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    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 for you in unexpected times of need – connect quickly with our team whenever, wherever.

    2.4M

    trusted customers in Canada

    20+

    policy customizations available

    98%

    of claims paid out in 2022

    $525

    average savings on combined policies in Ontario 1

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    Bundle car and home insurance,
    save up to $525 on average 1
    Get a quote online in minutes.
    Get a quote

    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.

    Standard Coverage

    • 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.

    • Belongings and Contents

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

    • Accidental and Weather-related Property Damage

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

    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 computer attack, home systems attack, identity recovery, and online fraud.

    • Speak with an Aviva agent to learn more about coverages
    Save more on your home insurance
    Aviva Direct offers a variety of ways to save. Be sure to ask your agent about eligibility for the below discounts. 1
    Save on your premium when the home you’re looking to insure does not have a mortgage. 1
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    Enjoy extra savings with Aviva Direct when you bundle your car and home insurance policies, all in one place. 1
    Car parked in front of a house.
    Available for all applicants whose homes have been previously insured for 3 consecutive years with no claims. 1
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    Want to reduce your deductible over time?

    For each consecutive year your insured home is claims free – you could reduce your deductible by 20% of the original deductible amount. After 5 years with no claims – your deductible could be reduced by 100%! 1

    Get a quote
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    Discover the benefits of our Electric Vehicle insurance

    For each consecutive year your insured home is claims free – you could reduce your deductible by 20% of the original deductible amount. After 5 years with no claims – your deductible could be reduced by 100%!

    Take charge with Aviva
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    Frequently asked questions

    For any other questions about your quote or coverage options, call us: 1-855-788-9090

    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

    We consider many factors when determining your home insurance rate, such as:


    • The location of your home and other aspects such as when it was built, construction material, heating system used and more
    • Environmental factors in the area where your home is located
    • Whether you use your home for any home-based businesses
    • How many years you have lived at your home
    • Your claims history

    The rates we use to calculate your premiums are filed with and approved by the regulators.

    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 agent today.

    Your quote is valid for 30 days from the date you quote with us, provided that none of the information you provided in this quote has changed or is incorrect.

    Aviva Direct offers the convenience of shopping for home or auto insurance from the comfort of your home.


    In your own time—you can get a competitive quote and coverage options that work best for you.


    With a quick phone call and guidance from our knowledgeable insurance agents, 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.

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