Insurance for renters

Home Insurance Defaqto Logo 2017
Our contents insurance is designed to offer cover for your personal possessions from as little as £52 – in fact, this or less was the annual price paid by more than half our new customers between February and April 2017.

Saga 5 Star rated contents cover includes...

  • Contents sum insured amounts of either £75k or £100k
  • Cover for damage to the buildings you are liable for under your tenancy agreement
  • Alternative accommodation up to £25,000 as standard for you and your pets with temporary storage of your contents if your home is uninhabitable following a claim
  • £2m cover for liability as an occupier of your rented property
  • New for old replacement of items if repair is not feasible
  • Cover for improvements you have made as a tenant, for example, fixed tiles and flooring.

More and more people are choosing to rent for reasons such as releasing income or taking time to find the right home while downsizing. If you are new to renting you can read our article on the seven things you should be aware of as a tenant to ensure you get a fair deal.

If you are renting your property it is normally the responsibility of your landlord to purchase buildings insurance, which covers the structure of your home and outbuildings.

A choice of cover levels

Cover and Benefits
Essential Premier
Contents cover up to £100,000


New for old replacement of items if repair is not feasible

Replacement of matching pairs or sets if we cannot repair or replace individual items to match

Cover if you damage your landlord’s buildings/fixtures and fittings
£5,000 10% of Sum insured
Cover for liability as occupier of your rented property up to £2m


Damage to your contents by pets


Cover for food and drink kept in your fridge or freezer
£500 Unlimited
Personal belongings covered outside the home
Optional £10,000

More information on what’s covered in our contents policy can be found in our Summary of Cover.

If you require more than £100,000 cover for your contents please call 0800 096 3251 or see Saga TailorMade Home Insurance.