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Saga Buildings Insurance

Up to £1,000,000 buildings cover for the over 50s

Saga Home Insurance - Buildings cover

Our 5 Star rated buildings cover includes:

  • Accidental damage cover for cables, tanks and underground pipes serving your home for which you are responsible
  • Alternative accommodation up to £100,000 if your home is uninhabitable following a claim (up to £1,000,000 with our Saga Home cover level)
  • Cover when your home is unoccupied for up to 60 days in a row, such as if you go on an extended holiday
  • Optional accidental damage cover for fixtures and fittings, such as fitted kitchen units and your bathroom suite. Please note this is already included with our Saga Home cover level

Introducing 3-year fixed price

We've launched 3-year fixed price home cover. If nothing changes, neither should your price.

If you choose our Saga Home buildings cover level, we’ll fix this year’s price for the next two renewals, so if you choose to stay next year and you haven’t made any changes, your price will stay the same. See the terms and conditions and find out more about our 3-year fixed price cover.

A choice of cover levels

Situation Saga Essential Saga Home
A violent storm damages your roof Yes Yes
(Up to £1m)
You lose your keys and need new locks fitted to your external doors Yes Yes
(Up to £5,000) (Up to £1m)
You need to stay in alternative accommodation while your home is being repaired following a claim Yes Yes
(Up to £100,000) (Up to £1m)
You put a hot pan on the kitchen worktop and damage the surface Optional Yes
(Up to £1m)
You damage the bath while doing DIY and it can’t be repaired or replaced to match the basin and toilet – we will replace the whole set No Yes
(Up to £1m)
3-year fixed price, if nothing changes over the next three years, neither will the cost of your policy No Yes

For full details on what is covered by Saga Home and Saga Essential buildings please see the policy book.

If you require more than £1,000,000 to rebuild your home, please call 0800 096 3251 or see Saga TailorMade Home Insurance for more information.