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Protect your home with 3-year fixed price Saga Home Insurance
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.
What does home insurance cover?
Saga offers two levels of cover, both with the same great level of service.
Compare home insurance from Saga
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 claims - based on claims made in 2019 and 2020 (T&Cs apply) | – | Yes |
| Up to £1 million cover for buildings and up to £100,000 for contents | Yes | Yes |
| Accidental damage cover in the home for example if you stain your sofa or leave a hot pan on a worktop | Optional | Yes |
| 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 | Yes |
| New for old replacement | Yes | Yes |
| No need to add single items worth less than £2,500 (like jewellery and paintings kept at home) to the policy | Yes | Yes |
| Trace, access and repair of water and oil leaks (buildings cover only) | Up to £5,000 | Up to sum insured |
| 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) | – | Yes |
Saga Home Insurance cover at a glance
Saga Plus
Three year fixed price home insurance with added extras
- A 3-year fixed price – 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).
- Claims promise - most claims won't affect your fixed price.
- No cancellation fee - if you cancel during the year we won't charge you a cancellation fee.
- Accidental damage – for any mishaps at home, like sitting on your glasses or staining the carpet.
- Personal belongings cover – protect precious items when you’re away from home — anywhere in the world (only with contents cover).
- Matching sets cover – 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.
- Garden cover – up to £5,000 to cover garden contents, including lawn furniture, children's play equipment, flowers and shrubs.
- Student cover – protects the belongings your child takes with them to their term-time residence.
Saga Select
Our no-nonsense cover
Don't need that much cover? We also offer Saga Select. 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.
Saga TailorMade Home Insurance
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.
Who are Saga's home insurance policies underwritten by?
Our policies are underwritten by several different insurers. We handpick these companies very carefully, and make sure they have the same high standards of quality and service as we do. If you buy a policy from us you’ll see the name of the underwriter(s) in your policy documents.
Get a quote for Saga Home Insurance today
Which? Recommended Provider of home insurance
Saga has been named a Which? Recommended Provider of home insurance for 2022. Consumer champion Which? only endorses the best products and services. As a completely independent organisation, the granting of Which? Recommended Provider status truly reflects what they think – not what someone else wants them to say.
Ukraine crisis and the Homes for Refugees scheme
Like the rest of the country, we’ve been deeply saddened watching recent events unfold in Ukraine. Our thoughts are with the Ukrainian people at this incredibly difficult time.
Saga and the Association of British Insurers (ABI) support customers wishing to provide humanitarian aid to refugees from Ukraine or anywhere else. If you're a home insurance customer and you intend to welcome refugees into your home (or have already done so), you do not need to notify us, and your cover will continue as normal.
Read more about the Ukraine crisis and your insurance with Saga
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Guides to home insurance
What is home insurance?
Home insurance, or house insurance, protects your home and belongings against damage, theft and loss so you have the cover you need if you have to repair or rebuild your home or replace its contents.
What type of home insurance do you need?
Home insurance is made up of two main types of insurance:
- Buildings insurance – protection for the physical structure of your home, like the roof and walls, and permanent fixtures and fittings, like doors and windows and built-in appliances like dishwashers. It covers the cost of repairing or rebuilding your home.
- Contents insurance – protection for your personal possessions, like your TV or wristwatch, as well as your furniture and carpets. It covers against loss, theft or damage, usually in your home and when you’re out and about too.
You can buy separate policies for each of these, or you can buy a combined buildings and contents policy.
What doesn’t home insurance cover?
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.
These include:
- Loss or damage caused by wear and tear or things that happen gradually over time
- Issues arising from faulty workmanship, design or using faulty materials
- Intentional damage caused by you or anyone lawfully in your home
- Mechanical or electrical breakdowns
What factors affect your home insurance premiums?
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:
- Where you live – public information about your post code is used to rate your address and give you a price. We look at previous average claim costs and what future claims we might expect in your area.
- What you live in –your price will be affected by the type of property you are looking to insure. We look at factors such as number of bedrooms, age, build materials, and who lives there with you.
- Your claims history – we look at any claims over the last 5 years.
Factors outside our control include:
- The cost of our claims – insurance companies must meet the full cost of any valid home insurance claims, including the labour costs and parts and materials. That means that any economic changes, like the cost of building materials increasing, means the cost of paying claims does too. This can result in higher premiums.
- Severe weather – if there is an increase in the number of storm or flood claims due to bad weather, this can result in higher premiums.
- Fraud – fraudulent insurance claims cost insurance companies money and so may add to the cost of everyone’s insurance.
- Taxes – including extra costs such as Insurance Premium Tax (IPT) means you may see a higher premium, or if these costs reduce, a lower one.
Why do you need home insurance?
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.
What details do I need to get a home insurance quote?
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:
Address
Your full address, postcode and details of the property you want to insure, including roughly when it was built (we don't need the exact year) and number of bedrooms
Subsidence or flooding
Any history of subsidence or flooding at the property, including what year it most recently occurred
Start date
When you want the cover to start
Claims
Details of any claims made in the last 5 years by anyone living at the property, including the date and total cost of each one
Cover
An idea of how much cover you require for the building, contents, and personal belongings
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.
Why choose Saga Home Insurance
Here's some of the reasons why Saga is the company for you...
Defaqto
Our home insurance is 5 star rated by Defaqto
Which?
Saga is a Which? Recommended Provider of Home Insurance
Insurance choice
Insurance choice awards best home insurance provider 2021
Satisfaction
Saga won the Consumer intelligence Customer satisfaction award 2022
Customer trust
Saga won the Consumer intelligence award for customer trust, voted by householders
Why choose Saga Home Insurance
Here's some of the reasons why Saga is the company for you...
Defaqto
Our home insurance is 5 star rated by Defaqto
Which?
Saga is a Which? Recommended Provider of Home Insurance
Insurance choice
Insurance choice awards best home insurance provider 2021
Satisfaction
Saga won the Consumer intelligence Customer satisfaction award 2022
Customer trust
Saga won the Consumer intelligence award for customer trust, voted by householders
Here's what our customers have to say about us...
'Excellent cover for three years! I needed to change my building & contents insurance as my existing insurer was acting unreasonably hiking the new premium to stupid levels and not prepared to negotiate. I found that the Saga Plus cover offers everything I need and I like the idea of a fixed premium for three year thus avoiding the annual hassle over premium increases.'
Mr Wisbey
Here's what our customers have to say about us...
'All your telephone personnel are polite, helpful and explain exactly everything they are discussing. I find this very reassuring.'
Mrs Fisher
Here's what our customers have to say about us...
'Home insurance deal was cheaper than previous insurer renewal quote and will remain at same price for next 3 years subject to no claims providing piece of mind and excellent value.'
Mr Smith
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