Emergency Home Insurance

• *Based on 10% of Admiral tier Instaquote building and contents combined customers between January and June 2021 paid from £113
• Choose from three levels of cover: Admiral, Gold or Platinum
• Unlimited buildings cover
• Up to £150,000 contents cover
• Bicycle cover (under £350)
• Optional additional cover including bicycle cover worth more than £350, high value items and personal possessions
• Optional extras including Family Legal Protection, Home Emergency Cover, Boiler Emergency Cover and Accidental Damage Cover

• 24 hour emercny helpline
• Moneyfacts’ Home Insurance Provider of the Year, Moneyfacts’ highest five star rating, Insurance Choice Awards Best Home Insurance Provider 2019
• Admiral.com Home Insurance is rated 9.1 out of 10 based on 4084 Revoo reviews from the last 12 months
• 20 million policies: Over the past 28 years, the Admiral Group has served millions of policies to our vast customer base.

• Build your policy from three levels of Bronze, Silver or Gold Cover for buildings, contents or both. Then tailor your policy with optional add-ons
• Change your policy at any time, without admin fees or hidden charges. You can even cancel at no extra cost
• If you’re an existing customer, you won’t pay more than a new customer for the same cover
• From £10,000 to Unlimited Alternative Accommodation Cover if you can’t stay in your current home as the result of an approved claim
• Valuable cover from £10,000 to £40,000

• Optional add-ons including Personal Cyber Cover, Legal Expenses Cover, Accidental Damage Cover for contents and/or buildings, Bicycle Cover. Student Cover, Home Emergency and Boiler Servicing Cover, and Gadget Cover

• Extras included as standard in our Saga Home cover level:
  • Accidental damage cover means mishaps at home, such as dropping a laptop or spillages on carpets, don’t have to be costly.
  • Personal belongings cover protects items you take out with you up to £10,000 (single item limit £2,500).
  • Alternative accommodation is based on your individual circumstances, so you’re covered to stay in a place like home if you have to move out due to a claim.
  • 3-year fixed price means no unexpected price increases for two renewals.

Saga’s home insurance policies are unique products and are designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that, like us, are committed to providing high standards of quality and service

What’s covered

Cover for your property, possessions and more.

Damage to your property and possessions

• Caused by events such as fire, theft, subsidence and flooding
• Includes damage to garages and outbuildings and their contents

Cost of alternative accommodation (including loss of rent)

• We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
• And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable

Liability protection for injuries or property damage

• If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wet rot, dry rot or frost damage
• Damage that’s been caused over time
• Fences, gates or hedges damaged in a storm
• Claims for poor workmanship or faulty design

Take a look at our policy wording for full details of what’s not covered.

• Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
• Quickly compare home insurance quotes
• We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
• Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer

• *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019

• Save £££’s online with our home insurance policies
• Buildings, contents or combined insurance available
• Add on optional extras
• Low prices with great value insurance
• Flexible, comprehensive home insurance
• CCJ’s, bankruptcy or offenders acceptable
• Cover available for vacant property
• Non standard construction insurance available
• 9 out of 10 customers rate overall claims service as excellent

• Click on ‘Get Quotes’ above or alternatively call now on 01325 346 328 and Quote Ref: FV1

Get Quotes »

What do I need to get a quote?

Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:

Your property’s build date:  you can find the actual date in your mortgage survey or home buyer’s report

The date you bought your house or when you moved in.

Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.

Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.

The rebuild cost of your house:  Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.

The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.

The details of any items you wish to insure that are worth over £1,000.

Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.

What does home insurance cover?

Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.

Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.

Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.

You can compare all three policy types through Confused.com.

You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.

For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.

• Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
• Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
• Get a quote in 60 seconds
• Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent

• No cancellation fees
• No administration fees to make changes
• 24/7 UK based claims service
• Contents cover can include bicycle & gadget cover
• Damaged items get replaced with new
• Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers