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.
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
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
- Sewer back-up and Overland Water
- Service Line
- Claim Protector
- Disappearing Deductible
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:
- Dwelling coverage
- Content coverage
- Personal liability coverage
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.
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)
Ask about bundling your home and auto policies
You’ll get a discount when you combine your home and auto insurance policies.
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?
House insurance isn’t mandatory in Canada. However, most banks and mortgage lenders will likely require you to have house insurance as part of your mortgage agreement.
Your home may be one of the most significant purchases you’ll ever make. House insurance can help protect what matters most in the event something happens and give peace of mind.
Read more about why homeowners should consider getting home insurance.
Also read more about what happens if you don't have home insurance.
How much does house insurance cost?
Insurance companies consider a variety of factors to calculate the cost of your house insurance, including:
- The coverage you need and the deductible(s) you choose
- Property location
- 24/7 monitored security system
- Age of your house
- Type of your building (i.e., detached, semi, row, townhouse)
- Construction material (i.e., brick, stucco, wood, etc.)
- Type of electrical and heating system
- Proximity to a fire hydrant or fire station
How can I save on my house insurance?
There are a few ways you could save on house insurance:
- Combine your house and car insurance
- Review your policy yearly to take advantage of available discounts
- Increase your deductible
- Maintain a claims-free record
Routine home inspection and maintenance can increase safety, which may help you save on insurance by remaining claims-free.
There are various discounts available for house insurance policies that will be applied based on the information you provide.
What does house insurance cover?
House insurance policies typically cover three basic aspects: your house, your personal belongings and personal liability. It may also cover additional living expenses, such as a hotel or other rented accommodations if you can’t live in your home while it’s getting repaired due to a covered claim. There’s no one-size-fits-all solution for every homeowner. However, there’s a variety of coverage options, coverage amounts and deductibles to fit your needs, home and lifestyle.
When choosing a house insurance policy, think about your level of risk and determine your specific coverage needs. For example, if your house is in an area that has an increased risk of flooding or if you have costly jewellery or artwork that has a higher risk of theft and is more expensive to replace, you may want to consider buying additional coverage for your house insurance policy.
Beyond your property, personal belongings and liability, there may be more coverage options based on the information you provide.
Read more about what home insurance covers and what’s not covered.
Also read more about how insurance companies determine replacement value of a home.
How do I get a home insurance quote?
Read more about what information is required for getting a home insurance quote.
Do I need to let my insurer know if I start a home-based business?
Yes, make sure you notify your insurance provider if you plan to change how you use your home to ensure you’re fully covered. You’ll want to make sure your business equipment and liability are covered should something happen. Some home-based businesses may not be covered so speak to your insurance representative to find the best option for you.
Aviva offers home-based business as additional coverage that can be added to your homeowner's policy if it meets our requirements.
How can I protect my house from water damage?
Basic water coverage is included in every house insurance policy (be sure to read your policy for coverage and exclusions). However, there are optional coverages that you can buy for added protection, such as sewer backup and overland water coverage if they meet our requirements.
Read more about how to prevent water leaks in your home.
How can I protect my house from fires?
Read more about how to protect your home from fire.
How can I protect my house during the winter months?
Read more about how to protect your home from winter hazards.
Does home insurance cover theft and valuables?
Read more about how to protect your valuables from theft.
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.