Saga Home Insurance

Compare Saga Home Insurance With UK Market

Buildings Insurance

£1million to help rebuild your home (unlimited for Home Plus)

Contents Insurance

Up to £100K contents cover

Special Features

Over 50? Protect your home with Saga. Get Defaqto 5 Star rated insurance. You could fix the price for 3 years. T&Cs apply.

Alternative Accomodation

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Saga Home Insurance

More information on this product

Saga Home Insurance has had a Defaqto 5 Star Rating for 11 years in a row. Choose between two comprehensive levels of cover with the same highly rated customer service. Saga Insurance is for people over 50 and is rated ‘Excellent’ on Trustpilot
Saga Select – solid cover for your building and contents: High cover levels – buildings cover up to £1 million, contents cover up to £100,000, and there’s no need to specify single items worth less than £2,500, such as jewellery and artwork. Home and dry – our trace and access buildings cover includes repairing any damage caused by finding and fixing leaking pipes (Saga Select up to £5,000; Saga Plus up to sum insured). Suitable alternative accommodation – up to £100,000 for you and your house pets if you need to move out while your home is repaired as part of a claim
Saga Plus – all the benefits of Saga Select plus these extra comforts: 3-year fixed price – settle in for 3 years with no price hikes, if nothing changes. And there’s no cancellation fee if you do decide to leave. T&Cs apply. Claims promise – most types of claim won’t affect your fixed price. It’s just claims for accidental damage or personal belonging that will. Helps you budget and plan – over 1 million customers have chosen a Saga Plus home insurance policy, with its excellent extras, since launch in 2018

Insurance Offered

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Features

You could save up to £165*. Save time and money. One short form to complete, tailor a policy to suit your needs and compare providers

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*51% of consumers could save £165.27 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next seven cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023. The savings you could achieve are dependent on your individual circumstances.

Saga Home Insurance

Saga offer home insurance for the over 50s, offering a better deal for older customers. They provide both buildings and contents insurance, either separately or as a joint policy.

They also offer specialist cover for landlords and a range of additional cover options so customers can build a policy tailored to their personal requirements.

Choosing a Saga home insurance policy

Policy-holders can benefit from the following as standard:

Defaqto 5 Star rated cover
Up to £1,000,000 buildings cover
Up to £100,000 contents cover
Up to £100,000 for alternative accommodation if you have to move out of your home
New for Old replacement of items
Up to £10,000 worldwide cover for your personal belongings (with Premier cover)
Up to £25 to cover the cost of any switching fees
UK-based phone advisers (with no automated telephone menus)

You can choose from two levels of cover with Saga home insurance Essential and Premier.

They also offer landlord insurance and a range of optional extra cover.

Saga Essential Cover

With this policy you can benefit from:

Up to £1,000,000 buildings cover
Up to £100,000 contents cover
New for Old replacement of items
Only needing to specify single items worth more than £2,500
Accidental damage cover for non portable household electrical items

You also have the option of:

Full accidental damage cover (e.g. for broken spectacles or DIY accidents)
Personal belongings cover for items outside the home (e.g. mobile phones)

Saga Premier Cover

This policy includes:

Up to £1,000,000 buildings cover
Up to £100,000 contents cover
New for Old replacement of items
Only specify single items worth more than £2,500
Accidental damage cover for non portable household electrical items
Full accidental damage cover (e.g. for broken spectacles or DIY accidents)
Personal belongings cover for items outside the home (e.g. mobile phones)
No claims discount (keep down future premiums if you don’t make a claim)
Matching sets replacements (if one item from a set is damaged, the whole set will be replaced)

Saga Landlord Insurance

When insuring their properties with Saga, landlords can take advantage of:

Up to £500,000 buildings cover
Contents insurance for £10,000, £25,000 and £50,000 (to cover carpets, furniture etc)
Accidental damage cover (for items broken or damaged accidentally by tenants)
Legal Expenses cover (unlimited legal advice & up to £100,000 for legal proceedings)
Malicious damage/vandalism cover
Alternative accommodation cover (to rehouse your tenants after a major incident)
Rent Guarantee cover (optional)
Multi-property discount (10% discount for every additional property you insure with Saga)

Additional cover options

You can add these extra features to your policy for extra protection where you need it.

Personal Belongings cover

Offers worldwide protection for your possessions up to £10,000 per incident (lower levels up to £2,500 or £5,000 are also available).

Home Cover

Saga will cover a range of emergencies relating to areas such as: plumbing and drains (including blocked drains and burst pipes), internal electrics (in the event of complete failure), pest infestation (such as removal of wasps or hornets nests) and security (i.e. glazing and locks).

Legal Expenses Cover

Offers unlimited personal legal advice and cover of up to £100,000 for a variety of legal proceedings. Policy-holders can also access a range of professionally written legal documents online that can be edited to meet your needs.

Garden Cover

Provides up to £1,500 towards replacing your shrubs, trees and hedges and £2,000 worth of cover for garden contents in the open, under your contents policy. Additional premium varies depending on your individual circumstances.