Is Saga a good choice for home insurance?
Saga home insurance is designed exclusively for homeowners aged 50 and over, with Select and Plus offering two levels of cover, but both holding 5-star Defaqto ratings, Defaqto's highest tier. Saga Plus includes accidental damage as standard, trace and access cover up to the buildings sum insured, and a fixed-price renewal guarantee, meaning your premium stays the same the following year as long as your circumstances don't change. Buildings cover goes up to £1 million and contents up to £100,000, both on a new-for-old basis.
What types of home insurance can I get with Saga
Saga offers buildings and contents insurance, which can be bought under a combined policy, with three different levels of cover, Saga Select, Saga Plus and Saga.
Benefits | Saga Select | Saga Plus |
Buildings cover | Up to £1m | Up to £1m |
Contents cover | Up to £100,000 | Up to £100,000 |
Alternative accommodation | Up to £100,000 | Up to buildings sum insured |
24-7 Helpline | ||
Trace and access | Up to £5,000 | |
Home emergency cover | Optional | Optional |
Family legal protection | Optional | Optional |
Accidental damage cover | Optional | |
Bicycle cover | £500 per bike | £1,000 per bike |
Cover away from home | Optional | £10,000 per event/ £2,500 single item limit |
Can I cancel my Saga home insurance and switch providers?
With Saga you can cancel your home insurance policy at any time. However, you may have to pay a fee depending on when your policy renews.
If your policy is due for renewal and you want to switch providers, you’ll need to call Saga on 0800 056 9102 to inform them before your renewal date. If you’ve just taken out a policy and want to cancel within 14 days of the start of the new policy, or 14 days of receiving your documents (whichever is greater) you’ll get a refund of premiums paid and won’t have to pay a fee.
Should you want to cancel your policy because it has auto renewed at a more expensive premium, and after the 14 day deadline, Saga will return what you have paid, minus an administration fee of £35, as long as you haven’t made a claim. Saga Plus customers will not a pay a fee.
What add-ons can I get with Saga?
Saga offers buildings and contents insurance which can be combined. Its Saga Select and Saga Plus policies include the following add-ons:
-
Accidental damage cover
For unexpected accidents in your home
-
Personal belongings cover
Away from home for items you wear or carry
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Trace and access
Trace and accessing repairs of leaking pipes
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Matching set replacement
For jewellery or furniture
How do I contact Saga?
You can contact Saga Home Insurance’s customer service by phone on 0800 068 3410.
New customers can call 0330 094 6045 for assistance with a quote, and for renewals call Saga on 0800 068 1974.
If you’d prefer to contact Saga by post:
3 Pancras Square
London
United Kingdom
N1C 4AG
Who underwrites Saga home insurance?
Saga insurance is owned by the Saga Group, Saga’s home insurance policies are underwritten by several different insurers who all meet its high standards of quality and services.
Can I pay Saga home insurance in monthly instalments?
You can pay your premium in instalments if you’re over 18, subject to eligibility.
What do Defaqto star ratings mean?
Defaqto star ratings assess a product's quality. They range from 1 Star to 5 Stars – which is considered an excellent product.
Do Saga cover subsidence?
Yes, up to the Buildings Sum Insured. Additional terms or requirements may apply if your property has suffered from subsidence in the past.
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Reviewed on 13 May 2026 by
