Aviva Landlord Insurance Review 2026: Is It Worth It vs Other Providers? Quick answer
Aviva landlord insurance is best for UK landlords who want cover from a large, established insurer rather than the cheapest possible policy. It can suit landlords looking for buildings insurance, landlord contents cover, liability protection and loss of rental income cover for a standard rental property.
However, Aviva will not be the best fit for every landlord. If you own an HMO, short-term let, student property, commercial property or larger portfolio, it is worth comparing Aviva with specialist landlord insurers and brokers before choosing.
Aviva says its landlord insurance is designed to protect landlords from unexpected expenses linked to rental property damage, including repair and rebuild costs and loss of rental income.
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Authored by: Ally Cox (Business Technology & B2B Services Specialist 10+ Years’ Experience)
Reviewed by: James Ward (Telecoms Specialist, 12+ Years Experience)
Last Updated: June 2026
Contents
Benefits of Aviva Landlord Insurance
Downsides of Aviva Landlord Insurance
What Does Aviva Offer?
Aviva Decision Making Guide
Our Verdict on Aviva Landlord Insurance
Key Takeaways
Aviva is a strong option for landlords who value brand reputation and insurer backing.
It is likely to suit standard buy-to-let landlords more than complex or specialist property owners.
Aviva landlord cover can include protection for buildings, contents and loss of rental income, depending on the policy.
Pricing is quote-based and will depend on the property, tenants, cover level and add-ons.
Aviva may not be the cheapest landlord insurance provider.
If you need rent guarantee, HMO cover, short-term let cover or specialist advice, compare alternatives before buying.
Aviva Landlord Insurance at a glance
Category
Aviva landlord insurance review
Best for
Standard buy-to-let landlords who want an established insurer
Not ideal for
HMOs, short-term lets, student lets, unusual properties or landlords wanting broker comparison
Main cover areas
Buildings, contents and loss of rental income, depending on policy
Add-ons to check
Accidental damage, legal services, home emergency and rent guarantee availability
Pricing
Quote-based
Provider type
Direct insurer
Good alternatives
Direct Line, AXA, LV=, Simply Business, Superscript, specialist landlord brokers
Main reason to compare
Aviva may be strong, but not always the cheapest or most flexible
Who is Aviva landlord insurance best for?
Landlord type Is Aviva a good fit? Why
First-time landlord
Yes
Recognised insurer and straightforward cover route
Single buy-to-let landlord
Yes
Good fit for standard rental properties
Furnished landlord
Yes
Contents cover may be useful
Portfolio landlord
Maybe
Compare multi-property and broker options
HMO landlord
Not usually first choice
Specialist HMO insurance may be better
Student landlord
Maybe
Check exclusions, tenant type and damage cover
Short-term let / Airbnb landlord
Not usually
Specialist short-term let cover may be needed
Commercial landlord
Not usually
Commercial property owner’s cover may be more suitable
Landlord wanting several quotes
No
A broker or comparison route may be better
What does Aviva landlord insurance cover? Aviva’s landlord insurance sits within its home insurance range for landlords but exact cover depends on the policy you choose and your schedule, but landlord insurance can help protect against rental property damage and loss of rental income.
Cover type What it means Why landlords may need it
Buildings insurance
Covers the structure of the property and permanent fixtures
Important for fire, flood, storm, escape of water and other insured damage
Landlord contents insurance
Covers landlord-owned furniture, appliances and furnishings
Useful for furnished and part-furnished lets
Loss of rental income
Helps protect rental income if the property cannot be lived in after insured damage
Useful if you rely on rent
Alternative accommodation
May help if tenants need somewhere else to stay after insured damage
Important for tenant disruption
Accidental damage
Usually optional or policy-dependent
Useful for furnished lets and family homes
Legal services cover
Usually optional or policy-dependent
Useful for disputes, recovery or legal support
Home emergency
Usually optional or policy-dependent
Useful for urgent repairs
Aviva landlord insurance costs Aviva landlord insurance pricing is quote-based. The final cost will depend on your property and the level of cover you choose, so your quote is likely to be affected by:
property postcode
rebuild value
property type
furnished or unfurnished status
tenant type
claims history
selected cover level
excess
optional extras
whether the property is ever unoccupied
number of rental properties
payment method
As a wider UK benchmark, landlord insurance costs vary significantly depending on property type and cover. Basic landlord buildings insurance may be relatively low-cost, while policies with contents, legal expenses, accidental damage, rent guarantee or higher-risk tenant types can cost more.
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Pros and Cons of Aviva Landlord Insurance
Pros Cons
Large, established UK insurer
will not be the cheapest option
Suitable for many standard buy-to-let landlords
Not always ideal for HMOs or short-term lets
Buildings and contents options available
Loss of rental income protection may be available
Add-ons and limits need checking carefully
Online quote and policy management options
Complex landlords may need a broker
Familiar brand for landlords who value stability
Less comparison choice than using a broker or comparison route
Aviva landlord insurance vs alternatives
Provider type Better for Compare if…
Aviva
Standard landlords wanting a large established insurer
You value brand strength and insurer backing
Direct Line
Standard buy-to-let landlords wanting straightforward direct cover
You want a simple direct insurer comparison
AXA
Landlords wanting another major insurer with landlord cover
You want to compare mainstream insurer options
LV=
Traditional landlords who value established support
You prefer a familiar household insurance brand
Simply Business
Landlords wanting multiple quotes
You want broker-style comparison
Superscript
Digital-first landlords and flexible cover
You want fast online cover and modern policy management
Specialist landlord broker
HMOs, portfolios, student lets, short-term lets and complex risks
Your property is not straightforward
Aviva vs Simply Business Landlord Insurance
Category Aviva Simply Business
Provider type
Direct insurer
Broker/comparison platform
Best for
Landlords who know they want Aviva-style direct cover
Landlords who want to compare multiple insurers
Claims route
Aviva
Usually the insurer selected
Choice
One insurer
Multiple insurer options
Better if…
You prefer a major insurer
You want several quotes side by side
Aviva vs Direct Line landlord insurance
Category Aviva Direct Line
Provider type
Direct insurer
Direct insurer
Best for
Standard landlords wanting a major insurer
Standard landlords wanting simple direct cover
Pricing
Quote-based
Quote-based
Strength
Established brand and broad insurance range
Straightforward landlord-specific buying route
Better if…
You already use Aviva or want insurer scale
You want a simple buy-to-let policy comparison
Downsides of Aviva
Mixed online reviews
Not the cheapest option on our list
What Does Aviva Offer
Aviva Decision Making Guide If you need help choosing the right option for your business, we’ve created a handy table comparing the options side by side:
Category Type of insurance Description Great for
Home
Buildings
Covers the structure of your home against damage or loss from fire, flood, storms, or vandalism.
Homeowners
Contents
Protects your furniture, appliances, and personal belongings within your home in case of damage, theft, or fire.
Homeowners
Tenants
Covers a tenant’s belongings and potential liabilities to the landlord.
Renters
Landlord
Protects landlords against damage to their rental property, loss of rent, and legal expenses with tenants.
Motor
Comprehensive
Covers your car for damage caused by accidents, fire, theft, vandalism, and other events.
Car owners
Third party, fire & theft
Covers your legal liability for injuries to others and damage to their property, along with fire and theft damage to your own car.
Third party (only)
Covers your legal liability for injuries to others and damage to their property (minimum legal requirement).
Car owners
Travel
Single trip
Provides cover for medical emergencies, trip cancellation, baggage loss, and other unforeseen events during a specific trip.
Travellers
Annual multi-trip
Offers multiple trips coverage throughout the year, with benefits similar to single trip insurance.
Life
Life
Provides a financial payout to your beneficiaries in the event of your death.
Individuals and families seeking financial security
Critical ilness cover
Pays a lump sum if you are diagnosed with a critical illness specified in the policy.
Individuals seeking financial support during illness
Is Aviva suitable for HMOs, student lets or short-term lets? Aviva is going to be suitable for some landlords, but landlords with non-standard properties should be careful, and you should compare specialist landlord insurance if you own:
an HMO
a student let
a short-term rental
an Airbnb-style property
a holiday let
a commercial property
a mixed-use property
a larger portfolio
a property with long unoccupied periods
These situations often need more tailored cover than a standard landlord policy.
Loss of rent vs rent guarantee
Cover type What it usually means Example
Loss of rent
Covers rent lost because the property is uninhabitable after insured damage
A fire means tenants must move out during repairs
Rent guarantee
Covers unpaid rent if the tenant defaults
A tenant stops paying rent
What to check before choosing Aviva Before buying or renewing Aviva landlord insurance, check:
Question Why it matters
Is buildings cover included?
Usually essential for rental properties
Are landlord contents included?
Important if the property is furnished
Is loss of rent included?
Protects income after insured damage
Is rent guarantee available?
Different from loss of rent
Is legal expenses cover included or optional?
Useful for tenant disputes
Are accidental and malicious damage covered?
Important for tenant-related risks
Are HMOs excluded?
Standard policies may not suit HMOs
Are short-term lets excluded?
Airbnb-style lets often need specialist insurance
What is the excess?
A cheaper premium may mean a higher claim cost
What are the unoccupied property rules?
Cover may reduce after a set empty period
How are claims handled?
Claims experience matters more than headline price
What happens at renewal?
Renewal pricing can differ from new-customer quotes
How to Purc hase Aviva
Customer reviews: what do Aviva landlords say? Review scores for Aviva vary depending on the platform and product. Instead of relying only on star ratings, landlords should look for recent comments about:
claims handling
renewal pricing
communication
online account management
policy exclusions
landlord-specific support
speed of settlement
ease of making changes
Why compare Aviva before buying? Aviva can be a good choice, but landlord insurance depends heavily on property type, tenant profile and cover needss, so before choosing, compare:
annual premium
buildings cover limit
contents cover limit
loss of rent cover
rent guarantee availability
legal expenses cover
liability cover
excess
tenant type restrictions
HMO exclusions
short-term let exclusions
unoccupied property rules
claims process
cancellation fees
renewal terms
Compare Aviva landlord insurance alternatives
Why compare landlord insurance with Compare Your Business Costs? Compare Your Business Costs helps UK landlords compare landlord insurance options based on property type, tenant profile, cover needs and budget, and you can compare quotes for:
standard buy-to-let properties
furnished and unfurnished lets
landlord buildings insurance
landlord contents insurance
loss of rent cover
rent guarantee
legal expenses cover
HMO landlords
student lets
short-term lets
portfolio landlords
There is no obligation to switch, and comparing quotes can help you avoid choosing cover that is too basic or unnecessarily expensive.
Compare landlord insurance quotes
Verdict: is Aviva landlord insurance worth it? Aviva landlord insurance is worth considering if you have a standard buy-to-let property and want cover from a large, established insurer. It may suit landlords who value insurer reputation, broad home insurance experience and cover for major property risks.
However, Aviva will not be the best option if you need the cheapest landlord insurance, specialist HMO cover, short-term let insurance, commercial landlord cover or broker-led advice.
Final recommendation: Aviva is a strong mainstream option, but compare it with Direct Line, AXA, LV=, Simply Business, Superscript and specialist landlord brokers before buying or renewing.
Compare landlord insurance providers
FAQs: Aviva landlord insurance What does Aviva landlord insurance cover?
Aviva landlord insurance can cover rental property risks such as buildings damage, landlord contents and loss of rental income, depending on the policy selected. Exact limits and exclusions will be shown in your policy schedule.
Is Aviva landlord insurance good?
Aviva can be a good option for standard buy-to-let landlords who want cover from a large, established insurer. It may be less suitable for landlords with HMOs, short-term lets or complex portfolios.
How much does Aviva landlord insurance cost?
Aviva landlord insurance is quote-based. The cost depends on property location, rebuild value, tenant type, cover level, excess, claims history and optional extras.
Is Aviva landlord insurance expensive?
Aviva is not always the cheapest landlord insurance option. It is usually better positioned for landlords who value insurer backing and broader cover rather than ultra-low pricing.
Does Aviva cover loss of rent?
Aviva says its landlord insurance can help with loss of rental income where property damage has affected the rental property. Always check your policy schedule for limits and conditions.
Does Aviva landlord insurance include rent guarantee?
Rent guarantee is different from loss of rent. Landlords should check whether rent guarantee is available as an add-on or whether they need a separate rent guarantee policy.
Is Aviva suitable for HMO landlords?
Aviva may not be the first choice for HMO landlords. HMOs usually need specialist landlord insurance because they carry different risks and may not be fully covered by a standard landlord policy.
Can Aviva cover multiple rental properties?
Aviva may be suitable for some landlords with more than one property, but portfolio landlords should compare multi-property policies and specialist broker options before choosing.
What are the best Aviva landlord insurance alternatives?
Common alternatives include Direct Line, AXA, LV=, Simply Business, Superscript and specialist landlord brokers. The best option depends on property type, tenant profile, cover needs and budget.
Should I buy Aviva landlord insurance directly?
You can buy Aviva landlord insurance directly, but it is sensible to compare quotes first. A direct insurer may be convenient, while brokers or comparison routes may offer more choice for complex properties.
Other Useful Links About Landlord Insurance Hi, I’m Ally Cox , a senior copywriter and blogger at CompareYourBusinessCosts.co.uk, the UK’s trusted platform for comparing business services.over a decade of experience in the B2B sector, I specialise in simplifying complex topics like leased lines, VoIP, business energy, HR and payroll solutions, accounting software, and EPOS systems .HR, copywriting, and business operations- from clocking-in systems to card machines and office technology .informed, confident decisions when choosing products and services that improve efficiency and save money.
