A range of cover options to suit your needs
3-year fixed price with no tie-ins – T&Cs apply
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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.
Start your journey with us by getting a quote for Saga TailorMade Home Insurance over the phone.
Mon-Fri – 8:30am-7:00pm
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.
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 |
---|---|
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)
|
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.
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:
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.
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:
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.
There's plenty to explore and learn about our home insurance and discover what else Saga has to offer.