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Who is Aviva Canada?

Aviva’s origins go as far back as 17th century England, but the company landed in Canada in 1835 as the incorporated Canada Accident Assurance Company. Today, Aviva Canada offers home, auto, recreational vehicle, group and business insurance coverage options. They are one of the leading property and casualty (P&C) companies in Canada, providing insurance to over 2.8 million customers. Aviva insures over 860,000 homes and more than 100,000 condos across Canada.

Types of Aviva Canada home insurance

Homeowner's insurance

Condo insurance

Tenant (Renter's) insurance

How can I purchase Aviva Canada home insurance?

You have two paths to purchasing Aviva insurance. Your first option is to purchase directly from Aviva Canada. The second option would be via one of Aviva Canada’s approved insurance brokerages – an example of this would be Surex Direct. Brokerages are certified resellers of insurance products for various insurers across Canada – each brokerage will establish agreements with individual insurance companies in order to be able to offer their complement of products.

The benefit of purchasing directly is that you are connecting with the source, but the drawback is that they are only experts with regards to their own products and are only concerned with selling you what they have to offer. On the other hand, the benefit of purchasing from an insurance broker is that they have a better understanding of what’s in the market and can provide you with a less biased take on what’s available to you. The primary drawback from purchasing insurance from a broker versus going direct is that it may cost you a bit more than if you had chosen to purchase directly from an insurer. As always, we recommend you take the time to shop and compare home insurance providers to make sure you are getting the best policy for the right price to meet your needs.

Available Aviva Canada home insurance discounts

If you’re looking for discounts on home insurance with Aviva Canada, here’s how you can save:

Bundle policies

Newer home


Being a retiree

Optional Aviva Canada home insurance coverage

Aviva Canada offers several useful additional coverage options that you can get for both your home and car. Here are some unique coverage extensions that are designed to help you customize your home insurance policy to meet your needs.

Optional home insurance coverages:

Optional Coverages Overview

For residents of BC, this can help you piece your home and its contents back together after an earthquake

Overland Water

Aviva offers comprehensive overland water coverage both from melting snow, rising lakes and sewer backup.

Home Sharing

For property owners who share their homes through a rental network like AirBnB or VRBO.

Identity Theft

Identity fraud comes with many hidden costs and Aviva has you covered for things like lost income due to time away from work, legal fees, and enhanced protection for a credit or debit card.

Service Line

As a homeowner, you may not be aware of your responsibility for the underground utilities (sewer, water supply, electrical, etc.) that run to your house. This helps cover your portion of the service line should something happen.

Home Protect Bundle

After a claim, Aviva will help to pay for devices to prevent the same claim from happening again. It also covers legal services.

Claim Protector

A claim forgiveness option for your first submitted claim.

Disappearing deductible

The deductible is the portion you pay before Aviva pays the rest. If you go claims free, over time, your deductible cost diminishes.

Green Assure

Replaces damaged items like windows, doors, and furnaces with eco-friendly alternatives.

You can learn more about the additional coverage options that Aviva Canada has to offer here .

FAQ's about Aviva home insurance