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Saga home insurance

Choose from two levels of cover especially for the over 50s - Saga Select or Saga Plus.

What does Saga home insurance cover?

Saga offers two levels of home insurance cover - Saga Plus and Saga Select.

Saga Plus

This cover offers great protection for your home and contents at a fixed price for three years. It includes accidental damage, personal belongings cover away from home, matching set, garden and student cover as standard.

Saga Select

This more basic cover doesn’t come with some of the benefits of the Saga Plus option, but it still gives you great protection and the chance to add accidental damage or personal belongings cover should you need it.

Saga home insurance offers separate buildings insurance and contents insurance, or you can take out a combined policy.

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.

Why choose Saga home insurance?

There are plenty of reasons to consider Saga home insurance when you shop around:

  • It’s been awarded a Defaqto five-star rating for seven years in a row
  • Customers have voted Saga best home insurance provider at the Insurance Choice Awards for two years running
  • Two levels of cover to choose from - Saga Select and Saga Plus
  • Choose Saga Plus and your price is fixed for three years if nothing changes to affect the policy, and even after most claims
  • No cancellation fees

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Buy home insurance with us and we’ll refund your excess if you make a claim. Excludes accidental loss and damage claims^

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^Up to £250 refunded after claim settled. Excludes accidental loss or damage claims. Full T&Cs apply.

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

Who is Saga?

Saga started life as a travel company in 1951 before it branched out into insurance in the 1980s.

It’s now a well-known and respected specialist provider of a wide range of products and services for the over 50s, including cruises, holidays, personal finance and motor insurance.

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