Saga home insurance policy details
Saga offers home insurance specifically for the over 50s. 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.
Saga Select is the most basic policy, offering no-fuss cover to suit most homeowners. This level of cover comes with:
- Up to £1 million of buildings cover and up to £100,000 contents cover
- New-for-old replacement - ensuring you get the equivalent value of the item that has been lost stolen or damaged, without wear and tear taken off
- Extended cover to protect your home when you're away for up to 60 days
- Single item contents limit of £2,500 for items kept in the home
- Trace and access to cover building repairs after escape of water or oil
Saga Plus includes certain added extras as standard:
- Fixed price for 3 years as long as there are no changes to your home or circumstances. This stays in place even if you make a claim.
- Accidental damage, so you're covered for damage to furniture or worktops.
- Personal belongings cover of up to £2,500 for any items you take outside of the home.
- 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 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.
Saga home insurance optional extras
Saga offers a range of extras that you can add to suit your insurance for a cost, allowing you to tailor your policy to your needs.
Many are included as standard with Saga Plus policies. But if you buy a Saga Select policy it's worth considering adding some of them to your cover.
Saga optional extras include:
- Personal belongings cover
- Home insurance legal cover
- Home emergency cover
- Accidental damage cover
Personal belongings cover means you're protected against loss of personal possessions worldwide. You can choose how much cover you want, up to £10,000 per incident, with a single item limit of £2,500.
Home insurance legal cover provides online safety support, which offers advice and support for issues such as fraud. You also get cover for legal costs for a range of disputes where the legal team believes your case can be won.
Saga home emergency cover ensures unlimited call-outs and cover for issues like burst water pipes and blocked drains, plus internal electrics. Optional cover for boiler and heating is also available.
Accidental damage cover protects you against sudden and unexpected loss or damage to things like furniture, carpets and kitchen worktops.
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