Saga home insurance

Saga offers home insurance specifically for the over 50s and over 60s. Cover comes in two levels - Saga Select and Saga Plus.

It also splits its home insurance into 2 cover types: buildings insurance and contents insurance. Buildings insurance covers repairs for any damage to the physical structure or permanent fixtures of your home as well as the cost of rebuilding. Contents insurance protects your personal belongings against loss, theft or damage.

Saga's range of insurance products is designed specifically for its customers and is unique to Saga. Its home insurance policies are underwritten by several different insurers who all meet its high standard of quality and service.

A Saga Select policy has all the essentials, offering no-fuss cover to suit most homeowners. This level of cover comes with certain provisions: 

• Up to £1 million of buildings cover and up to £100,000 contents cover
• New-for-old replacement
• Extended cover to protect your home when you're away for up to 60 days
• Single item contents limit of £2,500 for valuables kept in the home
• Trace and access cover up to £5,000 on your buildings insurance to find the source of a leak causing damage to your buildings and repair it, even if the damage to the pipe is caused by wear and tear.

Saga Plus includes certain added extras:

• A fixed price for 3 years in a row if nothing changes, even after most types of claims.
• Accidental damage, so you're protected for damage to furniture or worktops.
• Personal belongings cover of up to £2,500 for any items you take outside of the home (up to £10,000 per incident). 
• Replacement for matching sets means you can get things like earrings or 3-piece suites replaced if Saga can't repair them.
• Student cover, so your child's belongings are protected when they're away at university.
• Garden cover up to £5,000 protects items kept in your garden such as furniture or children's play equipment.

Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.