https://www.aviva.ca/en/direct/
 Get a quote

Home insurance

Get comfy with our easy online quoter

Get a quote
Already a customer?
Father with young daughter on the couch smiling at their dog

Why choose Aviva Direct home insurance?

Aviva Direct makes it easy to quote, buy, and manage your insurance - confidently.

Combine and save

Protect your car and home with Aviva Direct, all in one place and enjoy extra savings. 1

Personalized coverage

Customize your policy with a variety of options to fit your needs.

24/7 claim service

We'll be there when you need us - connect quickly with our team whenever, wherever.

2.4M

trusting Aviva customers nationwide

2,000+

claims professionals and mobile teams nationwide

1,900+

trusted vendor partners nationwide for auto and home

$580

average savings on combined auto and home policies in Ontario 1

Get Home Repairs Guaranteed for Life 2
Enjoy a Lifetime Workmanship Guarantee on claim-related repairs to your home by our Preferred Contractor Network vendors, for as long as you own the property.

Get a quote online in minutes.
Get a quote
Two women laughing together in stylish room

What does home insurance in Ontario cover?

In Ontario, most mortgage lenders will require you to have home insurance to obtain a mortgage.
Aviva Direct offers coverage for your home and its contents against risks such as extreme weather events, theft, and more.
Speak with an Aviva Direct advisor to learn more about coverages
Insurance Coverage Section
Standard Coverage
Check mark icon
Accidental and Weather-related Property Damage

Protects your home for weather-related accidents, such as damage caused by tornado, hail, strong winds, or lightning.

Check mark icon
Belongings and Contents

Protects your personal belongings in the event they are damaged or lost. 4

Check mark icon
Personal Liability

Provides legal protection to you and the people in your home if you’re sued by a visitor or neighbour for injuries or damage you may have accidentally caused.

Optional Coverage
Sewer Backup

Provides coverage for water damage caused by the backup or escape of water or sewage from a sewer, septic system, or sump pump.

Overland Water

Provides coverage for loss or damage to your items caused by overland water, such as torrential rainfall or overflow of nearby lakes.

Cyber Endorsement

Protects you and your household for loss or damage caused by a cyber-related event, such as a computer or home systems attack, identity recovery, or online fraud.

Save more on your home insurance

Aviva Direct offers many ways to save. Be sure to ask your advisor about eligibility for the below discounts. 1
Illustration of a house with a percentage shield next to it

  • Mortgage Free Discount

    Save on your premium when the home you're looking to insure does not have a mortgage. 

  • Combined Policy Discount

    Enjoy extra savings when you bundle your car and home insurance policies with Aviva Direct. 

  • Claim Free Discount

    Available for all applicants who have had no claims for the last 5 consecutive years. 
Happy businesswoman using modern technology talking over smartphone in her home office
Want to reduce your deductible over time?
If you purchase this optional endorsement, for every consecutive year you're insured and claim-free, you could reduce your deductible by 20% of the original amount. After 5 consecutive years with no claims, your deductible could be reduced by 100%! 3
Get a quote

Frequently asked questions

For any other questions about your quote or coverage options, call us at 1-855-788-9090.
Monday to Friday: 8:00am to 8:00pm ET
Saturday: 8:30am to 4:30pm ET
What do I need to make a purchase?
For all individuals and assets who will be listed in the policy, the following information is required:
  • Your quote ID
  • Verbal consent from other named insureds
  • Payment details (we accept Visa, Mastercard, AMEX, Visa debit, Mastercard debit or direct deposit)
  • For direct deposit, please have the following information: institution number, transit number, account number
  • For auto insurance – Vehicle Information Number (VIN), driver's license numbers
  • For home insurance - the name and full postal address of your mortgage institution
  • Details of your current or previous insurance policies, if applicable — including the insurance company’s name, policy number, policy start date, and expiration date
What determines my home insurance rate?
Many factors go into determining your home insurance premium, including:

• The location of your home, when it was built, construction materials used, heating system used, and more
• Environmental factors in the area where your home is located
• If you use your home for home-based businesses
• How many years you've lived in your home
• Your claims history

The rates we used to calculate your premiums are filed with and approved by the regulators.
How can I save on home insurance?
Knowing what affects your insurance costs can help you take measures to save more. If eligible – here are some of the ways you can save: 1

• Increase your deductible to lower your insurance premium
• Claim Free Discount
• Combined Policy Discount
• Mortgage Free Discount

To find out what discounts you may qualify for, speak with an Aviva Direct advisor today.
How long is my quote valid for?
Your quote is valid for 30 days from the date we issued it to you, as long as none of the information you provided has changed or is incorrect.
Why buy home insurance from Aviva Direct?
Aviva Direct offers the convenience of shopping for home or auto insurance from the comfort of your home.

When the timing is right, get a competitive quote and coverage options tailored to your needs.

With a quick phone call and guidance from our knowledgeable insurance advisors, you can purchase a policy with confidence.

Get started with Aviva Direct today

Get an online quote in minutes and get coverage that you can trust to fit your needs.

Get a quote