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Saga Home Insurance

High levels of cover for the over 50s – with our 3-year fixed price. If nothing changes, neither will your price.

Insurance choice awards home insurance 2020 Defaqto Expert Rated 5 Star 2014 to 2021

Fix the price of your house insurance for 3 years

Our Saga Home cover includes valuable extras as standard including our 3-year fixed price feature. If you select this cover level, your price will be fixed for the next two renewals.

Plus you're not tied in for three years, you have the freedom to leave at renewal if you choose to.

Find out more about how our fixed price works.

Award-winning home insurance

Our customers voted Saga the Best Home Insurance Provider in the Insurance Choice Awards 2020, the only independent insurance awards. We were scored 4.9 out of 5 for our home insurance.

Saga Home also comes with other great features:

  • Accidental damage cover for mishaps in the home, such as dropping and breaking your tablet or phone
  • Personal belongings cover to protect your items when you're away from home
  • Matching sets cover so if one item’s broken, such as your bathroom basin, you won’t be left with a mismatched suite
  • Alternative accommodation, if you need to move out due to a claim.

Saga Home is only available directly from Saga, you won’t find it on comparison sites. Get a quote.

If Saga Home is not for you, we also offer Saga Essential. This doesn't come with our 3-year fixed price and extra features Saga Home offers as standard, but does provide a comprehensive level of cover. To see how our cover levels compare take a look at the table below.

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 policy. T&Cs apply No Yes
Up to £1,000,000 buildings cover and up to £100,000 contents cover available Yes Yes
New for old replacement of items for example if your television is stolen we’ll replace it with a new one Yes Yes
No need to specify single items worth less than £2,500 such as jewellery and paintings kept within the home Yes Yes
Accidental damage cover in the home, for incidents such as dropping a laptop or hammering a nail through a pipe Optional Yes
Personal belongings cover* for items away from home such as mobile phones and tablets Optional Yes
Replacement of matching pairs or sets of items, such as earrings or three-piece suites, if we cannot repair or replace individual items to match No Yes

*Unspecified personal belongings are covered up to £10,000 per event with a single item limit of £2,500.

If you need a higher level of cover, Saga TailorMade Home Insurance offers higher levels of buildings and worldwide contents cover and includes accidental damage cover as standard.

Saga’s home insurance policies are unique products designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that, like us, are committed to providing high standards of quality and service.

What our customers say about Saga's home insurance

Our Trustpilot score is based solely on customer reviews and is a combined score for all our insurance products.