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The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for home insurance by comparing insurance providers before you settle on one. LowestRates.ca makes comparing multiple home insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from Canada’s big banks and independent lenders. Best of all? It’s free.
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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.
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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.
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.
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 has developed a mobile app for its auto insurance products, but does not offer a mobile app for its home insurance products.
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.
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:
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