Aviva Home Insurance policy details
Aviva offers both buildings and contents insurance, which can be bought separately or together, depending on your circumstances. Here’s a breakdown of the main features provided by the two types of cover.
Aviva buildings insurance benefits
The following benefits are offered as standard with an Aviva buildings insurance policy:
- Damage or destruction: If your home is destroyed or seriously damaged the full rebuild costs will be covered by Aviva. There is no limited on the sum insured.
- Loss of rent for alternative accommodation: The insurer will cover the cost of a reasonable, temporary alternative place to stay. This provision will also cover any ground rent you need to pay or a loss of rent if you’re a landlord.
- Trace and access: You’re covered to a maximum of £5,000 for damage caused to your home by a water leak. This includes excavation costs and those incurred through making good after the leak’s been fixed.
- Replacement locks: If your external door keys, or alarms or safe keys are lost or stolen, Aviva will pay up to £1,000 for replacement locks and keys.
- Emergency access: You’re protected against damage to your home or garden caused by someone accessing the property to deal with a medical emergency or to cause damage. The amount of cover is up to the value of the property.
- Public liability: Aviva will pay up to £5,000,000 in legal costs for you to defend yourself against a claim from another person. This type of insurance protects against accidents and incidents that occur on your property, such as a guest or tradesman injuring themselves.
Aviva contents insurance benefits
The following key benefits are offered as standard with an Aviva contents insurance policy:
- Loss or damage: You have unlimited cover for loss or damage to your personal belongings if the cause is fire, storm or flood, vandalism or malicious acts. Other causes of damage that are covered include vehicle collision, water, heating fuel, theft, subsidence and falling trees.
- Loss of rent and cost of alternative accommodation: You can claim for either of these if your home can’t be occupied because of damage to contents caused by one the caused listed above.
- Valuables: The insurer will pay up to £10,000 as standard if valuables such as jewellery or art works are lost or damaged. The limit can be raised for an additional premium.
- Contents removed from the home: If you’re working away or studying at university, essentials will be covered to a maximum of £5,000.
- Home office equipment: Your home office equipment is covered to the tune of £5,000.
- Garden contents cover: Aviva will pay up to £1,500 for damage or loss to portable items that are kept in your garden, such as furniture and ornaments.
- Garden landscaping: The insurer will pay up to £2,500 in landscaping costs to rectify the loss of trees and plants in your garden. There’s a £250 limit on each item.
- Garages and outbuildings: You can claim up to £2,500 for losses to contents stored in your garage. The same limit applies to items in outbuildings.
- Replacement locks: Aviva will pay up to £1,000 for any replacement locks and access keys.
- Freezer cover: You can claim up to £1,000 for food that’s spoiled by a mechanical accident.
- Emergency access: You’re fully covered if a medical or police emergency requires access to your home that results in damage