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You may have been in your home for some time and have got everything just how you want it, Saga Home Insurance will protect all of your hard work, helping you feel safe and protected in the house you live in and love. Over 70s home insurance from Saga is here to protect you against damage to your buildings and contents so that you can carry on enjoying your home without worry.
When it comes to over 70s home insurance, your individual circumstances influence the cost. The cost of your insurance will be affected by:
When you’re calculating how much over 70s home insurance cover you need, you should be careful not to underestimate the cost of rebuilding your home or the value of its contents.
Over 70s home insurance consists of two types of cover – buildings and contents. You can buy separate policies for each, or you can buy a combined buildings and contents policy to give you the over 70s home insurance for your needs.
Don’t know what your rebuilding costs would be? For standard built homes, Saga offers cover for up to £1 million. If you property is over six bedrooms, listed, or built before 1850 we would need to know the specific rebuild cost. You can use an online calculator from the Building Cost Information Service.
By making a careful inventory of the items you need to insure, you’ll have a reliable list of items should you need to make a claim and an estimate you can use to get an accurate quote.
At Saga we have a quick and simple online quote process, and you can get an over 70s home insurance quote in just a few minutes.
We offer two levels of cover dependent on your needs, Saga Plus and Saga Select. With Saga Plus, cover includes the following:
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.
Whether you drop orange juice on the carpet, have a football go through a window, or break your glasses at home, we'll cover you for those unexpected accidents that happen at home.
If you cancel during the year we won't charge you a cancellation fee.
Protect essential items when you’re away from home, so if you lose a hearing aid or misplace your glasses, you can replace them.
Both Saga Plus and Saga Select over 70s home insurance policies offer the following benefits as standard:
If you have home insurance for your current address and are planning a move, you might be able to transfer your policy to cover you at a new address. Other insurers may charge you to make a change to your policy, Saga doesn’t charge any administration fees for making amendments mid-term, although the cost of your insurance may change. Your insurer will reassess the price of your cover based on factors such as your new address, property type and different contents.
With Saga Plus insurance, you can arrange cover at a fixed price for up to three years. If you move house, just let us know, and we’ll let you know if it affects your premium for the rest of your fixed price term. You can then choose whether to accept this.
This depends on your over 70s home insurance provider. If you’ve chosen to include accidental damage on your home insurance policy, most insurers will cover you for redecorating or DIY accidents. If you’re making structural changes or erecting scaffolding then you may not be covered.
It’s a good idea to contact your provider before you get started with any renovation project so you can let them know what work is planned. They can then say if your home will still be covered or whether they need more information.
With Saga Plus and Saga Select policies renovations are usually covered, as long as you let us know in advance. However, we may not accept all renovations. For example, if the work isn’t being carried out by qualified professionals.
If you have a second home or a weekend home, and you want to have all your policies in one place, then you can get over 70s home insurance from us. Just so you know, the Saga Plus cover level (and therefore 3-year fixed price) is only available for main homes, that are permanently occupied and don’t have lodgers.
If you’re planning some exciting extended holiday trips or intending to spend more time visiting friends and family, you’ll want to be sure that your home and its contents remain covered by over 70s home insurance when you’re away from your property.
Short trips and stays away don’t usually affect the terms of your insurance, but you may need to think about what cover your home has if you are away for extended periods of time. Empty houses are considered more of a risk as there could be greater damage caused, for example by an unattended water leak.
Saga Select and Saga Plus provide cover when your home is unoccupied for up to 60 days in a row, to cover those extended absences without having to worry about what’s happening back home.
If you’re going to be away for more than 60 days, just let us know and we can update your policy. We’ll usually ask that someone is visiting the property at least once a week to keep an eye on it whilst your gone. This can be a family member, friend or neighbour.
There's plenty to explore and learn about our home insurance cover.