who have stayed claims-free for a certain number of years.
- Insured age discount: Aviva takes homeowner age into account when pricing policies and offers discounts to mature homeowners.
Like most home insurance companies, Aviva may offer more discounts than they advertise publicly. Consider working with a broker to understand your discount eligibility.
How much does Aviva home insurance cost?
Aviva home insurance premiums in Ontario average just above $200/month, with basic quotes as low as $145/month and high-coverage quotes near $275/month.
Home insurance costs with Aviva may vary considerably from these averages based on:
- Province: Provinces subject to severe climate risk, such as Alberta and British Columbia, may see higher rates.
- Home location: Proximity to bodies of water, fire halls/hydrants, and elevation can all impact the cost of home insurance.
- Home age: Older homes may have higher insurance premiums due to the heightened risk of structural damage.
- Roof age: Your home’s roof is the best defense against multiple forms of damage, so an aging roof will raise your premiums.
- On-premises risk factors: Outdated electrical systems, wood stoves, swimming pools, and other property risks can raise the cost of insurance.
Aviva home insurance rates in Ontario
* All quotes are for a 45-year-old male applicant with a detached or semi-detached two-storey home built between 2000 and 2015 with a roof upgraded in 2020.
Aviva bundled home insurance quotes
To determine the cost of bundled home insurance from Aviva, we applied a bundling discount to each comprehensive home insurance quote and combined it with an auto insurance quote for a 2019 Honda Civic Sport.
Bundle savings for Aviva home insurance ranged from $23 to $40 per month, or 14–15% off the total premium. That’s close to Aviva’s advertised maximum bundling discount.
Over the course of a 25-year mortgage, Aviva’s bundling discount could save you between $6,900 and $12,000 on home insurance premiums.
The Aviva home insurance claims process
If you need to make a home insurance claim with Aviva, you’ll follow the process outlined below:
- Gather all required information: Aviva advises having your policy number, incident details, photo and video documentation, police reports (if applicable), an inventory of damaged belongings on hand before you file a claim.
- Take steps to mitigate further loss: It’s your responsibility to take any necessary steps to prevent further damage to your home during the claims process. For instance, you may need to cover broken windows or turn off your home’s water supply.
- Contact Aviva ASAP: Once everyone involved is safe and you’ve assembled the necessary documentation, reach out to Aviva as soon as possible to start your claim.
- Work with your insurance adjuster: Aviva will assign a claims specialist to review your claim and conduct an additional in-person assessment if necessary.
- Choose your contractor or payment route: You have the option to choose your own contractor to complete home repairs, work with a preferred vendor from Aviva’s network, or even take a cash settlement without making repairs to your home.
You can report a property claim to Aviva via the claims portal on the company website or make a call 24/7 to 1-866-MYAVIVA (1-866-692-8482).
Is Aviva good for claims?
To evaluate how smooth Aviva’s claims process tends to be, we searched Reddit for discussions of Aviva home insurance claims. Overall, few customers had stories to share about their experience, which can indicate that a carrier is typically reliable when it comes to claims.
How Aviva home insurance compares to other providers
* Monthly premium for comprehensive home insurance quotes across five Ontario addresses.
** Availability may be limited in Alberta.
Is Aviva home insurance right for you?
If you’re looking for the best price on home insurance with an auto insurance bundle in Ontario, Aviva home insurance may be a good option for you. You’ll get strong coverage options and one of the most powerful bundling discounts in the business.
The primary negative experience associated with Aviva’s home insurance product is customer service challenges. While some customers report frictionless service and claim experiences, especially with simple claims, others describe delays and reluctance to pay out on claims as a red flag in their relationship with Aviva.
FAQ: Aviva home insurance
This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.