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Home insurance extra coverage

We recognise that you have different priorities and may need to tailor the cover to suit your needs.

Personal belongings cover

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) whether you’ve lost an item inside your home or garden, accidentally left something on the train, or damaged a valued possession while you’re out and about.

The types of incident covered include:

  • Watches and cameras lost on holiday
  • An iPad left on the train
  • A phone left in a taxi

Our Saga Plus cover level includes personal belongings cover up to £10,000 per incident as standard, or you can add it to our Saga Select cover level.

Personal Belongings Cover is underwritten by the same insurer as the Contents section of your policy.

Saga Home Emergency

From £34.99 per year, you can protect your home by adding Saga Home Emergency to your Saga Home Insurance policy. With unlimited call outs each year and up to £2,000 per incident, your home is covered for a range of emergencies relating to the following areas:

  • Plumbing and drains, if you have a blocked drain or a burst pipe
  • Electrical, if there is a partial or complete failure of internal electrics
  • Pest infestation, such as the removal of wasp or hornet nests and mice or rats
  • Security (i.e. glazing and locks) if you have a smashed window that's causing a security risk or you've lost your keys and are locked out of your home.

Compare home emergency cover

Cover and benefits Home Emergency Home and Heating Emergency
Call outs allowed each year
Water supply pipes
Drainage and internal plumbing
Roof damage
Pest infestation
Security (i.e. glazing and locks)
Overnight accommodation each year

3 nights

3 nights

Partial or complete electrical failure
Complete boiler breakdown
Annual boiler service



Please note, claims cannot be made within the first 14 days of the policy. Our Home emergency cover is only for unforeseen failures and problems where we complete temporary fixes to make sure the home is habitable, so we can't cover maintenance issues or problems that worsen gradually over time.

Who provides Saga's home emergency cover?

Saga Home Emergency Insurance is provided by Inter Partner Assistance S.A, part of the AXA group.
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Accidental damage cover

Repair or replace belongings around your home after accidental mishaps and unexpected damage.

Accidental damage insurance comes as standard with Saga Plus, but can be added as an additional cover option to your Saga Select policy.

Find out more
Defaqto 5 star rated home insurance 2014-2024

Defaqto 5 Star rated home insurance

We are proud to offer five-star treatment every day with Saga Home Insurance – Defaqto 5 Star rated every year since 2014.

Legal Expenses

Our Legal Expenses option includes an Online Safety Support Service. This means you can get advice, support and solutions for identity fraud, computer viruses and suspicious emails - as well as Legal costs of up to £100,000 for a range of proceedings.

Our Legal Expenses cover provides the following benefits:

  • Unlimited legal and tax advice
  • Up to £100,000 for a variety of legal proceedings
  • 24-hour fraud and scam helpline
  • Protection for Legal claims and disputes for you and any family members permanently living with you
  • Cover for a range of legal proceedings relating to your home, contract disputes, employment, death, personal injury and more
  • 24-hour Online Safety Support Service offering expert advice and assistance to help you prevent viruses and restore your electronic devices following a potential cyber-attack.

Our Legal expenses cover could help in the following situations:

  • You have a property damage dispute, such as your neighbour’s overhanging branches fall and damage your property
  • You have a contract dispute, such as with a builder who is extending your property
  • You’ve been the victim of identity theft
  • Your receive a suspicious email and would like advice
  • Your computer has a virus.

Please note that we cover claims as long as an independent legal representative believes you can win your case. You should ensure that you have basic security software installed on your electronic devices and accounts should be password protected. Cover is available when the amount in dispute is £100 or more and we cover pre-existing contracts as long as the incident occurred during the period of insurance.

Who underwrites Saga's legal expenses cover?

Saga Legal Expenses Cover is underwritten by RAC Insurance Ltd. The Online Safety Support Service is managed and administered by RAC Insurance Limited.