CONTENTS INSURANCE
Protect the things you love against loss and damage with Contents cover up to £100,000
Contents cover for people over 50
It’s the things you gather round you that make your house a home, and when you’ve collected valuable items that make life more enjoyable, you don’t want to risk losing them to accident, damage or theft. Saga’s Contents cover lets you enjoy the things you love without fear of loss.
What is contents insurance?
Home contents insurance covers the costs of replacing items in your home that have been destroyed, damaged or stolen. The contents of your home are the things you would take with you when you move, and so this means all your belongings except the building's they are in and the fixtures and fittings (except fixtures, fittings and decorations belonging to you as a tenant).
You can buy house contents insurance as a standalone product, or you can combine it with buildings insurance in a combined home insurance policy.
What does contents insurance cover?
Contents insurance is designed to replace all the contents in your property, including household goods, electrical items and valuables. It covers your possessions against:
- Theft – if your mobile phone, laptop, flat screen TV or jewellery are stolen when your home is burgled, you can replace them.
- Fire – if your furnishings are damaged or destroyed in a fire, you are covered for new ones.
- Accidental Damage – you can get cover for if you break your TV, drop and smash your tablet or sit on your glasses (included with Saga Plus, optional with Saga Select).
You also have the option to add cover for accidental damage or loss of personal items when you take those items out with you, like if you lose your mobile phone when out walking. Your contents insurance can also include personal liability and emergency home cover to fix any urgent issues that come up, for example with plumbing or internal electrics.
Check your policy documents for a full list of what is and isn't included in your contents insurance policy.
What does Saga Contents cover include?
With our 5-Star rated Saga Plus Contents cover you get:
2-year fixed price
You'll get a price for one year's cover but, because we fix this for your next renewal, as long as nothing changes, you'll pay the same price next year. T&Cs apply.
Accidental Damage
Cover for unexpected and unintended damage caused by sudden means which is not deliberate.
Worldwide cover for personal belongings
Cover for lost or damaged personal belongings anywhere in the world up to £10,000 in total, with a £2,500 single article limit* (optional with Saga Select).
Alternative accommodation
For you and your pets, if your property becomes uninhabitable due to an insured event.
Up to £100,000 contents cover
Claims promise
Making a claim won't affect your 2-year fixed price unless it's for Accidental Damage or Worldwide cover.
Personal liability cover
Up to £2 million anywhere in the world.
No cancellation fee
If you cancel during the year we won't charge you a cancellation fee.
*Bicycles are covered up to £1,000 in the UK, Isle of Man, Channel Islands or Europe (for up to 60 days).
Don’t need that much cover?
We also offer Saga Select. While it doesn’t come with our 2-year fixed price or other extra features you get with Saga Plus, it’s still 5-star Defaqto rated. And you can also add optional extras.
What’s the best Contents cover for you?
Not sure which one to choose? Use the table below to compare the two policies and find the best Contents cover for you.
| Cover and benefit | Saga Select | Saga Plus |
|---|---|---|
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2-year fixed price You'll get a price for one year's cover but, because we fix this for your next renewal, as long as nothing changes, you'll pay the same price next year. T&Cs apply. |
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Up to £100,000 cover for your contents |
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Accidental Damage Cover for unexpected and unintended damage caused by sudden means which is not deliberate. For example, a carpet ruined by spilt red wine. |
Optional |
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Worldwide cover for your personal belongings You can claim for lost or damaged personal belongings, such as your mobile phone or glasses, anywhere in the world. Single item limit £2,500. Bicycles are covered up to £1,000 in the UK, Isle of Man, or Europe (for up to 60 days). |
Optional |
up to £10,000 |
|
No need to specify single items worth less than £2,500 Such as jewellery and paintings kept at home. |
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Garden cover Cover for loss of or damage to your plants, lawns, shrubs and garden contents within the property. |
Up to £1,000 |
Up to £5,000 |
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Matching Sets cover Replacement of matching pairs or sets of items, for example kitchen appliances or three-piece suites (if we can’t repair or replace individual items to match). |
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Items replaced new for old When you make a claim, items that are damaged or lost will be replaced or valued on a brand-new basis. |
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Pet Damage Including scratching, tearing, chewing or fouling. |
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Lock replacement If your keys are lost or stolen |
Up to £1,000 |
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Student cover Covers loss of or damage to contents while in temporary student accommodation, such as halls of residence. |
Up to £10,000 |
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Trauma cover If you make a claim (that's accepted) on this policy following a violent crime at your home we'll pay up to £1,000 for professional counselling fees. |
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Personal liability up to £2 million For example, while playing golf you accidentally hit someone with the ball and they wish to claim against your personal liability for their injuries. |
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Alternative accommodation For you and your pets, if your property becomes uninhabitable due to an insured event. |
Up to £25,000 |
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Theft from outbuildings, garages & sheds |
Up to £3000 |
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Up to 60 days cover if your home is left unoccupied You can head off for a period of up to 60 days with your home fully covered and no need to declare it unoccupied after just a month. |
Who provides Saga Home Insurance?
Saga Home Insurance is arranged and administered by Ageas Retail Limited and underwritten by Ageas Insurance Limited.
Get a quote for Contents cover today
What does contents insurance not cover?
Contents only insurance doesn’t cover everything, and it’s worth checking your policy details to make sure you understand what is and isn’t covered. Some examples of things your policy won’t cover:
- Your possessions against general wear and tear or gradual deterioration
- Any contents that do not belong to you or one of your visitors or are not your responsibility
- Any loss or damage caused deliberately by you or anyone acting on your behalf
- Any harm done to your computer or smart devices, as well as the data stored on it or in the cloud, caused by hacking or viruses.
Who needs contents insurance?
You don’t have to take out contents insurance, but if you had to pay to replace your home and personal possessions it could be very costly.
Contents insurance protects you against the cost of replacing your belongings, and you can tailor the sum insured to make sure you have enough cover to replace all your contents as new.
If you don’t own the building you live in, you should still take out contents insurance for your possessions. Although your landlord, or the freeholder if you're a leaseholder, is responsible for buildings insurance, you will still need to have the things you own protected, and, if renting, that might include some things in the property belonging to your landlord.
How much contents insurance do you need?
To work out how much contents insurance you need, take some time to consider room by room which items you have that are worth insuring.
- Estimate a replacement price and make a list of each item.
- Research the price you would need to pay if you had to buy the items new. Saga policies work on a new for old basis, so you will be covered for a new item like the one you insure.
- If there are individual items worth over £2,500 kept at home, these should be added as named items.
- If you purchase new and valuable items after you’ve taken out your policy, you'll need to add these items to your cover.
With a complete up-to-date inventory to hand, you can feel comfortable that all your belongings are protected with the right amount of contents insurance.
How the contents calculator works
- Enter the value of the contents for each room of your home
- Discover how much it will cost to replace all your contents
- Get a home insurance quote with Saga
Get Started
Top tip: enter the replacement value as if you were to buy your items again now, rather than what you paid previously.
Both Saga Select and Saga Plus Contents cover include Items replaced new for old as standard.
Living room contents
Please estimate the value of the contents in your living room that you need cover for.
Kitchen contents
Please estimate the value of the contents in your kitchen that you need cover for.
Dining room contents
Please estimate the value of the contents in your dining room that you need cover for.
Bedroom(s)
Please estimate the value of the contents in your bedroom(s).
Bathroom, garage and other contents
Please estimate the value of the contents in your bathroom, garage or anywhere else inside the home that you need cover for.
Shed and garden contents
Please estimate the value of the contents in your shed and garden that you need cover for.
Your required cover level:
Top tip: enter the replacement value as if you were to buy your items again now, rather than what you paid previously.
Both Saga Select and Saga Plus Contents cover include Items replaced new for old as standard.
This figure is based on the information you have provided.
If you go ahead and complete a full quote any of the information you've entered won't need to be given again.
Contents FAQs
A standard contents insurance policy will protect your contents if they are damaged, destroyed by things like a burst pipe, flood or fire or stolen from the property. Accidental damage can be added to your cover so that if an item is damaged or destroyed by an accident at home it can be repaired or replaced.
So if you drop your tablet and break the screen or a friend spills red wine on your carpet and sofa, you can be covered – you just need to make sure you check the details carefully when you choose a policy.
With Saga Plus policies, Accidental Damage is included as standard up to the contents sum insured, and it can be added as an option to Saga Select policies.
Contents insurance doesn’t include things that are part of the building, such as a fitted kitchen or bathroom (except any fixtures, fittings and decorations belonging to you as a tenant) – these are included in buildings insurance. Freestanding furniture, carpets and personal belongings will be covered by contents insurance.
You can cover both the contents of your home and the fabric of the building with combined building and contents insurance, or you can take out a separate policy for each one.
The cost of contents insurance is dependent on the amount of cover you require and can be tailored to the amount and nature of contents you want to insure. Dependent on the policy you choose, you will, for example, be able to add optional cover for particular items of value, or to add on accidental damage.
To get started, get a Contents cover quote with Saga.
With Saga Contents cover, items are replaced new for old. This means that if an item is damaged beyond repair, we will replace it, regardless of age. For example, if your TV is knocked over and breaks, we'll replace or pay to replace it with a similar brand new one even if your original TV was 10 years old.
More from Saga Home Insurance
There's plenty to explore and learn about our home insurance cover.
How much contents insurance do I need?
Take time to value all your possessions to ensure they’re fully covered.
Additional home insurance cover options
Tailor your home insurance policy to suit your needs with optional covers such as Saga Home Emergency and Legal Expenses.
Bicycle insurance
Enjoy your two-wheel adventures more when you get the right bike insurance.
Emergency cover
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.
Flood re – Flood risk home insurance
Our home insurance with Flood Re can make it easier and more affordable to cover your home if it’s in a high-risk flooding area.
Accidental pet damage
Make sure you’ve got the right level of home insurance to cover damage caused by your pets.
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The energy price rise is impacting millions of UK households. So, what changes can we make to keep costs down and reduce energy use at home?
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