Home insurance coverage you need

Your home is more than an investment; it’s full of your treasured possessions and precious memories. Whether you own a house, condo, or rent, you can relax knowing you have the right protection for the things that matter most to you. And if you need to make a claim, we make it simple to get back to normal as quickly as possible.

Feel secure with home insurance coverage that’s customized to protect your home and belongings. You and your broker will work together to build an insurance package that’s suited to meet your needs and budget. And it can change as your life does, so you can be confident that your home always has the protection it needs.

What affects your home insurance rate?

When it comes to price, you can relax knowing we don’t use a one-size-fits-all approach to calculating your home insurance rate. Because every family is different, we consider many things to make sure you have the coverage that’s right for you, including:

  • The level of home insurance coverage and deductible you want
  • Whether your home is close to a fire hydrant
  • Where your home is located and when it was built
  • The cost to rebuild your home
  • The heating system in your home

Savings you deserve

When shopping for home insurance in Canada, you require protection that meets your needs and budget.

That’s why we give you the best value around, with additional discounts for:

  • Combining your home and auto policies with us
  • Being claims-free
  • Being a loyal Aviva customer
  • Monitoring your home with fire, burglar and/or water alarms
  • Living in a newer home
  • Being mortgage-free
  • Being a non-smoker

Contact your broker today to learn more.

House insurance coverage, your way

Enjoy today knowing that tomorrow’s covered with protection you can trust. When it comes to protecting your home and family, standard coverage is a great place to start. Your broker can then suggest additional options for coverage that will help create a customized policy for you and your family.

Standard coverage offers great value and protection for:

  • Your house
  • Your belongings
  • Detached buildings on your property, like a garden shed
  • Personal liability of $1 million
  • Living expenses while your home is being repaired or rebuilt

 

Standard home insurance coverage

Overland water coverage is a key part of Aviva Water Protection, which also includes your base policy water protection and sewer back-up coverage. Coverage is available for owners or tenants of houses, condos, rental properties, seasonal properties or secondary properties, where sewer back-up protection is in place.

Protect your extra-special and sentimental items with additional coverage for jewellery, fine art, silverware, collectibles, high-end electronics and more.

Additional coverage for special valuables

Home-sharing through rental networks is on the rise in Canada, so if you already home-share, or are considering it, have you thought about insurance protection?

 

Aviva's Home Protect Bundle adds another layer of protection to your home insurance. This bundle has three important features to help you protect your home even more:

  • Claim Prevent: prevent a further claim occurring from the same cause again
  • Home Repair Assure: fix and repair minor issues before they can cause a claim
  • Halo Assist: unlimited telephone access to legal, health and mortgage/real estate advice

With our Home Repair Assure endorsement*, you’ll have access to a home service program so that you can have minor issues repaired before they can create major damage.

Creating a home that’s energy-efficient and environmentally friendly is important to many families. It’s not only good for the planet, it’s a great way to save money on your energy costs. We share your passion for a greener future by offering Green Assure from Aviva. Add this to your policy and, if you have a claim, you can replace your damaged items with greener options. It covers windows, furnaces, doors and more.

Green Assure

Help protect your home from the impact of weather-related claims with the all-new Weather Assure* enhancement.

 

Weather Assure

*Weather Assure is currently available in select provinces.

We never expect identity theft to happen to us, and many of us are unprepared when it does. Thankfully with Aviva, you can add identity theft coverage to your standard home insurance policy. Relax knowing we’ll help you get back to your normal life as quickly as possible with coverage like: enhanced credit and debit card coverage, lost income protection, legal fees and more.

 

Identity Theft

Running your own business from home is the dream of many Canadians. If you’re already living your dream, make sure your home insurance policy has the additional coverage you need for your home-based business. You’ll get peace of mind knowing your inventory, computers, files and more will all be covered. Talk to your broker about whether you need commercial insurance to cover your business activities, including liability for customers visiting your house.

Home-based business coverage

We’re committed to helping you save money by rewarding your claims-free insurance experience. Add the Disappearing Deductible* to your policy and you can benefit from your dedication to safety and security. Every year you stay claims-free, we’ll reduce your deductible. After five years without making a claim, your deductible can become $0 – saving you money when you have a claim.

Disappearing deductible

*The Disappearing Deductible endorsement is currently available in select provinces.

Being successful means you have unique insurance needs, so protect your luxury home with high-end home insurance from Ovation®* from Aviva Insurance. You’ll benefit from coverage designed to protect the craftsmanship of your high value home and contents. Relax knowing you’ll have a dedicated Claims Care Specialist who will handle your claim down to the smallest detail, saving you time and eliminating hassle.

 

Ovation

*Ovation is currently available in select provinces.

 

Lawsuits in Canada are on the rise and judgments can easily go beyond the liability limit of your homeowner policy. Protect yourself with Aviva’s Personal Umbrella insurance policy. When you add this coverage to your homeowners policy, you get additional liability coverage of up to $5 million, giving you protection over and above what comes with your standard home insurance policy.

Personal Umbrella insurance

Being a loyal customer can save you money, increase your coverage and bring more convenience thanks to the Combined Policy* bundle. Combine your home and auto insurance policies and you can enjoy the convenience of aligned renewal dates and a single envelope mail-out, so you only have to think about your insurance once a year. You’ll also get additional discounts on your property and auto insurance as well as free special features. It’s just one of the ways Aviva helps you get more – for less.

 

Combine & Save

*Combined Policy is currently available in select provinces.

 

If you have a loss that affects both your home and vehicle at the same time, you pay only one deductible with our free Single Deductible feature for multi-line and Combined Policy customers. It’s just one more way Aviva is doing the little things that provide value.

Single Deductible

Accidents happen, but with Aviva, they don’t have to cost you. Keep your claims-free discount after your first home insurance claim when you add this extra protection to your policy

Get even more value from your home insurance with the Worry-free Bundle*. This money-saving two-in-one bundle contains two of our most popular products – Disappearing Deductible and Personal Property Claims Protector – all at a reduced price. It’s just one more way Aviva is doing the little things that provide value.

Worry-free bundle

*The Worry-free Bundle is currently available in select provinces.

If you’re committed to protecting the environment, Green Home Power is here to protect you. If you generate your own power through solar panels or wind turbines, add this coverage for protection against physical damage and equipment breakdown. If you sell power back to the grid, you’ll even be covered for loss of income.

Green Home Power

Whatever your passion, Choice Enhancements* make it simple to get even more coverage for the things that most matter to you. Choose the Choice Enhancements that best suit your life and relax knowing you have the customized home insurance you need for your unique interests.

 

Choice Enhancements

*Choice Enhancements is currently available in select provinces.

When you have a home insurance claim, some repairs to your home may involve extra costs in order to meet local by-law regulations. Protect yourself against these unforeseen expenses with the added coverage you get from Aviva’s by-law protection.

What affects your condo insurance rate?

As a condo owner, your insurance needs are unique. That’s why we never use a one-size-fits-all approach when it comes to calculating your condo insurance rate. We make sure you get the right coverage for your unit by considering many things, such as:

  • The type of condo insurance coverage and deductible you want
  • Where your building is located and when it was built
  • The value of your belongings
  • How many units are in the building

Savings you deserve

Like all smart customers, you want great value from your condo insurance.

With Aviva, you always get comprehensive coverage at competitive rates, so you can stay within your budget while we protect the things that matter most to you. You can also save even more with discounts for:

Condo insurance coverage, your way

Your condo is one of the most important purchases you’ll ever make. So make sure it’s protected with coverage created specifically for condo owners. We make it simple for you to get the additional coverage you need, so you can relax knowing the things you love are protected.

Standard coverage offers great value and protection for:

  • The contents of your unit
  • Upgrades to your unit, such as new flooring or cabinetry
  • Accidental property damage to your building and surrounding units
  • Personal liability of $1 million
  • Any assessments set by your condominium board

 

Standard condo insurance coverage

Overland water coverage is a key part of Aviva Water Protection, which also includes your base policy water protection and sewer back-up coverage. Coverage is available for owners or tenants of houses, condos, rental properties, seasonal properties or secondary properties, where sewer back-up protection is in place.

Protect your extra-special and sentimental items with additional coverage for jewellery, fine art, silverware, collectibles, high-end electronics and more.

Additional coverage for special valuables

Aviva's Home Protect Bundle adds another layer of protection to your home insurance. This bundle has three important features to help you protect your home even more:

  • Claim Prevent: prevent a further claim occurring from the same cause again
  • Home Repair Assure: fix and repair minor issues before they can cause a claim
  • Halo Assist: unlimited telephone access to legal, health and mortgage/real estate advice

With our Home Repair Assure endorsement*, you’ll have access to a home service program so that you can have minor issues repaired before they can create major damage.

Creating a home that’s energy-efficient and environmentally friendly is important to many families. It’s not only good for the planet, it’s a great way to save money on your energy costs. We share your passion for a greener future by offering Green Assure from Aviva. Add this to your policy, and if you have a claim, you can replace your damaged items with greener options. It covers windows, furnaces, doors and more.

Green Assure

We never expect identity theft to happen to us, and many of us are unprepared when it does. Thankfully with Aviva, you can add identity theft coverage to your standard home insurance policy. Relax knowing we’ll help you get back to your normal life as quickly as possible with coverage like: enhanced credit and debit card coverage, lost income protection, legal fees and more.

 

Identity Theft

Running your own business from home is the dream of many Canadians. If you’re already living your dream, make sure your condo insurance policy has additional coverage for your home-based business. You’ll get peace of mind knowing your inventory, computers, files and more will all be covered. Talk to your broker about whether you need commercial insurance to cover your business activities, including liability for customers visiting your condo.

Home-based business coverage

We’re committed to helping you save money by rewarding your claims-free insurance experience. Add the Disappearing Deductible* to your policy and you can benefit from your dedication to safety and security. Every year you stay claims-free, we’ll reduce your deductible. After five years without making a claim, your deductible can become $0 – saving you money when you have a claim.

Disappearing deductible

*The Disappearing Deductible endorsement is currently available in select provinces.

Home-sharing through rental networks is on the rise in Canada, so if you already home-share, or are considering it, have you thought about insurance protection?

 

Being successful means you have unique insurance needs, so protect your luxury condo with high-end condo insurance from Ovation®* from Aviva Insurance. You’ll benefit from coverage designed to protect the unique craftsmanship of your high value condo and contents. Relax knowing you’ll have a dedicated Claims Care Specialist who will handle your claim down to the smallest detail, saving you time and eliminating hassle.

 

Ovation

*Ovation is currently available in select provinces.

 

Being a loyal customer can save you money, increase your coverage and bring more convenience thanks to the Combined Policy* bundle. Combine your condo and auto insurance policies and you can enjoy the convenience of aligned renewal dates and a single envelope mail-out, so you only have to think about your insurance once a year. You’ll also get additional discounts on your property and auto insurance as well as free special features. It’s just one of the ways Aviva helps you get more – for less.

 

Combined Policy for condo & auto insurance

*Combined Policy is currently available in select provinces.

 

Accidents happen, but with Aviva, they don’t have to cost you. Keep your claims-free discount after your first condo insurance claim when you add this extra protection to your policy.

If you have a loss that affects both your condo and vehicle at the same time, you pay only one deductible with our free Single Deductible feature for multi-line and Combined Policy customers. It’s just one more way to get more from Aviva.

single deductible

Get even more value from your home insurance with the Worry-free Bundle*. This money-saving two-in-one bundle contains two of our most popular products – Disappearing Deductible and Personal Property Claims Protector – all at a reduced price. It’s just one more way Aviva is doing the little things that provide value.

Worry-free Bundle

*The Worry-free Bundle is currently available in select provinces.

When you have a condominium insurance claim, some repairs to your home may involve extra costs in order to meet local by-law regulations. Protect yourself against these unforeseen expenses with the added coverage you get from Aviva’s by-law protection.

Lawsuits in Canada are on the rise and judgments can easily go beyond the liability limit of your homeowner policy. Protect yourself with Aviva’s Personal Umbrella insurance policy. When you add this coverage to your condo policy, you get additional liability coverage of up to $5 million, giving you protection over and above what comes with your standard home insurance policy.

Personal Umbrella

What affects your tenant insurance rate?

As a tenant, you want to be sure you have the protection you need at a price you can afford. That’s why we don’t use a one-size-fits all approach to calculating your tenant insurance rate. When it comes to the price of your insurance, many things are considered, including:

  • The type of coverage and deductible you want
  • The value of your belongings
  • Where your building is located and when it was built
  • How many units there are in the building

Savings you deserve

When looking for tenant insurance in Canada, you want to be sure you’re getting the best possible value for your money. With our commitment to exceptional tenant insurance coverage at competitive rates, that’s just what you get when you choose Aviva. You can also save even more with discounts for:

Tenant insurance coverage, your way

As a tenant, you want to make sure your belongings have the protection they deserve. Replacing items like your bike, bed or computer can really add up, especially if you need to replace everything you own at one time. Relax with tenant insurance coverage from Aviva. You’ll get the protection you need for the things that matter most to you. And because each person is different, we make it simple for you to get the additional protection you and your family need for peace of mind.

Standard coverage offers great value and protection for:

  • Your belongings
  • Personal liability of $1 million
  • Accidental property damage to your building and surrounding units
  • Living expenses, like a hotel, if your unit or building is damaged

 

Standard tenant insurance coverage

Overland water coverage is a key part of Aviva Water Protection, which also includes your base policy water protection and sewer back-up coverage. Coverage is available for owners or tenants of houses, condos, rental properties, seasonal properties or secondary properties, where sewer back-up protection is in place.

Protect your extra-special and sentimental items with additional coverage for jewellery, fine art, silverware, collectibles, high-end electronics and more.

Additional coverage for special valuables

We never expect identity theft to happen to us, and many of us are unprepared when it does. Thankfully with Aviva, you can add identity theft coverage to your standard home insurance policy. Relax knowing we’ll help you get back to your normal life as quickly as possible with coverage like: enhanced credit and debit card coverage, lost income protection, legal fees and more.

 

Identity Theft

Running your own business from home is the dream of many Canadians. If you’re already living your dream, make sure your tenant insurance policy has additional coverage for your home-based business. You’ll get peace of mind knowing that your inventory, computers, files and more will all be covered. Talk to your broker about whether you need commercial insurance to cover your business activities, including liability for customers visiting your apartment.

Home-based business coverage

We’re committed to helping you save money by rewarding your claims-free insurance experience. Add the Disappearing Deductible* to your policy and you can benefit from your dedication to safety and security. Every year you stay claims-free, we’ll reduce your deductible. After five years without making a claim, your deductible can become $0 – saving you money when you have a claim.

Disappearing deductible

*The Disappearing Deductible endorsement is currently available in select provinces.

Being successful means you have unique insurance needs, so protect your luxury belongings with high-end tenant insurance from Ovation®* from Aviva Insurance. You’ll benefit from coverage designed to protect your high value contents. Relax knowing you’ll have a dedicated Claims Care Specialist who will handle your claim down to the smallest detail, saving you time and eliminating hassle.

 

Ovation

*Ovation is currently available in select provinces.

 

Being a loyal customer can save you money, increase your coverage and bring more convenience thanks to the Combined Policy* bundle. Combine your tenant and auto insurance policies and you can enjoy the convenience of aligned renewal dates and a single envelope mail-out, so you only have to think about your insurance once a year. You’ll also get additional discounts on your property and auto insurance as well as free special features. It’s just one of the ways Aviva helps you get more – for less.

 

Combine & Save

*Combined Policy is currently available in select provinces.

 

Accidents happen, but with Aviva, they don’t have to cost you. Keep your claims-free discount after your first tenant insurance claim when you add this extra protection to your policy.

If you have a loss that affects both your contents and vehicle at the same time, you pay only one deductible with our free Single Deductible feature for multi-line and Combined Policy customers. It’s just one more way to get more from Aviva.

single deductible

Get even more value from your home insurance with the Worry-free Bundle*. This money-saving two-in-one bundle contains two of our most popular products – Disappearing Deductible and Personal Property Claims Protector – all at a reduced price. It’s just one more way Aviva is doing the little things that provide value.

Worry-free Bundle

*The Worry-free Bundle is currently available in select provinces.

Lawsuits in Canada are on the rise and judgments can easily go beyond the liability limit of your homeowner policy. Protect yourself with Aviva’s Personal Umbrella insurance policy. When you add this coverage to your tenant policy, you get additional liability coverage of up to $5 million, giving you protection over and above what comes with your standard home insurance policy.

Personal Umbrella

Protect your home

Summer is almost here, and with it comes warmth and outdoor fun. But now more than ever, Canadians are at risk of more than a rained-out picnic – the warm weather also puts us at an increased risk of property damage.

Discounts you deserve

Take steps to prevent damage to your home and get rewarded with discounts. We offer competitive savings when you install:

  • Sump pump and/or backwater valves
  • Water alarm and centrally monitored water alarm system
  • Monitored burglar/fire alarm system

Please contact your insurance broker with questions about coverage, discounts or loss prevention measures.

Water damage is on the rise

Water damage to property can be expensive and frustrating, harming not only the home, but also possessions and the well-being of the people inside. For Aviva Canada, water is the leading cause of property damage, accounting for over 40% of property claims each year.

To help you avoid water damage to your home, here are some tips to help keep your property above water:

  • Inspect your roof: To prevent leaks, get the roof inspected every few years to check the condition of the shingles. Clear out gutters to prevent blockages.
  • Install a backwater valve: These valves close automatically if the sewer backs-up and can prevent thousands of dollars in damage.
  • Scope out your sump pump: If your basement has one, examine it and do a test run if it doesn’t get used frequently.
  • Check your foundation: This is especially important as the ice melts. If you notice water pooling, find a way to lead the liquid away from your home.
  • Start right: If you are finishing your basement, make sure to seal your exterior walls.
  • Examine your insurance: While overland flooding is generally not covered by insurance, you can add additional coverage, including protection from sewage backup.