Customer rating
★★★★★
Satisfaction survey
Customers report easy sign up process and good value
No home insurance claims line details available on the Saga website
Saga home insurance review
We've checked out Saga's home insurance, which has three different cover options to choose from.
Saga’s home insurance is available in 2 cover levels so you can choose what you need. You can buy buildings cover and contents cover separately or combine them for comprehensive cover.
As well as Saga’s over-50s home cover being rated as 5 stars by Defaqto, customers that select the higher cover levels can also fix the price of their premium for 3 years (as long as nothing changes that affects the policy). Here’s what else we think you should know about Saga.
What is Saga?
Saga originally focused on travel for people aged over 50 and then branched out to offer travel, home and motor insurance as well as other financial services for this group in the 1980s.
Saga has become one of the UK’s leading insurance providers for people over 50, winning a number of awards for its products and services. In Finder’s 2021 Home Insurance Customer Satisfaction Awards, Saga came third out of 16 insurers, with 79% of customers saying they’d recommend the brand.
What are Saga’s cover options?
Saga offers home insurance has a 5-star rating from Defaqto and is underwritten by a number of insurers. These policies come in 2 main cover levels:
- Saga Select. Lowest level of cover which you can enhance with optional extras
- Saga Plus. Comprehensive cover that includes accidental damage as well as other great features as standard
What is covered under my policy?
Saga’s home insurance has several cover benefits as standard, including the following:
| Cover benefits | Saga Select | Saga Plus |
|---|---|---|
| Buildings cover | ||
| Property owner’s liability | ✓ Up to £2 million | ✓ Up to £2 million |
| Alternative accommodation | ✓ Up to £100,000 | ✓ Up to buildings sum insured |
| Trace, Access and Repair of water or oil leaks | ✓ Up to £5,000 | ✓ Up to buildings sum insured |
| Accidental damage cover | Optional | ✓ Up to buildings sum insured |
| Accidental damage to cables and underground pipes | ✓ Up to buildings sum insured | ✓ Up to buildings sum insured |
| Emergency entry | ✓ Up to buildings sum insured | ✓ Up to buildings sum insured |
| Key and lock cover | ✓ Up to £1,000 | ✓ Up to buildings sum insured |
| Damage caused by pets | x | ✓ Up to buildings sum insured |
| Compulsory evacuation | ✓ Up to buildings sum insured | ✓ Up to buildings sum insured |
| Contents cover | ||
| Alternative accommodation | ✓ Up to £25,000 | ✓ Up to contents sum insured |
| Liability to others | ✓ Up to £2 million | ✓ Up to £2 million |
| Visitors’ personal belongings | ✓ £250 per person up to £1,000 | ✓ Up to £2,000 |
| Contents in the open | ✓ Up to £1,000 | ✓ Up to £5,000 |
| Key and lock cover | ✓ Up to £1,000 | ✓ Up to contents sum insured |
| Garden cover | ✓ Up to £1,000 | ✓ Up to £5,000 |
| Personal money | ✓ Up to £500 | ✓ Up to £1,000 |
| Frozen food cover | ✓ Up to £500 | ✓ Up to contents sum insured |
| Oil and metered water | ✓ Up to £2,000 | ✓ Up to contents sum insured |
| Credit cards | ✓ Up to £500 | ✓ Up to £1,000 |
Optional extras
Saga offers a range of additional protections that you can bolt onto your specific home insurance policy, including the following:
- Personal belongings cover (when you’re away from home)
- Saga home emergency cover
- Legal expenses cover
- Accidental damage cover
What is my excess?
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your home.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
How much is this going to cost me?
There are a number of factors that can affect the cost of your Saga home insurance premium, including the following:
- The cover option you choose. Enhancing your buildings, contents and combined cover policies with optional extras will provide more features and broader cover than Saga’s standard cover options, which will likely be reflected in the price.
- Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
- Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
- Where your home is located. Certain risks, for example, storm and theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premiums.
- Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore could reduce the cost of your cover.
What is the claims process for Saga?
You will need to refer to your policy document and follow the claims process contained within it.
You will likely need to provide the following information:
- Your policy details and personal contact details
- The date of the incident
- Details such as the cause of the incident
- The value of any lost or damaged items being claimed for
- Names and address of any other people involved or responsible for the incident, including details of injuries)
You may also need to provide as much of the following additional information as you can:
- Original purchase receipts, invoices, manual booklets or photographs, bank statements, utility bills, plans or deeds of your property
- Purchase dates and location of lost or damaged property
- Confirmation from a suitably qualified expert that the damaged property you intend to claim back for is beyond repair
It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.
Saga pros and cons
Pros
- Buildings and contents home insurance has a 5-star rating from Defaqto
- 2 levels of cover
- 24/7 claims lines
- No admin fee for making policy changes
Cons
- No home insurance claims line details available on the Saga website
- Admin fee for cancelling after the 14-day cooling off period on Select policies
Home insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores ("Customers say") are based on a survey of 2,414 customers carried out in December 2022.
Learn the details of our methodology and scoring.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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