Saga home insurance

Saga was founded as a travel company by Sidney De Haan at a hotel in Folkestone, Kent in 1951. The company, currently chaired by his son Sir Roger De Haan, has been selling insurance, car finance and a magazine since the 1980s.

We compare up to 80 insurers, including quotes from Saga. When you compare home insurance quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from Saga.

You can find out more about Saga home insurance below, or if you're ready to start comparing just click on the quote button.

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Why choose Saga home insurance?

  • Saga's home insurance is 5 star rated by Defaqto
  • Covers up to £1 million for buildings and up to £100,000 for contents

Who is Saga?

Saga considers themselves to be a brand champion for people over 50 living vibrant lives. It exists to create exceptional experiences every day, providing products and services that enable its customers to do the things they love with confidence.

The company has a unique insight into the needs of its customers and develops insurance products specifically with them in mind. Saga home Insurance has been widely recognised by industry experts. Both of its home insurance cover levels have been rated 5 Star by Defaqto.

Saga home insurance policy details

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 as standard:

  • 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.

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 expenses cover
  • Home emergency 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, (up to £2,500 per item).

Home insurance legal cover provides 24-hour online safety support, unlimited legal and tax advice, plus cover for legal costs up to £100,000 for a range of disputes where the legal team believes your case can be won.

Saga home emergency ensures unlimited callouts and cover up to £2,000 per incident for issues like burst water pipes and blocked drains, plus complete failure of internal electrics. Optional cover for boiler and heating is also available.

Contact Saga home insurance

To make changes to your home insurance policy, you can call 0800 068 3410 or use the chat function on the Saga website.

To make a claim, call the claims number on your policy documents. If your claim is regarding home emergency, you can contact the 24/7 helpline at 0800 092 126.

You can also contact Saga by writing to:

Saga Services Limited,
3 Pancras Square,
London,
N1C 4AG

Saga is authorised and regulated by the Financial Conduct Authority (firm reference no. 311557).

Home insurance guides

Page last reviewed: 15 February 2024 

Reviewed by: Matthew Harwood