Ovation® home insurance

Aviva’s exclusive insurance program

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Rated AA- by Standard and Poor’s and Fitch Ratings

Get a higher level of home insurance coverage...

Taking care of you and your finer things with higher coverage amounts.

...that helps you continue your daily life if you have a claim...

Coverage for your additional living expenses that meet your current standard of living  if you need to move out of your home after a covered claim. 

with liability coverage to protect you even more

Coverage that helps you pay your legal costs  if you’re sued for libel, slander, defamation of character,  or if you donate your time as a director/officer for a non-profit corporation/ organization or condominium corporation.

Ovation® home insurance

The more you have to lose, the less time you have to manage it. When you have family, multiple homes, fine valuables, and a reputation to protect, insurance gets complicated. We make it simple by giving you coverage and a full range of coverage options all through Ovation®.

An Ovation® policy includes…

  • Valuables
  • Personal legal liability 
  • Additional living expenses
  • Water protection
  • Service line (available in select provinces)
  • Identity theft and fraud
Woman standing near window drinking coffee and using her cellphone.

Coverage beyond your home

  • Your house and other structures on your property like a garden shed
  • Your belongings
  • Personal liability
  • Living expenses if you need to move out of your home after a covered claim 
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Add optional coverage to fit your needs

Get the additional coverage you need to protect what you value most.

Availability, eligibility and pricing vary by province. 

Water protection

Get additional protection with overland water coverage.


Upgrade your policy’s personal legal liability coverage with a higher coverage amount plus additional coverage to protect you even more.

Equipment breakdown

Expand coverage for your home’s state-of-the-art systems to cover sudden and accidental breakdown. 

Household lifestyle

Get coverage for expenses for the care and support you and your family may need after a traumatic event such as an abduction, home invasion, or violent threat.

Cyber insurance for your household

Defend against digital risks with a full range of services to protect you and your family from potential cyber vulnerabilities.

Get expert advice for your insurance needs

Ovation® claim service

It’s about keeping you in control and your stress to a minimum

Once your claim is reported to us, our Ovation® claims team starts taking care of you, and the things you haven’t even considered. Get answers right away with options that work around you, and with as little disruption as possible. 

We don’t want you on hold, off work, or worrying about your claim.

A couple speaking with an insurance representative about a claim with inspectors in the background assessing the home.

Get priority service 24/7

Report a loss anytime. We’ll respond quickly and connect you with expert professionals who specialize in claims for high-value homes, vehicles, and more.

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We cater to your unique needs

We’re here every step of the way. You’ll deal with one point of contact who understands your lifestyle –from special attention for a valuable item, to referrals for counselling services* to help you through a traumatic event, we’ve got you covered.

An auto repair expert with a clipboard inspecting under the hood of a vehicle.

Your choice of experts

We only work with expert appraisers, restoration firms and repair facilities. And you always have the option to choose your own.

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Flexible settlement options

We provide fast-track approvals for repair estimates, optional cash settlements, and payments within 48 hours from when we receive all documentation required to finalize your claim.

Do you have more to cover?

Daily driver. Classic convertible. RV. Yacht.

We have coverage available.


Get coverage plus valuable policy add-on options such as a stated amount for older vehicles in the event of a total loss, and Claim Protector to protect your driving experience rating after your first at-fault accident.

Collector car

Get coverage through our exclusive partnership with Hagerty®, the leader in providing coverage for a wide range of antique and collector cars. Our insurance policy covers you across Canada and the U.S., from showing your car at a parade to classic car events, and even an occasional leisurely drive.


Recreational vehicle

Coverage that’s designed for the RV lifestyle. Our RVLife policy includes coverages not found in a standard auto insurance policy such as roadside assistance and coverage for your contents, plus a range of valuable policy add-ons to suit your needs.


Every NauticLife policy includes broad navigation territory, Aviva Marine Assistance Program that provides boating assistance and towing services, and coverage add-ons specifically designed for the boating lifestyle.

Want to know more about Ovation®?

*Counselling services are provided through an Aviva Canada Inc. contracted third party service provider. Referral services are provided by Aviva Canada Inc.
**Not available in British Columbia, Manitoba and Saskatchewan

The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance broker if you would like to learn more. Aviva and the Aviva logo are trademarks used under license by the licensor. Ovation® and their associated word marks and logos are trademarks, designs and other forms of intellectual property owned by Aviva Canada Inc. Hagerty is a trademark used under license. Ovation® insurance products are underwritten by Aviva Insurance Company of Canada, Traders General Insurance Company and Elite Insurance Company.