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Home Insurance in the UK Protecting Your Haven

Welcome to Riviera Insurance, your trusted partner in safeguarding your home. Home Insurance is a vital investment for homeowners, providing peace of mind and financial protection against unforeseen events. With Riviera Insurance, you can explore comprehensive cover options tailored to your specific needs, ensuring your home and cherished belongings are protected from the unexpected.

What do I need to get a home insurance quote?

Getting a home insurance quote with Riviera Insurance is quick and simple. To obtain an accurate quote, you’ll need to provide essential information such as the property’s address, the type of property, details about the construction, security features, your claims history, and the value of your belongings. Rest assured, our experienced team will guide you through the process to make it hassle-free.

Why get home insurance with Riviera Insurance?

At Riviera Insurance, we understand that your home is more than just bricks and mortar; it’s where memories are made. Choosing us as your home insurance provider means opting for reliable, customer-centric service. Our policies are designed to offer comprehensive cover, prompt claims assistance, and excellent customer support. With a range of benefits and a reputation for reliability, Riviera Insurance is your ideal partner in protecting what matters most.

Our reviews

Don’t just take our word for it. Read what our satisfied customers have to say about Riviera Insurance’s outstanding service, reliable cover, and responsive claims support.

Secure your haven today with Riviera Insurance’s home insurance. Get a quote now and ensure the protection of what matters most to you.

Riviera Insurance
4.8
Based on 600 reviews
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Art NIArt NI
09:27 30 May 23
Simply the Best& Clearly much better than all the rest!Very pleased with the quotation I received renewed again this yearCustomer service is streets ahead polite, courteous and if they say they will call you back … surprise surprise they actually do- unlike most othersAll in all very happy
E SE S
21:02 26 May 23
Had a lovely experience with Riviera Insurance so far got the best quote online and a further discount during the call with the agent Beth which was lovely and very helpful throughout all the process. The app looks nice and clear. Would recommend to everyone I know
Pete JamesPete James
11:55 25 May 23
1st time searching for taxi insurance just for me (was a named driver before). Richard was very helpful, polite and friendly, guiding me though the process, with the best price quote - beating the competition.Very Happy with the whole process.
AshkalyAshkaly
11:58 17 May 23
Affordable and Reliable CoverageRiviera Insurance stands out as an affordable and reliable car insurance provider. They offer competitive rates, transparent policies, and excellent customer service. With a range of coverage options to suit different needs and budgets, Riviera Insurance ensures you can find the right policy. Their responsive customer service and convenient online tools make managing your policy hassle-free. For affordable and trustworthy car insurance, choose Riviera Insurance.
Alan BallAlan Ball
09:26 21 Apr 23
I purchased some Gap Insurance through Duncan at Riviera for my new BMW M440!I am absolutely delighted with the service I received and also the price I paid, BMW quoted me a figure that was 5 times higher than the amount I paid Riviera for effectively the same product. So for anyone looking for Gap cover all I can say is give Duncan a ring and you won't be disappointed !!
Stephen DareStephen Dare
11:24 28 Mar 23
Excellent customer service - needed liability insurance and Darren had great knowledge which lead to me knowing everything, without having to spend ages on the phone. He called back when he said he would a true asset to which has left an excellent impression of this company.
Virginia HarrowVirginia Harrow
11:39 25 Jan 23
Absolutely FIRST CLASS! I had to arrange new building insurance very quickly, after purchasing the freehold, and Tom was so brilliant. He sourced the market, and came back with a great offer, which I accepted. He was so easy to deal with, so professional, and so helpful. Very impressed with Riviera's service, and would not hesitate to recommend them. I shall definitely be using them for all my future insurance needs.
Mandy BMandy B
11:53 17 Oct 22
Riviera brought some calm ground into my stressful property purchase process. Tom set up a fairly priced building insurance ready for exchange of contracts. He was friendly, reassuring and easy to contact. Just what I needed. Thanks.
carlo bragagnolocarlo bragagnolo
14:53 12 Sep 22
I have found Riviera Insurance brokers to provide a good quality and professional service. I have used them for some two years now for insurance on my buy to let properties and they have always sought and found the most competitive policies for me to ensure that I don't spend over the odds on the insurance I am forced to purchase. I would highly recommend the service as well as the professional way they deal with me as their customer.
Chris KimberChris Kimber
21:31 10 Jul 22
Highly satisfied, very patient with me and made everything clear. They spend ages on the phone with me ensuring I had the right policy and I never felt rushed. When I had to cancel the policy when I left the trade they were equally as friendly and helpful. Top marks!
Russell FrostRussell Frost
08:28 01 Jun 22
I bought my minibus insurance last year with Riviera Insurance and was happy to renew it with them this year, first class service, very friendly, extremely professional. There communications is second to none, be it by email or phone call. If you're in the market for renewing your minibus or any insurance I'd give them a call first. Highly recommend
Liz AddisonLiz Addison
21:08 31 May 22
Great service. All standard checks made in plenty of time prior to renewal. All specific requirements listened to and addressed with updates provided timely. Clear and transparent communications. Quote sent with clear explanations of the cover being offered. Understood individual requirements for separate owners and for the policy as a whole. Would happily recommend Riviera.
Dazzler DjDazzler Dj
09:52 24 Jan 22
Amazing service - I Had a email about renewal - sent a reply and no more than 5 mins later received a phone call - I’m so impressed - it’s nice for a company to value your business - Sarah was very friendly extremely helpful and very professional - I would certainly recommend this company. - Dave Catmore
Jasper WybrantsJasper Wybrants
09:39 24 Jan 22
Tom was really responsive and came back with a really competitive quote really quick. Will use them again as the whole process was painless.
We’ve been with Riviera Insurance for over 5 years! They are professional, friendly and care about their customers. I highly recommend them.
Claudia ApostolClaudia Apostol
15:19 21 Dec 21
Really nice team, I was insured for the last 3 years by this insurance company.Keep the good work!
Art NIArt NI
09:27 30 May 23
Simply the Best& Clearly much better than all the rest!Very pleased with the quotation I received renewed again this yearCustomer service is streets ahead polite, courteous and if they say they will call you back … surprise surprise they actually do- unlike most othersAll in all very happy
E SE S
21:02 26 May 23
Had a lovely experience with Riviera Insurance so far got the best quote online and a further discount during the call with the agent Beth which was lovely and very helpful throughout all the process. The app looks nice and clear. Would recommend to everyone I know
Pete JamesPete James
11:55 25 May 23
1st time searching for taxi insurance just for me (was a named driver before). Richard was very helpful, polite and friendly, guiding me though the process, with the best price quote - beating the competition.Very Happy with the whole process.
AshkalyAshkaly
11:58 17 May 23
Affordable and Reliable CoverageRiviera Insurance stands out as an affordable and reliable car insurance provider. They offer competitive rates, transparent policies, and excellent customer service. With a range of coverage options to suit different needs and budgets, Riviera Insurance ensures you can find the right policy. Their responsive customer service and convenient online tools make managing your policy hassle-free. For affordable and trustworthy car insurance, choose Riviera Insurance.
Alan BallAlan Ball
09:26 21 Apr 23
I purchased some Gap Insurance through Duncan at Riviera for my new BMW M440!I am absolutely delighted with the service I received and also the price I paid, BMW quoted me a figure that was 5 times higher than the amount I paid Riviera for effectively the same product. So for anyone looking for Gap cover all I can say is give Duncan a ring and you won't be disappointed !!
Stephen DareStephen Dare
11:24 28 Mar 23
Excellent customer service - needed liability insurance and Darren had great knowledge which lead to me knowing everything, without having to spend ages on the phone. He called back when he said he would a true asset to which has left an excellent impression of this company.
Virginia HarrowVirginia Harrow
11:39 25 Jan 23
Absolutely FIRST CLASS! I had to arrange new building insurance very quickly, after purchasing the freehold, and Tom was so brilliant. He sourced the market, and came back with a great offer, which I accepted. He was so easy to deal with, so professional, and so helpful. Very impressed with Riviera's service, and would not hesitate to recommend them. I shall definitely be using them for all my future insurance needs.
Mandy BMandy B
11:53 17 Oct 22
Riviera brought some calm ground into my stressful property purchase process. Tom set up a fairly priced building insurance ready for exchange of contracts. He was friendly, reassuring and easy to contact. Just what I needed. Thanks.
carlo bragagnolocarlo bragagnolo
14:53 12 Sep 22
I have found Riviera Insurance brokers to provide a good quality and professional service. I have used them for some two years now for insurance on my buy to let properties and they have always sought and found the most competitive policies for me to ensure that I don't spend over the odds on the insurance I am forced to purchase. I would highly recommend the service as well as the professional way they deal with me as their customer.
Chris KimberChris Kimber
21:31 10 Jul 22
Highly satisfied, very patient with me and made everything clear. They spend ages on the phone with me ensuring I had the right policy and I never felt rushed. When I had to cancel the policy when I left the trade they were equally as friendly and helpful. Top marks!
Russell FrostRussell Frost
08:28 01 Jun 22
I bought my minibus insurance last year with Riviera Insurance and was happy to renew it with them this year, first class service, very friendly, extremely professional. There communications is second to none, be it by email or phone call. If you're in the market for renewing your minibus or any insurance I'd give them a call first. Highly recommend
Liz AddisonLiz Addison
21:08 31 May 22
Great service. All standard checks made in plenty of time prior to renewal. All specific requirements listened to and addressed with updates provided timely. Clear and transparent communications. Quote sent with clear explanations of the cover being offered. Understood individual requirements for separate owners and for the policy as a whole. Would happily recommend Riviera.
Dazzler DjDazzler Dj
09:52 24 Jan 22
Amazing service - I Had a email about renewal - sent a reply and no more than 5 mins later received a phone call - I’m so impressed - it’s nice for a company to value your business - Sarah was very friendly extremely helpful and very professional - I would certainly recommend this company. - Dave Catmore
Jasper WybrantsJasper Wybrants
09:39 24 Jan 22
Tom was really responsive and came back with a really competitive quote really quick. Will use them again as the whole process was painless.
We’ve been with Riviera Insurance for over 5 years! They are professional, friendly and care about their customers. I highly recommend them.
Claudia ApostolClaudia Apostol
15:19 21 Dec 21
Really nice team, I was insured for the last 3 years by this insurance company.Keep the good work!
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What is home insurance and Why do you need it?

Home insurance is a crucial safety net that shields your home and possessions from various risks, including theft, natural disasters, fire, and accidental damage. Whether you own or rent your home, having insurance ensures that you won’t face financial devastation in the event of unexpected incidents. It’s a proactive step towards securing your assets and securing your family’s future.

What type of home insurance do I need?

At Riviera Insurance, we offer two primary types of home insurance: buildings insurance and contents insurance. Buildings insurance covers the structure of your home and its permanent fixtures, while contents insurance protects your belongings, such as furniture, electronics, and valuable items. For complete peace of mind, we recommend combining both policies for comprehensive cover.

How can I get cheaper home insurance?

We understand the importance of finding affordable home insurance without compromising on cover. To obtain cheaper home insurance, consider the following tips:

Increase Security: Installing security features like burglar alarms and CCTV can lower premiums.

Increase Excess: Opting for a higher excess can lead to lower monthly premiums.

Bundle Policies: Combining home and auto insurance can often result in discounted rates.

Build a No-Claims History: The longer you go without making a claim, the better your rates may become.

What factors affect the cost of home insurance?

Several factors influence your home insurance premium, such as:

Location: Properties in high-risk areas, such as flood-prone zones, may have higher premiums.

Security Measures: Homes with advanced security features often receive lower premiums.

Rebuild Cost: The cost of rebuilding your home influences the insurance price.

Claims History: A history of frequent claims might result in higher premiums.

Optional upgrades and add-ons

Riviera Insurance offers optional upgrades and add-ons to enhance your policy’s cover. These may include:

Accidental Damage Cover: Extends protection to accidental damage within the home.

Legal Expenses Cover: Provides legal assistance for housing disputes or personal injury claims.

Home Emergency Cover: Offers assistance in emergencies like boiler breakdowns or plumbing issues.

home Insurance

Download our FREE app

At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.

What types of homes can I insure?

We cater to a wide range of properties, including:

Standard Houses: Covering traditional homes with standard construction.

Flats and Apartments: Tailored policies for apartments and flats.

High-Value Homes: Comprehensive cover for luxury or high-value properties.

Non-Standard Construction: specialised policies for properties with unique construction.

Frequently asked questions

Home insurance, also known as homeowner’s insurance, is a type of insurance policy that provides financial protection for your home and its contents in the event of covered perils, such as fire, theft, vandalism, or certain natural disasters.

Home insurance typically covers the structure of your home, personal belongings, liability for injuries or property damage to others, and additional living expenses if you are temporarily displaced due to a covered loss.

Covered perils often include fire, lightning, windstorm, hail, theft, vandalism, explosions, falling objects, and certain water damage (e.g., from burst pipes). It’s essential to review your policy to understand specific coverage inclusions and exclusions.

Home insurance typically excludes routine wear and tear, pests, war, nuclear accidents, and intentional acts of the policyholder.

Unlike Motor insurance, home insurance is not legally required . However, if you have a mortgage, your lender will likely require you to maintain adequate coverage until the loan is paid off.

The coverage amount for your home insurance policy is typically based on the estimated cost to rebuild your home and replace its contents. This is not the same as the market value of your property.

An Excess is the amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if you have a £1,000 excess and file a claim for £5000 in damages, you’ll pay £1,000, and the insurance company will cover the remaining £4,000.

Yes, there are ways to lower your home insurance premiums, such as increasing your excess, installing security systems, or making home improvements that reduce the risk of damage.

No, most standard home insurance policies do not cover home-based businesses. Separate business insurance or an extention on your existing policy may be necessary to protect your business assets adequately.

Big enough to save, small enough to care.

Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy.

With the added benefit of optional cover, options are to suit you and your pocket. So, finding cheap insurance has never been more simple.

If you are local to Torbay, you can even pop in and see us arrange your insurance at our high street office on Union Street in Torquay.