Liverpool Victoria Home Insurance

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.

• 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