Home insurance

Give your home and personal property the insurance protection it needs

Get a home insurance quote

We provide home insurance for over 860,000 homes across Canada

Comprehensive home insurance coverage…

Protect your home and belongings from the unexpected.

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

Home insurance coverage that helps pay for your additional living expenses if you need to move out of your home during a covered claim.

…with coverage for your personal liability too.

Home insurance helps you pay for your legal costs if you’re sued for causing unintentional physical injury or damage to someone else’s home or property.

Find the right home insurance for you

Your home is your most valuable asset. Make sure you protect it and your belongings with a home insurance policy that’s right for you. We offer a variety of coverage options so that you can find insurance that meets your needs.

Father giving son a ride on his shoulders outside their newly insured house.

A comprehensive home insurance policy coverage includes...

  • Fire,  explosion, theft, and vandalism
  • Damage from falling objects, such as a tree branch
  • Lightning, hail, and windstorm damage
  • Certain types of water damage 

Coverage can extend beyond your home and property

  • Other structures on your property like a garden shed
  • Your belongings
  • Personal liability
  • Living expenses
Small grey garden shed in the backyard.

Need help deciding on a home insurance policy?

If you aren't sure which homeowners insurance coverage to choose, here are some recommendations. Make sure you talk to your insurance representative to help you find the home insurance coverage that’s right for you. Your insurance representative will give you a competitive quote, property coverage options, and answer your questions.

Insurance availability, eligibility, and pricing vary by province. 

If you want the insurance essentials

  • Comprehensive policy
  • $1 million personal liability

Plus add this optional coverage

If you want a bit more coverage

  • Comprehensive policy
  • $1 million personal liability

Plus add these optional coverages

If you want the works

  • Comprehensive policy
  • $2 million personal liability

Plus add these optional coverages

Want to know more about optional home insurance coverages?

Water Protection

Get additional protection for your home with sewer back-up and overland water coverage.

Service Line

Coverage to help cover the costs to repair or replace failed underground service lines on your property.

Disappearing Deductible

Reduce your deductible every consecutive year you’re claims-free. 

Green Assure

Replace damaged items in your home with eco-friendly alternatives. For example, flooring.

Claim Protector

Keep your claims-free discount after your first insurance claim.

Home Protect Bundle

Protect your home and property even more with this bundle of features.

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.

Trust an award-winning insurer

In 2021, Aviva was voted by insurance brokers as one of Canada’s top home insurers through Insurance Business Magazine Canada, receiving 5-Star Excellence Awards in the categories of:

Trust an award-winning insurer

Get expert advice for your insurance needs

If you are a homeowner and have questions regarding an insurance plan or simply need a property insurance overview, contact one of our home insurance representatives today. Our insurance representatives can also give you an estimated home insurance quote.

Water protection

Insurance coverage to help pay for the costs of water damage caused by sewer back-up, or overland water entering your property or home. 



Learn more

Roof and Siding Limitation endorsement

Learn how to mitigate the damage to your property inflected by severe weather events and how the limitation will be applied in the event of a claim.

(Applicable to Alberta, Saskatchewan and Manitoba only)

Learn more

Ask about bundling your home and auto policies

You’ll get a discount when you combine your home and auto insurance policies.

Save more

Get an additional insurance discount.

Got more to cover?

If you have a condo, car, property, or other assets to insure, check out our additional insurance policies. To get a quote for these policies, contact one of our insurance representatives.  






House insurance FAQ

  • Is house insurance mandatory in Canada?

  • How much does house insurance cost?

  • How can I save on my house insurance?

  • What does house insurance cover?

  • Do I need to let my insurer know if I start a home-based business?

  • How can I protect my house from water damage?

Have a home, multiple cars, cottage, and more?

Get expert advice for more complex insurance needs.

The content on this page is for information purposes only. The insurance products described herein are subject to eligibility, terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance representative if you would like to learn more. Availability and pricing vary by province. Certain terms and conditions apply. Please contact your insurance representative for more information.