ALL ABOUT SAGA HOME COVER
For nine-digit quote/policy numbers starting with ‘10’
All about our home insurance 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 |
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3-year fixed price, you can expect to pay the same price for 3 years if there are no changes (T&Cs apply) |
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Up to £1 million cover for buildings and up to £100,000 for contents |
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New for old replacement of items if they can't be repaired |
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No need to add single items worth less than £2,500 (like jewellery and paintings kept at home) to the policy |
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Accidental damage cover in the home for example if you stain your sofa or leave a hot pan on a worktop |
Optional |
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Trace, access and repair of water and oil leaks (buildings cover only) |
Up to £5,000 |
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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) |
Optional |
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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) |
Who are Saga's home insurance policies underwritten by?
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%.
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: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.
Saga Legal Expenses Cover is underwritten by RAC Insurance Ltd. The Online Safety Support Service is managed and administered by RAC Insurance Limited.
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.
Our Saga Plus cover level includes personal belongings cover up to £10,000 per incident as standard, or you can add it to our Saga Select cover level.
Personal Belongings Cover is underwritten by the same insurer as the Contents section of your policy.
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.
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