Accidental damage
Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet.
Saga Select: Optional add-on
Saga Plus: Included
Saga home insurance
Compare Saga home insurance quotes.
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How good is Saga home insurance?
Saga specialises in insurance for people aged 50 and over - it scored 4.1 out of 5 on Trustpilot from around 44,000 reviews.
Saga Select and Saga Plus are both rated five stars by Defaqto, with buildings, contents or combined cover available. Both policies offer new for old cover, a single-item value limit of £2,500 and 60 days of unoccupied home cover.
Saga’s current underwriter, Ageas, accepted 65-70%[2] of buildings-only claims and 75-80%[2] of contents-only claims in 2024. These are insurer-wide figures, rather than results for Saga customers alone.
Is Saga home insurance highly rated?
Saga's contents and buildings policies (Saga Select and Saga Plus) receive the maximum five-star Defaqto rating for features and benefits. Defaqto is a leading independent reviewer of financial products.
Does Saga offer contents insurance?
Yes, Saga offers contents insurance on its own or alongside buildings cover, with two levels to choose from - Saga Select and Saga Plus. Both provide up to £100,000 of contents cover on a new-for-old basis, and you won’t need to list individual belongings kept at home unless they’re worth £2,500 or more.
Saga Plus includes accidental damage and worldwide personal belongings cover as standard, protecting items away from home for up to £10,000 per incident. Both can be added to Saga Select for an extra cost, while optional home emergency and legal expenses cover are also available.
What will a Saga home insurance policy cover me for?
All Saga contents and buildings home insurance policies include some cover for damage and loss caused by the following events:
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Theft and attempted theft
Stolen items and break-in damage
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Fire
Fire, smoke, lightning and explosion damage
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Escape of water
Leaks from pipes, tanks and appliances
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Storms and floods
Wind, rain, snow and flood damage
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Liability cover
If you are responsible for a third party injury or property damage
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Trace and Access
Finding the cause of escaped water and fixing resulting damage
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Locks and keys
Replacement locks for lost or stolen keys
What extras can I add to my Saga home insurance?
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Personal possessions
Protects individual belongings like laptops, phones, or jewellery when you take them outside your home.
Saga Select: Optional add-on
Saga Plus: Included
What is included in Saga Plus home insurance?
Saga Plus includes up to £1 million of buildings cover and £100,000 of contents protection, with damaged or stolen belongings replaced on a new-for-old basis. It also covers homes left unoccupied for up to 60 days, subject to the policy terms.
Unlike Saga Select, Plus includes extended accidental damage and worldwide personal belongings cover as standard. Personal possessions are covered for up to £10,000 per incident, with a £2,500 single-item limit, while bicycles are protected for up to £1,000 in the UK, Isle of Man and Europe for trips lasting up to 60 days.
Saga Plus also includes matching sets cover, while trace and access protection extends up to the buildings sum insured rather than the £5,000 offered by Select. Its price is fixed for two years if nothing changes, although home emergency and legal expenses cover remain optional extras.
Is Saga Plus home insurance worth it?
Saga Plus may be worth considering if you want accidental damage and worldwide belongings cover without adding them separately. It could be particularly useful if you regularly travel with valuable possessions, or own matching furniture, kitchen units or bathroom fittings that may be difficult to replace individually.
The two-year fixed price may also provide some certainty at renewal, although it only applies when the details affecting your policy remain unchanged. The real value of this will depend on the difference between the Plus and Select premiums, rather than the number of features alone.
However, Plus doesn’t include every enhanced benefit automatically - home emergency and legal expenses still cost extra. It’s worth comparing the Plus premium with the price of Saga Select plus only the add-ons you need, as the cheaper policy may offer better value if you don’t require broad accidental damage or away-from-home protection.
Is Saga the best company to insure my home with?
Which home insurer is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Saga home insurance to help you make your decision:
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Pros of Saga home insurance
Saga Plus received an 82%[4] contents policy score from Which?, ranking first among the 35 standard policies assessed
Saga Plus fixes the price for two years, provided there are no relevant changes to the policy or customer’s circumstances
Saga Plus provides alternative accommodation cover up to the buildings or contents sum insured, while contents in garages and outbuildings can be covered up to the overall contents limit
Ageas accepted 75-80%[2] of its combined home and contents-only claims in 2024
Saga Plus includes trace-and-access protection up to the overall buildings limit, while cancelling the policy doesn’t carry a cancellation fee
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Cons of Saga home insurance
Saga received a customer score of 56%[4] from Which?, while its claims score was also relatively weak at 51%[4], ranking 22nd out of the 24 brands assessed
Ageas accepted 65-70%[2] of buildings-only claims in 2024
Saga Plus doesn’t cover groundwater flooding, whether the water level rises gradually or builds up rapidly
Which? recorded a £400 escape-of-water excess and a £1,000 subsidence excess on Saga Plus, so some common buildings claims could require a sizeable contribution
How does Saga home insurance compare to other home insurance policies?
Data below is for standard combined buildings and contents home insurance policies. Ratings and inclusions may be different for individual policy types and for higher-tier policies with more features and inclusions.
Saga Select | Admiral Standard | Esure | Aviva | |
|---|---|---|---|---|
Defaqto Rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating[5] | 51%[4] | 68%[6] | N/A | 70%[4] |
Claims payout rate[2] | 75-80%[2] | 50-55%[2] | 55-60%[2] | 70-75%[2] |
Single item limit | £2,500 | £2,000 | £1,499 | £2,000 |
Office equipment covered? | Yes | Yes | Yes | Yes |
Administration fees | No fee to change policy £35 to cancel | £25 to change policy £39.50 to cancel | £20 to change policy £58 to cancel | £0 to change policy online £29 to cancel |
Further information |
How do I contact Saga?
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Online Portal
You can use the online portal to:
Make changes to your policy
View policy documents
Change payment details
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By Phone
The customer service number is: 0800 001 5898
The renewals line is: 0800 068 1974 or 01303 757 321
Opening hours: Mon-Fri: 8:30am-8:00pm, Sat: 8:30am-5:00pm, Sun: 9:00am-5:00pm and Bank Holidays: 8:30am-8:00pm
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Live chat
You can also contact the customer support team at Saga via live chat, available on its website.
How do I make a home insurance claim with Saga?
If you need to make a claim on your Saga home insurance policy, contact Saga as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), and evidence of the damage. This could include photos, videos, receipts, repair estimates or, if a crime was involved, a crime reference number from the police.
Saga claims line:
0345 300 8800
Lines are open 24 hours a day, 7 days a week.
You can also make a claim online on your account portal.
How do I cancel my Saga home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your Saga home insurance online or you can call them.
The number is 0800 001 5898
I'm coming up for renewal
You can tell Saga at any point up until your renewal date that you do not wish to renew your policy.
There is no charge for not renewing.
I've just taken out a policy
If you cancel your Saga home insurance within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Saga will not charge a cancellation fee if you cancel within the first 14 days of your policy.
If you wish to cancel your policy at any time later than 14 days after it has started, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Saga will charge you a £35 admin fee if you have a Saga Select policy, which will be taken out of your refund. Saga will not charge an admin fee if you have a Saga Plus policy.
My policy has auto-renewed
If you cancel your Admiral home insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Saga will not charge a cancellation fee if you cancel within the first 14 days of your policy.
If you wish to cancel your policy at any time later than 14 days after it has auto-renewed, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Saga will charge you a £35 admin fee if you have a Saga Select policy, which will be taken out of your refund. Saga will not charge an admin fee if you have a Saga Plus policy.
What other insurance does Saga sell?
Alongside home insurance, Saga offers a number of other insurance and money products:
Who underwrites Saga home insurance?
Saga Home Insurance is arranged and administered by Ageas Retail Limited and underwritten by Ageas Insurance Limited.
Can I pay Saga home insurance in monthly instalments?
Yes, you can pay annually by credit or debit card, or spread the cost through monthly Direct Debit payments. Paying monthly includes a charge for credit, and missing an instalment could leave you without cover from the date the payment was due.
Does Saga home insurance cover subsidence?
Yes, buildings cover includes damage caused by subsidence or ground heave beneath the home, as well as landslip. Features such as patios, drives, garden walls, gates and fences are generally only covered when the main home is damaged by the same incident.
Exclusions include coastal or river erosion, normal settlement and some damage connected with structural alterations or defective workmanship.
Does Saga home insurance cover home emergencies and boiler breakdowns?
Home emergency protection is available as an optional extra, with two levels to choose from. Saga Home Emergency covers problems such as plumbing, drainage, internal electrics, security, roof damage and pest infestations, while Home & Heating Emergency also includes complete boiler breakdown.
Both provide unlimited callouts and up to £2,000 for each accepted claim, including labour, parts and materials. An annual boiler service can also be added, but routine maintenance, gradual deterioration and pre-existing faults aren’t covered.
Does Saga home insurance cover belongings away from home?
Saga Plus includes worldwide personal belongings cover as standard, while Saga Select customers can add it for an extra cost. You can choose £2,500, £5,000 or £10,000 of cover per incident, with a £2,500 single-item limit.
Bicycles are covered up to £1,000 within the UK, Isle of Man and Europe for trips lasting up to 60 days. Security requirements and other exclusions apply, particularly for items left unattended.
Does Saga home insurance cover gardens and outbuildings?
Yes, garages and permanent domestic outbuildings can form part of the insured property. Saga Plus also includes up to £5,000 of garden cover for belongings and features such as plants, trees, garden furniture, play equipment and barbecues.
Temporary or moveable structures may be treated as garden contents rather than outbuildings, while limits and exclusions apply to theft, storm damage and subsidence. Check your Statement of Fact for the cover provided by your individual policy.
What is the Saga home insurance excess?
Saga doesn’t have one fixed excess for every customer. Your Statement of Fact lists the amounts that apply, which may include:
A buildings excess
A contents excess
A separate escape-of-water excess
A different excess for certain claim types
Any voluntary excess you selected
If the same incident leads to claims under both buildings and contents cover, Saga deducts an excess for each section.
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Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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Our comparison service is, and will always be, free to use.
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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
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No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
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Is home insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy home insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is home insurance eligible for Price Promise?
Yes, home insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 16 Sep 2026 by
Sources and supporting information
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[1]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[2]
Source: Financial Conduct Authority (FCA), 2025. 'General insurance value measures data 2024' https://www.fca.org.uk/data/general-insurance-value-measures-data-2024#revisions
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[3]
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Saga may have different ratings. Data from the Defaqto website. Data from June 2026.
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[4]
Source: Which?, 2025, Best UK home insurance policies and providers compared?, https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ
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[5]
The independent review site Which? has created claims scores for 35 leading home insurers based on interviews with 2,804 members of the public who had made an insurance claim in the last two years. Claim scores are based on how satisfied these claimants were with their provider and how likely they would be to recommend them in the future. You can see more on the Which? website: https://www.which.co.uk/money/insurance/home-and-mobile-insurance
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[6]
Source: Which?, 2025, 'Admiral home insurance review' https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/admiral-home-insurance-review-aCVeo7y8isas
