Compare Home Insurance
        The Saga Home Buildings
        And Contents Insurance Policies

Policy Type

As your home is probably your most important and valuable asset, our straightforward buildings insurance policy has been designed to provide your home with comprehensive protection.

Cover includes:-

Full protection when your home is unoccupied for up to 60 days in a row, for example if you go on an extended holiday. You can arrange to extend this depending upon the circumstances (an additional premium may be charged)

• Up to £2,000,000 for your legal liability as owner of the property
• Accidental damage to cables, underground pipes and drains serving your home and for which you are responsible
• Property rebuilding or repair expenses including architects' and surveyors' fees
• The cost of alternative accommodation if you have to move out during repairs, up to 10% of the amount for which you are insured
• The cost of any damage caused should the emergency services have to force entry to your home in a medical emergency
• Protection for fixtures and fittings, such as fitted kitchen units
• Structure and external property, including walls, hedges*, fences*, drives, paths, patios, outbuildings, swimming pools and tennis courts.
  *excludes storm damage against hedges and fences
• To protect an intended new home, we include dual property buildings cover of up to eight weeks as standard, subject to calling Saga first. Cover of more than eight weeks, or over £500,000 will require further information.

Accidental Damage
Upgrade your home buildings insurance to cover against accidental damage. This protects you against the cost of unforeseen damage to your property, for example, if you put a hot pan on a work surface in the kitchen

Saga's contents insurance provides wide cover for your possessions in the event of theft or damage inside your home, garage, shed or outbuilding (which is on permanent foundations).

Cover includes:

• 'New for old' cover as standard, which means that we will replace items that are lost or damaged with brand new ones of equivalent value, if we feel it is not feasible to replace/repair them. This excludes clothing and linen, which can be protected with our Contents Cover Plus policy
• Full cover when your home is left unoccupied for up to 60 days in a row. You can arrange to extend this depending upon the circumstances (an additional premium may be charged)
• Office contents cover of up to £5,000 if you work from home. Wider cover is available with our Homeworker Cover additional option
• Frozen food protection, up to a limit of £500. Increased cover can be provided by Contents Cover Plus.
• Up to £1,000 for guests' possessions if brought into your home during a visit
• Moving home contents cover, if your contents are lost or damaged, having been professionally packed and carried when you move house. Please note: this is only available if you have Saga contents insurance on your existing property
• Christmas and family weddings, when the amount of your cover will automatically be increased by 10%
• During a range of religious festivals your contents cover will be increased by 10% for the month of the festival
• Replacement of external locks if your keys are lost or stolen - maximum value of £250
• Up to £5,000 fatal injury benefit if you or any member of your family are fatally injured in your home due to fire or theft
• Up to 20% of the amount for which you are insured towards the cost of alternative accommodation, if damage for which you are insured makes your home uninhabitable
• Protection of up to £1,000 for garden property, such as sun loungers, patio heaters or barbecues, if they are left out in the open and stolen. Our additional Garden Cover option can provide extra cover for your garden and its contents at an additional charge
• Up to £1,000 for loss of oil or metered water
• Up to £2,000,000 for legal liability as an occupier
• Up to £25 for each day you serve as a juror in a court of law (up to a limit of £1,000)

• Dual contents cover of up to £5,000 when you are about to move into a new home. This is intended to protect specific belongings that you might have already placed in the new property (such as newly laid carpets). This cover is available for one week prior to your move providing you have exchanged contracts.
  
  Saga's contents insurance policies automatically provide cover of up to £50,000 with premiums based upon your individual home and possessions. Higher cover is available if required, at an additional charge.

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