Home insurance

Saga’s contents insurance provides a wide range of cover for your possessions up to the value of £50,000. Premiums are based upon your individual home and possessions. Higher cover is available at an additional charge. See our Saga Home Insurance TailorMade policy for more information.

Cover includes

• ‘New for old’ cover as standard: we will replace items that are lost or damaged with new ones of equivalent value, if it is not feasible to replace/repair them. Excluding clothing and linen, which can be protected with our Contents Cover Plus policy.
• Full cover when your home is unoccupied for up to (60 days in a row. An additional premium may be charged).
• Office contents cover up to £5,000 if you work from home.
• Frozen food protection, up to a limit of £500. Increased cover can be provided by Contents Cover Plus.
• Up to £250 per person for guests’ possessions brought into your home during a visit.
• During religious festivals, including Christmas, your contents cover will be increased by 10% for the month of the festival.
• Replacement of external locks if your keys are lost or stolen – maximum value of £250.
• Up to £5,000 fatal injury benefit if you are fatally injured in your home due to fire or theft.
• 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 Cover Plus policy.) See our Policy booklets section for more details.
• Up to £1,000 for loss of oil or metered water.
• Up to £2,000,000 for legal liability as an occupier.
  
  

Valuables

Within your policy we assume that a certain number of your possessions will be valuables. Valuables are defined as jewellery, watches, clocks, furs, articles made of gold, silver and other precious metals, precious stones, pictures, works of art and stamp, coin and medal collections. A limit is set on the amount that can be paid out for valuables, based on the number of bedrooms in your home.

Your policy can be revised if you believe that your valuables are worth more than the amount we have allowed, at an additional charge.

Individual valuables

You should let us know about any particular valuables that are worth more than £2,500. These items must be specified separately to ensure they are correctly covered.

Extended Accidental Damage

Upgrade your contents insurance to cover against extended accidental damage, protecting you against the cost of accidental damage that you or someone else causes to your home’s contents. If you require a higher level contents sum insured, please call 0800 015 1863 or see our Saga Home Insurance TailorMade policy for more information.

Additional Cover Options

Everyone has different insurance needs. Saga therefore offers a range of extra cover options that you can add to a Saga contents insurance policy. Further details are available in the Additional cover section.