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Over 50s home insurance

Home insurance you can count on, only for people over 50. A 3-year fixed price means that if nothing changes, neither will your price.
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Defaqto Expert Rated 5 Star 2014 to 2021

Pay the same price for your home insurance for three years

Along with lots of added extras as standard, your Saga Home cover comes with our 3-year fixed price. That means that as long as nothing changes, you’ll pay the same price for your next two renewals.

Don’t worry though – the only thing that’s fixed is the price. You’re free to 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.

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An award-winning over 50s home insurance provider

We’re really proud of our home insurance. And our customers love it too – they voted us best home insurance provider at the Insurance Choice Awards 2020 (the only independent insurance awards), where we scored 4.9 out of 5.

We were also recognised at the 2021 Consumer Intelligence Awards where we’re pleased to say that our home insurance won in three categories (customer trust, claims satisfaction, customer satisfaction and customer service).

Saga Home also comes with these great features:

  • 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
  • Matching sets cover – if something that’s part of a set gets broken (like your bathroom basin for example), if we can’t repair or replace it to match, we’ll replace the whole set
  • Alternative accommodation – if you need to move out of home while it’s being repaired after a claim.

Saga Home is only available from us – you won’t find it on price comparison sites.

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Saga Essential – no-nonsense cover

We also offer Saga Essential. While it doesn’t come with our 3-year fixed price or other extra features you get with Saga Home, it’s still 5-star Defaqto rated. And you can also add optional extras.

Not sure which one to choose?

Use the table below to compare the two policies.

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.

Cover and benefits Saga Essential Saga Home
3-year fixed price, if nothing changes over the next three years, neither will the cost of your next two renewals (Ts&Cs apply) No Yes
Up to £1 million cover for buildings and up to £100,000 for contents Yes Yes
New for old replacement of items 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
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
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) No Yes

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 in your policy documents.

What do our customers say about us?

You don’t just have to take our word for how great our cover is. You can read real reviews from real customers on Trustpilot:

Our Trustpilot score is based solely on customer reviews. It's a combined score for all our products.