High Value Home Insurance for Over 50s

What’s covered	Maximum amount payable
Buildings
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	£10,000
Contents and valuables
Valuables	No need to specify single valuables under £5,000 or paintings/artwork under £15,000
Business equipment	£15,000
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	£15,000
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)

What’s covered

Maximum amount payable

Buildings

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

£10,000

Contents and valuables

Valuables

No need to specify single valuables under £5,000 or paintings/artwork under £15,000

Business equipment

£15,000

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

£15,000

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)

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.