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Meet Aviva home insurance.

Aviva, the second-largest general insurance company in Canada, was founded in 2000 in London, England.

While still headquartered in the United Kingdom, Aviva insurers over 860,000 homes in Canada to date. The company serves all provinces and territories under its wholly-owned subsidiary, Aviva Insurance Company of Canada. Aviva also offers its insurance products through independent brokerages.

The thing that distinguishes Aviva from other home insurance providers is its international reach. Aviva operates in several countries around the globe—16 to be exact—with 33 million customers and counting. Its largest market the U.K., followed by France and then Canada, where it provides a wide range of insurance services to 2.8 million customers.

In 2016, Aviva Canada acquired RBC General Insurance Company. The purchase means that customers who want to purchase insurance through RBC can access Aviva products at the same time. Aviva also now handles administration and claims services for RBC.

To find out if Aviva suits your home insurance needs, you should start by comparing home insurance quotes from a variety of providers.

How consumers review Aviva home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario

 

 

 

 

 

Quebec region

 

 

 

 

 

Western region

 

 

 

 

 

 

How to get the cheapest home insurance quote

Getting insurance for your home is easier than you think. To get the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

The Aviva home insurance advantage.

Discounts

Aviva offers home insurance customers a variety of discounts and opportunities to customize your policy. These offerings can help ensure that your coverage and premiums are actually appropriate for your unique circumstances.

  • Bundling discounts: Aviva will give you a discount for bundling your home insurance policy with your auto insurance.
  • Discounts for non-smokers: Aviva will also reward you for being a non-smoker in the form of a discount on your home insurance policy. Non-smokers pose less of a fire risk. 
  • Discounts for newer homes: Homes built more recently, with newer heating, plumbing and electrical systems, are less likely to be affected by fire and water damage.
  • Other ways to save money: Aviva offers several other discounts. For example, you could get a discount on your Aviva home insurance policy by doing any of the following: installing a home alarm system, letting your insurer know that you’re a retiree (if applicable), buying a home in a neighbourhood with low crime rates or one that’s near a fire station (or both), and even by being mortgage-free.

Special programs

Aviva offers a variety of endorsements (optional coverages that you can add to your policy) so that you can ensure all your home insurance needs are being met. These include:

Water damage coverage - Aviva offers three levels of water damage coverage: basic, sewer backup, and overland water coverage. Collectively, they cover everything from common issues to flooding from lakes and rivers and torrential rainfall.

Service line coverage - With this endorsement, homeowners with Aviva are covered in instances of damaged sewer or septic lines, water main lines, electrical lines, telecommunications lines or ground loop piping.

Earthquake coverage - This endorsement is available across all Canadian provinces, though there are some differences depending on where you live. If you own a house in British Columbia, you can choose from three levels of coverage: emergency living expenses coverage, building only coverage, and building and contents coverage. However, in other provinces, you can only buy building and contents coverage.

Home-share coverage - This endorsement is for Canadians who list their home on home-sharing sites such as Airbnb. Home-sharing insurance at Aviva covers loss or damage to property as well as lost income should a renter fail to pay, among other things.

Identity theft coverage - This add-on helps customers restore their identity and covers any financial loss they experience due to identity theft up to $5,000.

Other special programs - In addition to those listed above, Aviva also offers:

  • Aviva’s Home Protect Bundle, a program that will help pay for minor home upgrades, as well as the installation of loss prevention devices. The package also provides access to legal advice and referrals to home experts.
  • The Green Assure endorsement. If you’re thinking about making energy-efficient upgrades to your home, this endorsement will cover the difference between the cost of standard products and environmentally-friendly ones. It costs up to $50 a year to enroll.
  • A ‘claim protector’ that allows you to keep your claim-free status after your first claim.
  • The option to reduce your deductible every year you don’t make a claim.

Is there an app?

Aviva has developed a mobile app for its auto insurance products, but does not offer a mobile app for its home insurance products.

How to submit a claim with Aviva

There are a handful of ways to make a home insurance claim at Aviva: head to Aviva’s website and make a claim online; call one of Aviva’s customer service representatives toll-free, or file a claim directly with your broker.

If you’re applying online, you can expect to fill out a brief form that asks for your policy number, when the incident occurred, as well as your full name and postal code to start.

Following Aviva Canada's 2016 acquisition of RBC's insurance arm, RBC customers can also contact Aviva to make a claim. It can either be done online or over the phone by calling this number: 1-800-769-2526.

To submit a claim by phone:
1-866-MYAVIVA (1-866-692-8482)
Available 24/7
 
To submit a claim online:
Visit Aviva's claim centre and follow the prompts.
 

What else does Aviva do?

Home insurance isn’t all that Aviva offers. And as a consumer, it’s worth knowing what other products are available since bundling policies with the same insurer can often result in discounts. Here’s what other forms of insurance Aviva provides:

  • Auto insurance (including for motorcycles, RVs, boats, ATVs, snowmobiles, and classic cars)
  • Condo, tenant, and cottage insurance
  • Ride-sharing insurance (if you plan to become an Uber or Lyft drivers)
  • Home-sharing insurance (if you plan to rent out your home using Airbnb or HomeAway)
  • Travel insurance (administered by the Royal Bank of Canada’s insurance arm)

Home insurance news

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