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A higher level of buildings and contents cover for the over 50s with Saga TailorMade Home Insurance

Saga TailorMade Home Insurance

If you need more than £100,000 for your contents or £1 million for your buildings insurance, our high value home insurance policy has been specifically designed for higher-value homes like yours.

Do I need high value home insurance?

There are a number of reasons why you might want to choose our tailormade cover...

  • Higher cover limits – you can insure your contents for more than £100,000 and your buildings for more than £1,000,000

  • Worldwide cover – for your possessions at no extra cost

  • Comprehensive buildings cover – against damage caused by incidents such as fire, storm, subsidence, flood, and theft

  • Alternative accommodation cover – for up to three years, should you need to move out of your home due to a claim

  • Cover for tracing and accessing a leak – including the cost of removing and replacing any part of the buildings

  • Accidental damage cover – is included as standard

  • No need to specify items under £5,000 – or £15,000 for paintings

  • Matching sets cover – 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.

What does Saga TailorMade Insurance cover?

On top of the regular features you would expect from your home insurance, our TailorMade cover also includes the following:

What’s covered Maximum amount payable
Alternative accommodation costs
Up to 3 years
Trace and access
Up to buildings sum insured
Locks and keys
Up to buildings sum insured
New fixtures and fittings
Up to 10% of buildings sum insured
Property owner’s legal liability
£10 million
Trees, shrubs, plants and lawns
5% of buildings sum insured and a limit of £1,000 for any one tree, shrub or plant
Upgrading security systems
Contents and valuables
No need to specify single valuables under £5,000 or paintings/artwork under £15,000
Business equipment
Contents in the garden and greenhouses
Up to contents sum insured
Personal belongings
Worldwide cover for your belongings included as standard
Personal liability
Up to £10 million
Newly acquired contents and valuables
20% increase on contents and valuables sum insured
Theft from an unattended vehicle
Wine and spirits
Up to £25,000 per collection or up to £500 per bottle
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)

Who underwrites Saga's TailorMade home insurance policies?

Saga’s range of insurance products is designed specifically for our customers and is unique to us. Saga TailorMade Home Insurance is provided by Royal & Sun Alliance Insurance Ltd which meets our high standards of quality and service.

Get a high value home Insurance quote

Additional cover available with Saga TailorMade Home Insurance

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.

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, so we can't cover maintenance issues or problems that worsen gradually over time.

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

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.

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 likely value of the legal claim is greater than the costs of pursuing the legal claim and we cover pre-existing contracts as long as the incident occurred during the period of insurance.

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

TailorMade insurance policy books

Saga TailorMade Home Insurance

These policy books relate to Saga TailorMade Home Insurance policies.

Saga TailorMade Policy Book (PDF, 633KB)

For policies taken out on or after 26/07/2023
View Download

Saga TailorMade Policy Book (PDF, 609KB)

For policies taken out on or after 10/06/2023
View Download

Saga TailorMade Policy Book (PDF, 605KB)

For policies taken out on or after 01/11/2021
View Download