When you’ve spent time and care making a house a home, you want to be sure it’s protected from anything that could go wrong. Getting the right level of home insurance is important to keep your home and belongings safe against the unexpected happening.
Log in or create a MySaga account to make changes, view your policy documents or renew your policy. Fast and easy, no need to call.
Home insurance cover can vary, depending on what you need and the type of property you're looking to protect. Generally, you can take cover to insure your buildings, contents or or a combination of both under one policy.
Saga offers two levels of cover, Saga Plus and Saga Select, both 5 Star rated by Defaqto and each with the same great level of service.
Use the home insurance comparison chart below to compare our two policies and decide which one best suits your needs.
|Cover and benefits||Saga Select||Saga Plus|
3-year fixed price
You can expect to pay the same price for 3 years if there are no changes, even after most types of claim. (T&Cs apply)
Up to £1 million cover for buildings and up to £100,000 for contents.
Accidental damage cover in the home
For example if you stain your sofa or leave a hot pan on a worktop.
Personal belongings cover
For items away from home like mobile phones and tablets (up to £10,000 per event with a single item limit of £2,500).
New for old replacement
No need to add single items worth less than £2,500
(Like jewellery and paintings kept at home) to the policy
For when your home is unoccupied for up to 60 days in a row, such as if you go on a long holiday.
Trace, access and repair
Of water and oil leaks (buildings cover only).
Up to £5,000
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)
Three year fixed price home insurance with added extras
So your price won't go up for three years. You can make changes to your policy whenever you need to (although this could affect your premium), and you don't have to renew if you don't want to. (T&Cs apply).
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.
Up to £5,000 to cover garden contents, including lawn furniture, children's play equipment, flowers and shrubs.
Protect precious items when you’re away from home — anywhere in the world (only with contents cover).
For any mishaps at home, like sitting on your glasses or staining the carpet.
If you cancel during the year we won't charge you a cancellation fee.
Most types of claim won't affect your fixed price.
Protects the belongings your child takes with them to their term-time residence.
Whilst it doesn’t come with our 3-year fixed price or the full range of features available on Saga Plus, it is still 5-Star Defaqto rated and you can still choose to include accidental damage and cover for personal belongings away from home if you need them.
If you need higher cover limits (more than £100,000 for your contents or £1 million for your buildings insurance), have a look at Saga TailorMade Home Insurance. Our policy specifically designed for higher-value homes like yours.
Home insurance is made up of two main types of insurance:
You can buy separate policies for each of these, or you can buy a combined buildings and contents policy.
The level of cover you get will depend on the home insurance policy you choose, so you should always read your policy documentation carefully. However, there are a few things that are generally excluded.
Home insurance premiums are calculated using factors that are specific to you and your area, as well as general trends in the UK.
Factors that are specific to you and your area include:
Factors outside our control include:
Home insurance provides peace of mind by shielding you from costs you would otherwise have to pay when there is a sudden and unexpected event or accident. It isn’t a legal requirement to have home insurance in the UK, but if your property has a mortgage against it then the mortgage provider will usually require you to have buildings insurance.
If you own your home outright, it’s still a good idea to have house insurance in place to guard against unexpected costs. And if you’re buying a new home you should have cover in place when you exchange contracts.
The benefits of home insurance mean that you will be covered for what can be very high costs if your home is damaged or its contents stolen.
At Saga we keep our quote process as simple as possible and we can give you an online quote in just a few minutes.
Before you start, you’ll need to have the following information:
Once you’ve completed the form you’ll see quotes for our two levels of cover, Saga Plus and Saga Select, with all the features we offer so that you can make the best choice for the home insurance coverage you need.
Winners in four out of five home insurance categories
5 Star rated home insurance every year since 2014
2023 claims satisfaction award from Consumer intelligence, as voted by householders
Our home insurance has a 5 Star rating by Moneyfacts
Consumer intelligence recommendation by customers award for 2023
'Saga have an excellent reputation and gave excellent service when I had a claim.'
'I trust Saga. Staff are knowledgeable & helpful.'
'The staff member was very friendly, not forceful, knowledgeable about the product. I did not feel I was being pushed to make a decision. Very helpful.'
We know that loss, damage or theft of your possessions can happen at any time, which is why our Personal Belongings Cover protects your personal possessions anywhere in the world.
You can choose to add cover up to £2,500, £5,000 or £10,000 per incident. Whether it’s an iPad left on a train, dropping your mobile phone on the floor or having your camera stolen on holiday, you can claim for a replacement.
Personal Belongings Cover is included as standard in our Saga Plus cover level but can be added to your Saga Select policy at any time by calling 0800 056 9102.
Our home insurance might be able to cover you if you have significant building works planned like an extension or loft conversion, but you'll need to tell us in advance and there will be additional terms applied. Smaller projects involving plumbing or electrical work also need to be mentioned to us in advance. You don't need to tell us about routine work, like painting and decorating or general maintenance, unless scaffolding is required.
Saga Plus and Saga Select policies do not cover you for accidental damage due to demolition, structural alterations or structural repairs to your home, or due to faulty design or workmanship or using faulty materials.
If you’re looking beyond our standard home insurance and need cover for over £1 million buildings or over £100,000 contents, our Saga TailorMade Home Insurance can provide higher levels of cover as well as many great features and benefits, such as worldwide cover for your valuables and accidental damage as standard. We'll need details of any valuables worth over £5,000 each, or over £15,000 for paintings.
A roof can be damaged by old age, poor maintenance, or storm damage, so whether your home insurance covers damage from leaks really depends on what caused the damage and what’s in your policy documentation. If a leak is caused by sudden damage from a storm or a fallen tree, then you’re likely to be covered. But if the damage is a result of wear and tear or old age, you will not be covered.
If the damage to your roof is found to be caused by wear and tear, your insurance will not cover the repair of the roof, however, if you have selected accidental damage cover (included as standard in our Saga Plus cover level), then any subsequent internal water damage may be covered.
Saga Plus and Saga Select policies cover loss or damage caused by falling trees, branches, lampposts, telegraph poles, electricity pylons, poles or overhead cables, when they are a direct cause of a roof leak, to the insured amount.
Our contents insurance is designed to offer cover for your personal possessions and any damage you are liable for as a tenant. For more information, please see our renters insurance page.
If you are renting your property, it’s normally the responsibility of your landlord to purchase buildings insurance, which covers the structure of your home and outbuildings, as well as things like built-in appliances and bathroom fixtures.
There's plenty to explore and learn about our home insurance cover.
Fix the price for the next 2 renewals with Saga Plus home insurance. You'll have no surprises when you come to renew. T&Cs apply.
Protect your property with buildings insurance. We offer up to £1 million cover, three-year fixed price and no cancellation fee.
Protect your favourite things against theft, fire and accident with up to £100,000 content cover at a 3-year fixed price.
A higher level of buildings and contents cover for the over 50s with Saga TailorMade Home Insurance.
Tailor your home insurance policy to suit your needs with optional extras such as Saga Home Emergency and Legal Expenses.
Get cover for home emergencies with a 24/7 emergency helpline, unlimited callouts and up to £2,000 per incident. Optionally include cover for your boiler & heating too.
Insure your holiday home for peace of mind that it’s protected, even when you’re not there.