Saga home insurance

Saga buildings insurance

Saga buildings insurance is there to protect you from the costs of repairing or rebuilding your home if it’s damaged by an unexpected event.

The physical structure of your home is covered - things like the walls, roof and windows, as well as permanent fixtures and fittings inside the home like the kitchen and bathroom suite.

Saga buildings insurance includes:

• Up to £1 million cover (the sum insured) for repair and rebuild costs
• Property owners’ liability cover for up to £2 million
• Alternative accommodation cover up to the sum insured on a Saga Plus policy and £100,000 on Saga Select. It pays for the cost of staying elsewhere if your home needs repairs and can’t be lived in after an insured event
• Trace, access and repair cover. This pays to find and fix water or oil leaks in your home – costing up to the sum insured for a Saga Plus policy and £5,000 for Saga Select
• Accidental damage to your home comes as standard on a Saga Plus buildings policy and can be bought as an optional extra with Saga Select. It covers things like smashed windows

Saga contents insurance

Saga contents insurance covers you against loss, theft or any unexpected damage that might happen to your personal belongings and household goods - in a fire or flood, for example.

Everything from your furniture and furnishings to your clothing, jewellery and technical equipment are covered.

Saga contents insurance includes:

• Up to £100,000 cover for your contents
• New for old contents cover
• Cover for the contents of your garden including plants, trees and shrubs up to £1,000 on Saga Select or £5,000 on Saga Plus
• Personal belongings away from home cover. Pays out if you lose your mobile phone on a day out or if you leave your laptop on a bus, for example. This comes as standard on Saga Plus and can be bought as an optional extra on Saga Select
• Accidental damage cover comes as standard for Saga Plus customers (optional extra for Saga Select). It pays for the cost of mishaps like a TV toppled over by a toddler or a glass of red wine staining your sofa
• Damage caused by pets to your belongings, such as scratching, tearing and chewing. This is only available on a Saga Plus policy
• Matching sets cover. A Saga Plus policy will pay out for the replacement of a matching pair or full set of items (like earrings or a three-piece suite) if it’s not possible to repair or replace a damaged or lost individual item to match
• Payment of up to £1,000 to replace locks if your keys are lost or stolen (or up to the sum insured on a Saga Plus policy)
• Trauma cover. If you’re unfortunate enough to experience a violent crime in your home, Saga insurance will pay for things like temporary accommodation, home security improvements and professional counselling fees

Optional extras

Accidental damage and personal possessions cover come as standard on Saga Plus policies but can be bought as optional extras on a Saga Select policy.

You can also buy optional legal expenses cover on both Saga Select and Plus policies. This will pay up to £100,000 per claim for you and your family to pursue or defend against a personal legal dispute. This could be for something like a personal injury claim that happened to you or a family member where someone else was to blame or a property dispute.

How can I contact Saga home insurance?

If you need to get in touch with Saga home insurance about your policy, you can call 0800 068 3410.

Mon to Fri: 8:30am - 8pm

Sat: 8.30am - 5pm

Sun: 9am - 5pm