Home insurance

As your home is probably your most important and valuable asset, our straightforward buildings insurance policy has been designed to provide your home with comprehensive protection.  

Cover includes

• Full protection when your home is unoccupied for up to 60 days in a row, for example if you go on an extended holiday. You can arrange to extend this depending upon the circumstances (an additional premium may be charged)
• Up to £2,000,000 for your legal liability as owner of the property
• Accidental damage cover for fixed glass in windows, and for cables, underground pipes and tanks serving your home for which you are responsible
• Property rebuilding or repair expenses including architects’ and surveyors’ fees
• The cost of alternative accommodation if you have to move out during repairs, up to 20% of the amount for which you are insured. (Up to sum insured with our Premier cover policy.)
• Protection for fixtures and fittings, such as fitted kitchen units
• A defined list of causes, including fire, storm, subsidence, flood and theft. Walls, fences, drives, paths, patios, outbuildings, swimming pools and tennis courts are included, subject to policy terms and conditions, with the exception of storm or flood damage to fences, hedges and gates.

Essential Plus

Upgrade your home buildings insurance to cover against extended accidental damage. This protects you against the cost of unforeseen damage to your property, for example, if you put a hot pan on a work surface in the kitchen.

There is no need to calculate the cost of rebuilding your home

With Saga buildings insurance your home is covered for rebuilding costs of up to £500,000. This includes the clearing of land, and architects’ and surveyors’ fees if required. However this amount can be increased at an additional cost (although not available online). If this is the case then you may have to calculate the cost of rebuilding your home, but it means that you will be fully protected for any insured event.

If you require more than £500,000 rebuild cost, please call 0800 015 1863 or see Saga Home Insurance TailorMade for more information.