A range of cover options to suit your needs
3-year fixed price with no tie-ins – T&Cs apply
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When you’ve spent time and care making a house a home, you want to be sure it’s protected from anything that could go wrong. Getting the right level of home insurance is important to keep your home and belongings safe against the unexpected happening.
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Home insurance cover can vary, depending on what you need and the type of property you're looking to protect. Generally, you can take cover to insure your buildings, contents or or a combination of both under one policy.
Saga offers two levels of cover, Saga Plus and Saga Select, both 5 Star rated by Defaqto and each with the same great level of service.
Use the home insurance comparison chart below to compare our two policies and decide which one best suits your needs.
Cover and benefits | Saga Select | Saga Plus |
---|---|---|
3-year fixed price
You can expect to pay the same price for 3 years if there are no changes, even after most types of claim. (T&Cs apply)
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Up to £1 million cover for buildings and up to £100,000 for contents.
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Accidental damage cover in the home
For example if you stain your sofa or leave a hot pan on a worktop.
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Optional |
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Personal belongings cover
For items away from home like mobile phones and tablets (up to £10,000 per event with a single item limit of £2,500).
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Optional |
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New for old replacement
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No need to add single items worth less than £2,500
(Like jewellery and paintings kept at home) to the policy
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Extended cover
For when your home is unoccupied for up to 60 days in a row, such as if you go on a long holiday.
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Trace and access Trace, access and repair of leaking water or oil pipes causing damage to the property (buildings cover only). |
Up to £5,000 |
Up to sum insured |
Replacement of matching pairs or sets of items
Like earrings or three-piece suites (if we can’t repair or replace individual items to match)
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Three year fixed price home insurance with added extras
So your price won't go up for three years. You can make changes to your policy whenever you need to (although this could affect your premium), and you don't have to renew if you don't want to. (T&Cs apply).
If something that’s part of a set gets broken (like your bathroom sink for example), if we can’t repair or replace it to match, we’ll replace the whole set.
Protect precious items when you’re away from home – anywhere in the world.
Up to £5,000 to cover garden contents, including lawn furniture, children's play equipment, flowers and shrubs.
For any mishaps at home, like sitting on your glasses or staining the carpet.
If you cancel during the year we won't charge you a cancellation fee.
Most types of claim won't affect your fixed price.
Protects the belongings your child takes with them to their term-time residence.
Whilst it doesn’t come with our 3-year fixed price or the full range of features available on Saga Plus, it is still 5-Star Defaqto rated and you can still choose to include accidental damage and cover for personal belongings away from home if you need them.
Home insurance is made up of two main types of insurance:
You can buy separate policies for each of these, or you can buy a combined buildings and contents policy.
The level of cover you get will depend on the home insurance policy you choose, so you should always read your policy documentation carefully. However, there are a few things that are generally excluded.
These include:
Home insurance premiums are calculated using factors that are specific to you and your area, as well as general trends in the UK.
Factors that are specific to you and your area include:
Factors outside our control include:
Home insurance provides peace of mind by shielding you from costs you would otherwise have to pay when there is a sudden and unexpected event or accident. It isn’t a legal requirement to have home insurance in the UK, but if your property has a mortgage against it then the mortgage provider will usually require you to have buildings insurance.
If you own your home outright, it’s still a good idea to have house insurance in place to guard against unexpected costs. And if you’re buying a new home you should have cover in place when you exchange contracts.
The benefits of home insurance mean that you will be covered for what can be very high costs if your home is damaged or its contents stolen.
Find out more about over 60s, over 70s and over 80s home insurance.
At Saga we keep our quote process as simple as possible and we can give you an online quote in just a few minutes.
Before you start, you’ll need to have the following information:
Once you’ve completed the form you’ll see quotes for our two levels of cover, Saga Plus and Saga Select, with all the features we offer so that you can make the best choice for the home insurance coverage you need.
We are proud to offer five-star treatment every day with Saga Home Insurance – Defaqto 5 Star rated every year since 2014.
We know that loss, damage or theft of your possessions can happen at any time, which is why our Personal Belongings Cover protects your personal possessions anywhere in the world.
You can choose to add cover up to £2,500, £5,000 or £10,000 per incident. Whether it’s an iPad left on a train, dropping your mobile phone on the floor or having your camera stolen on holiday, you can claim for a replacement.
Personal Belongings Cover is included as standard in our Saga Plus cover level but can be added to your Saga Select policy at any time by calling 0800 056 9102.
Our home insurance might be able to cover you if you have significant building works planned like an extension or loft conversion, but you'll need to tell us in advance and there will be additional terms applied. Smaller projects involving plumbing or electrical work also need to be mentioned to us in advance. You don't need to tell us about routine work, like painting and decorating or general maintenance, unless scaffolding is required.
Saga Plus and Saga Select policies do not cover you for accidental damage due to demolition, structural alterations or structural repairs to your home, or due to faulty design or workmanship or using faulty materials.
A roof can be damaged by old age, poor maintenance, or storm damage, so whether your home insurance covers damage from leaks really depends on what caused the damage and what’s in your policy documentation. If a leak is caused by sudden damage from a storm or a fallen tree, then you’re likely to be covered. But if the damage is a result of wear and tear or old age, you will not be covered.
If the damage to your roof is found to be caused by wear and tear, your insurance will not cover the repair of the roof, however, if you have selected accidental damage cover (included as standard in our Saga Plus cover level), then any subsequent internal water damage may be covered.
Saga Plus and Saga Select policies cover loss or damage caused by falling trees, branches, lampposts, telegraph poles, electricity pylons, poles or overhead cables, when they are a direct cause of a roof leak, to the insured amount.
Our contents insurance is designed to offer cover for your personal possessions and any damage you are liable for as a tenant. For more information, please see our renters insurance page.
If you are renting your property, it’s normally the responsibility of your landlord to purchase buildings insurance, which covers the structure of your home and outbuildings, as well as things like built-in appliances and bathroom fixtures.
There's plenty to explore and learn about our home insurance and discover what else Saga has to offer.