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Find out more about our home insurance cover levels and additional cover options so you know what you are covered for.

All about our home cover

The below table shows the key features of our Saga Select and Saga Plus cover levels. If you do not know what cover level or additional options you have chosen you can find this in your policy documents.

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 (T&Cs apply)
Up to £1 million cover for buildings and up to £100,000 for contents
New for old replacement of items if they can't be repaired
No need to add single items worth less than £2,500 (like jewellery and paintings kept at home) to the policy
Accidental damage cover in the home for example if you stain your sofa or leave a hot pan on a worktop
Trace, access and repair of water and oil leaks (buildings cover only)

Up to £5,000

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)
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)

It’s the little things that make a big difference

You probably know your Saga Home Insurance comes with reassuring all-round cover. Here’s a reminder of a couple of things that come with your policy.

Did you know…

  • New-for-old cover – If you need to make a claim that includes something like a television that’s beyond repair, we’ll replace it with a brand-new one even if it’s 10 years old
  • Special times deserve special cover – Another surprising aspect of your insurance is that if you’ve got a special occasion in the offing, such as your wedding, civil partnership, birthday or anniversary, you may have extra presents and expensive items in the house. So, in the month before and after these events, we’ll increase the amount your contents are covered for by 20%.

Things you can do online

You may be able to do things and get the answers you need quickly and easily online.

  • View your documents – With an online MySaga account you can look at your renewal notifications, past quotes, current policy documents and more. Sign in or create an account
  • Update your home insurance – You can now make some amendments to your policy at MySaga, such as changing your payment details
  • Chat online – Click on the web-chat icon on any page of our website to search for answers to your questions. Or send an instant message directly to one of our team and they'll get back to you
  • Renew online – You can renew a Saga home policy safely and securely at MySaga. However, if you need to change your cover level or add additional cover, please contact us
  • Manage your preferences – The easiest way to keep in touch with us is via email. You can let us know which products and services you'd like to hear about and how you'd like us to contact you by managing your preferences.
Additional cover options
In addition to the benefits which come as standard with our home insurance, we also offer a range of additional cover options:
What is Personal Belongings Cover?

Damaging your valuables 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 to cover the cost of 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.

What is Saga Home Emergency?

Saga Home Emergency is an additional option which will cover you for a range of unexpected emergencies such as blocked drains, burst pipes, electrical failures, smashed windows and pest infestations.

This cover provides unlimited call outs from qualified tradespeople, up to three nights alternative accommodation while your home is being repaired and a 24/7 helpline so you can feel safe in the knowledge that we’re here for you whenever you need us. There is no excess or other fee to pay for any callout.

Saga Home Emergency is provided by Inter Partner Assistance S.A, part of the AXA group, and offers two different cover levels:

Home Emergency – This level provides cover for a range of home emergencies relating to gas and electricity supply, water supply pipes, plumbing and drains.

Home and Heating Emergency – This level includes all of the above, plus cover for a sudden and complete breakdown of the boiler, heating controls and main heating system, or if there's a leak from a hot water pipe or radiator.

You can add Saga Home Emergency to your policy at any time by calling 0800 056 9102.

What is Legal Expenses?

Legal Expenses is an optional cover that can be added to your Saga Home Insurance policy. It provides up to £100,000 to cover the cost of legal action brought by or against you, as long as the legal team believes you can win your case. This covers a number of legal scenarios such as boundary issues with a neighbour, contract or employment disputes or personal injury claims.

Our Legal Expenses option also includes an Online Safety Support Service. This means you can get advice, support and solutions for identity fraud, computer viruses and suspicious emails.