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SAGA home insurance

Find out more about Saga home insurance and compare quotes today.

Find out more about Saga home insurance and compare quotes today.

Why get home insurance from Saga? 

Saga offers a range of insurance products and services designed for people over 50 in the UK. 

Since 1980, Saga has provided home insurance and car insurance, before introducing pet insurance and private health insurance a decade later. With years of experience in the market, Saga customers can be confident in getting tried and tested policies that are highly rated by their customers and widely recognised by industry experts. All of Saga’s home cover levels are Defaqto 5-star rating.  

Saga insurance is owned by Saga PLC, and its insurance policies are underwritten by several different insurers. Underwriters include Ageas, AXA, Lloyds, Prestige and RSA. 

How to contact Saga

If you’re a new customer call 0800 092 9378 to speak to an advisor.

Opening times are between 8.30am-8.00pm on weekdays, 8.30-5.00pm on Saturdays, and 9.00am-5.00pm on Sundays.

For any other queries head to the Saga Contact Us page to find the right department for your call.

What types of home insurance can I get with Saga?

Saga offers two levels of cover targeted specifically for people over 50, Saga Select and Saga Plus.

If you need more than £100,000 for your contents or more than £1 million buildings cover, Saga’s TailorMade home insurance will give you greater flexibility.

Compare Saga Select and Saga Plus cover and benefits:

Cover and benefits Saga Select Saga Plus
3-year fixed price -
Up to £1 million cover for buildings and £100,000 contents
Accidental damage Optional
Personal belongings Optional
New for old replacement
Trace, access and repair Up to £5,000
Replacement of matching pairs or item sets -

Optional extras available with Saga home insurance policies include:

Accidental damage

Accidental damage gives you cover for damage caused by everyday mishaps, such as spillages and breakages. It could also cover for other sudden and unforeseen events not covered by a more specific peril, such as fire, flood or storm. Accidental damage cover is available as an optional extra for Saga Select and included as standard with Saga Plus.

Personal belongings cover

Personal belongings cover gives you worldwide protection for your belongings up to £10,000 per incident with a single-item limit of £2,500. This includes claims for items lost on holiday or on public transport. Personal belongings cover is available as an optional extra with Saga Select and included as standard with Saga Plus.

Home emergency cover

The home emergency add-on covers the cost of urgent temporary repairs, up to £2,000 per incident, when something goes wrong. This includes the cost of fixing burst pipes, electrical failures and dealing with pest infestations.

Legal expenses

Legal expenses cover insures you up to £100,000 per claim for legal advice and representation in the case of disputes or claims made against you. It also gives you access to a 24-hour helpline for legal advice that could help with neighbour disputes, identity theft, contract disputes with builders, as well as an Online Safety Support Service to help you prevent viruses and restore your electronic devices following a potential cyber-attack.

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[1] Correct as of March 2023.

[2] As of April 2023, Comparethemarket had an average rating of 4.8 out of 5 from 27,220 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’. Find out more

What Defaqto star ratings do Saga insurance policies get?

Saga’s home insurance policy is rated 5 stars by Defaqto.

See our guide to Defaqto

How well is Saga reviewed on Trustpilot?

In February 2024, Saga was rated 4.2 Great, based on 38,243 reviews. Find Saga’s current Trustpilot rating

Frequently asked questions

Can I cancel a policy with Saga?

You can cancel your Saga home insurance by phone at any time. If you cancel within the first 14 days, and your cover has not yet started, you’ll get a full refund. If you cancel after that, you’ll get a refund based on the cover you’ve already had. Saga will charge an admin fee for cancelling your policy unless you have a Saga Plus policy.

Who underwrites policies from Saga?

Saga’s home insurance policies are underwritten by several different insurers. The name of the underwriter will be shown on your policy documents.

Does Saga offer landlord insurance?

Saga offers specialist landlord insurance with buildings cover up to £500,000 and contents cover up to £50,000 as standard.

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