Saga Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Saga is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Saga home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Saga the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Saga’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,6 Safe overall rating for Saga

Safe ratingOur opinion
Customer service & satisfaction
and claims

Over 50 insurance specialist provider
Very easy to access information on website
Detailed FAQ and contact sections

Cover provided for your home

Accidental damage included as standard: damage made by pets included, mobile phone and bicycle covered
High limit amounts for standard excess of £100
Storm fences cover available as extra
3 levels of cover: Essential, Home and Tailormade, all rated 5 stars by Defaqto
Maximum sum insured for building insurance of £1M only

Value for money

Interest rates on monthly installments reasonable
Saga pays switching fees up to £100
Renewal fees of £25 and adjustment fees of £14,5

Financial strength

High, underwritten by Lloyds Bank General Insurance Limited


Quote process 100% online
MySage customer portal to manage policy online
Livechat available

Safe rating for Saga home insurance

Expert and customer satisfaction reviews for Saga home insurance

Review organisationSaga home insurance reviews

Defaqto expert

Essential: 5 stars
Home: 5 stars
Tailormarde: 5 stars

Trustpilot4,5/5 based on 11 076 customers reviews
Overall Which? Score


Consumer satisfaction rates on reviews for Saga home insurance

Our general opinion on Saga home insurance

Saga was founded in 1980 and is a very trustworthy company specialized in providing insurance products for over 50 years old. Along with home insurance, the company provides car, travel, pet and health cover. Home insurance is underwritten by famous insurers such as Lloyds Bank, AXA, Ageas, Zenith, Pen Polaris, Prestige, Covea etc.

The company is highly rated by both expert reviews (Defaqto and Which) and customers reviews and even ranked among the most popular home insurance on the market.

For standard building insurance, Saga offers top alternative accommodation, unoccupancy period, owner’s liability and keys cover.
Standard Contents insurance also provides great cover for most contents, including those in the open and outbuildings.

The Essential home insurance at Saga still ranked well but accidental damage will for instance be available only as optional extra. Same for personal possessions cover.

The website is very well documented and information is easy to access. Saga also offers competitive prices. In overall, we do recommend this company.

What does Saga home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Saga will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Saga covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Saga buildings and contents insurance

Saga provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Saga building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

Up to £1M

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

Up to £1M

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Available as extra


As standard

Underground services

As standard

Keys cover

Up to £1M

Flood and storm damage (except for fences)

As standard

Saga building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£100 000

Owner liability

£2 000 000

Alternative emergency accomodation

Up to £100 000

Period of home’s unoccupancy cover

60 days

Damage made by pets


Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

Up to £100 000

Thefts from outbuildings

Up to £100 000

Single item limit for valuables

£2 500

Items temporarily removed from home

£10 000

Money in and outside the homeInside:




Credit cards in and outside the homeInside:




Business equipment kept at home

£5 000

Student equipment

Not covered

Keys cover

Up to £1M

Saga contents insurance

Saga home insurance additional cover

On top of your Saga buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Included as standard (not in Essential level of cover)

Home emergency
  • Optional extra
  • Up to £2000 per call out
  • Up to £450 and 3 nights for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £2000 for boiler repair
  • Up to £250 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees for you and your family
Personal possessions
  • Included as standard (not in Essential level of cover)
  • Up to £10 000 for personal possessions cover at home, varies for personal possessions away from home (depends on the underwriter)
  • Up to £10 000 limit for personal possessions kept in a car
Mobile cover
  • Included as standard
  • Up to £2500 limit
Bicycle cover
  • Included as standard
  • £5000 limit

Saga home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claims£150
Excess for subsidence claims£1 000
Excess for personal possessions£50
Excess for keys£100
Saga home insurance main excess

Saga home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Saga fees are as follows:

Fees applied to manage your Sagahouse policy
Interests on payment installments22,90%
To renew my policy£25
To adjust my policy£14,5
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£35
For payment default£0
To switch from one insurer to Saga£100
Home insurance fees at Saga

How much does Saga home insurance cost?

You will below indicative quotes for building and contents insurance at Saga:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Saga

It is very difficult to give a precise range of how much exactly will your home insurance cost at Saga as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Saga will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Saga home insurance discounts available

No discount available.

How do I a claim on Saga home insurance?

You should check first on your Saga home insurance policy schedule and check whether you are covered or not. If you are covered, you will find in your policy documents the right phone number to call to claim on your home insurance. Note that all Saga claims lines are opened 365 days per year, 24 hours a day, UK-based. The claim process is very straightforward.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Saga home insurance?
Claim by phone

Check on your policy schedule to get the right number.

How to claim on my home insurance at Saga

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Saga house insurance?

To cancel your Saga house insurance, here is what you need to know: 

Cancelling your home insurance at Saga
Cancellation notice if Saga cancel your policy7 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £35
Cancel by phone

0800 056 9102

How to cancel my Saga home insurance

How to contact Saga home insurance?

ServicesPhone numbersOpening hours

0330 094 6098

Mon – Fri: 8:30am – 8pm
Sat: 9am – 5pm
Bank holidays: 8:30am – 8pm


0330 094 6102
or 01303 757 330

Mon – Fri: 8:30am – 8pm
Sat: 9am – 5pm
Sun: 9am – 9pm
Bank holidays 8:30am – 8pm

Existing customers

0330 094 6103
or 01303 757 331

Mon – Fri: 8:30am – 8pm
Sat: 9am – 5pm
Sun: 9am – 9pm
Bank holidays 8:30am – 8pm


Refer to your policy documents for the right phone number

How to contact Saga home insurance

Saga home insurance contact details

Saga contact details
Saga address

Saga plc
Enbrook Park
Kent, CT20 3SE
01303 77111

Customer service email

Contact us form available online

Chatbot available


Saga contact details

How do I log in to Saga customer portal?

You can log in to your customer portal MySaga. This allows you to manage your policy online:

  • see your documents
  • claim etc.

How do I get Saga home insurance quotes? 

To get a quote online at Saga, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Saga is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Saga home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Saga house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.