5 Star Rated Home insurance

Saga Home Insurance is designed for the over 50s and offers:

  • Up to 20% saving when you buy a policy online*
  • Up to £1,00,000 buildings and up to £75,000 contents cover as standard
  • Higher levels of cover are available through our Saga TailorMade Home Insurance
  • New for old replacement of your contents.

*25% of online quotes between July and September 2014 have seen at least a 20% saving off the undiscounted offline price.

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Save up to 20%* on Defaqto 5 Star rated Saga Home Insurance and enjoy peace of mind that your home will be protected with us. For more details about Saga Home Insurance, please use the links below...

Additional cover

Below is an overview of the additional cover available with Saga Home Insurance.

Personal Belongings Cover

Saga’s Personal Belongings Cover offers worldwide protection for your possessions up to £5,000 per incident – whether you have lost items inside your home or garden, left them on the train or broken them on a day’s outing. Additional premium varies depending on your individual possessions.

You are covered for things like:
  • Watches and cameras lost on holiday
  • iPod left on the train
  • Phone left in a taxi

Premier cover includes personal belongings cover as standard for items away from home.

Saga Home Emergency

This cover offers a 24 hour service for emergency repairs to your home by reliable tradesman. Choose from three levels of cover, including our Defaqto 5 star rated Home and Heating Emergency and Complete Home and Heating Care, which offers cover for a range of home emergencies and an Annual Boiler Service. Cover is available from £36.00 per year.

Legal Expenses Cover

Our Legal Expenses Cover can be added to either a Saga buildings or contents policy. It provides unlimited legal advice, plus cover of up to £100,000 for a variety of legal proceedings including (but not limited to) property, employment and personal injury. We will cover claims within the UK notified to us where we have 51% and above chance of success.

It also gives you online access to a range of professionally written legal documents that can be adapted to meet your needs and reviewed by a legal adviser, plus an additional 20% discount on a range of legal services, including conveyancing, probate, and will writing - all for just £27.00.

Cover is available when the amount in dispute is £100 or more. We cover pre-existing contracts as long as the incident occurred during the period of insurance.

Please note that Saga's online legal documents and legal services are currently only available to our customers in England and Wales.

Garden Cover

Garden Cover provides up to £1,500 towards replacing your shrubs, trees and hedges and £2,000 worth of cover for garden contents in the open, under your contents policy. Additional premium varies depending on your individual circumstances.


*25% of online quotes between July and September 2014 have seen at least a 20% saving off the undiscounted offline price.