Saga

Saga home insurance review

We've checked out Saga's home insurance, which has three different cover options to choose from.

4.1 ★★★★★ (56 reviews) Write a review
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Helen Champion
Updated . What changed?
Fact checked
Customer rating
★★★★★
Satisfaction survey
Customers report easy sign up process and good value
Might not be the most competitive for customers under 50
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.

With more than 65 years of experience, it’s 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 Essential. Basic cover which you can enhance with optional extras
  • Saga Home. Comprehensive cover that includes accidental damage

What is covered under my policy?

Saga’s home insurance has several cover benefits as standard, including the following:

Cover benefitsSaga EssentialSaga Home
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 and access of water or oil✓ Up to £5,000✓ Up to buildings sum insured
Accidental damage coverOptional✓ Up to buildings sum insured
Accidental damage to cables and underground pipes✓✓ Up to buildings sum insured
Emergency entry✓✓ Up to buildings sum insured
Key and lock cover✓ Up to £1,000✓ Up to buildings sum insured
Damage caused by petsx✓ Up to buildings sum insured
Compulsory evacuation✓✓ 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 £1,000
Contents in the open✓ Up to £1,000✓ Up to £1,000
Key and lock cover✓ Up to £1,000✓ Up to contents sum insured
Garden cover✓ Up to £1,000✓ Up to £1,000
Personal money✓ Up to £500✓ Up to £500
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 £500
For a full list of the features, check out Saga’s home insurance policy documents.

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 with personal cybercrime cover
  • Extended garden 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 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 the following additional information:

  • 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

Home insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 1,173 customers carried out in December 2020.
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