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Saga home insurance review
We've checked out Saga's home insurance, which has three different cover options to choose from.
![Saga Saga](https://www.finder.com/niche-builder/61a73417f319a.png)
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.
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 2024 home insurance Customer Satisfaction Awards, Saga came first, with 90% of customers saying they’d recommend the brand.
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’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 |
For a full list of the features, check out Saga’s home insurance policy documents.
Saga offers a range of additional protections that you can bolt onto your specific home insurance policy, including the following:
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.
There are a number of factors that can affect the cost of your Saga home insurance premium, including the following:
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:
You may also need to provide as much of the following additional information as you can:
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 won the home insurance category in the Finder Customer Satisfaction Awards in 2024 , with 90% of customers saying they’d recommend the service to a friend. Feedback included praise for its service and fair prices, with many customers stating they were happy with Saga’s claim process.
One customer commented: “Delivers a quality service exactly as promised.”
Not all comments were totally positive, mainly around premiums. Another customer said: “Overall good company, good website and interesting members pages. Renewal price is a little steep, no movement available.”
Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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