By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.

Saga home insurance review

Read Which?'s expert review of Saga's home insurance. Find out how we rate Saga's home insurance policy against 32 other providers
Dean SobersSenior researcher & writer
Saga review

Compare home insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

Get a quote

In this article

What does Saga offer?

Saga has provided a range of products and services to over-50s in the UK for more than 70 years.

Alongside home insurance, you can also buy Saga car insurance, health insurance and travel cover.

Its home insurance is underwritten by a panel of Acromas, Ageas, Lloyds Bank General Insurance, Prestige Underwriting Services Limited (on behalf of Aviva).

We've reviewed its two home insurance policies, Saga Plus (its standard policy) and Saga Select.

To get a quote, visit Saga home insurance.

Does Saga offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews. 

If you're not already a member, join Which? and get full access to these results and all our reviews.

How good are Saga's home insurance policies?

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

How did customers rate Saga's home insurance?

Members can log in to see these scores. If you're not already a member, join Which? and get full access to these results and all our reviews.

Check you're getting a great deal and search for a new home insurance policy using the service provided by Confused.com. Get a quote now

How can you save money on Saga's home insurance?

Saga's prices for its insurance policies vary depending on whether they're bought online, by phone or via comparison websites. It's worth checking all three to make sure you're getting the best deal. 

If you call Saga, consider trying these tips to haggle the premium down. 

Saga's Plus policy is only available directly from Saga. Its Select policy can be found on the following price comparison websites:

  • Compare the Market
  • Confused.com
  • GoCompare
  • MoneySuperMarket

It's cheaper to buy online (and on Select through comparison websites) than by phone.

For other ways to save money on home insurance, see our guide.

How can I claim?

If you need to make a claim with Saga home insurance, refer to your policy documents for the phone number relevant to your policy or call 0800 092 1426 in a home emergency. 

For Saga's guidance on the claims process, visit its website.

Saga FAQs

Is Saga home insurance any good?

Saga's Plus policy had a lot to commend it in our analysis, specifically when it comes to its contents cover, where it was a Best Buy.

Does Saga Home Insurance cover mobile phones?

Saga's Plus policy comes with personal possessions cover included as standard, which covers mobile phones up to £2,500. With the Select policy you can add this cover in as an optional extra.

How do I contact Saga Insurance?

To get a quote as a new customer, call 0800 302 9735.

Renewing customers can call on 0800 056 9085.

If you have a query as an existing customer, call 0800 056 9102.

You can find further guidance on contacting Saga on its website, or get a quote for Saga home insurance.

Find out how Saga rates for other products

Compare home insurance

Find the right policy for your home using the service provided by Confused.com

Get a quote now

Home insurance reviews

About Us

Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665  and is an Introducer Appointed Representative (FRN 610689) of the following:


1. Inspop.com Ltd for the introduction of non-investment motor, home, travel and pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd. 


2. LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts.  LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.


3. HUB Financial Solutions, for the introduction of equity release advice and an annuity comparison service, who are authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide advice and guidance on financial products for those who have retired or are approaching retirement (FCA Firm Reference Number: 455713). HUB Financial Solutions is registered in England and Wales to Enterprise House, Bancroft Road, Reigate, Surrey RH12 7RP, company number 05125701.


4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.


Other financial services:

Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.


We do not make, nor do we seek to make, any recommendations or personalised advice on financial products or services that are regulated by the FCA, as we’re not regulated or authorised by the FCA to advise you in this way. In some cases, however, we have included links to regulated brands or providers with whom we have a commercial relationship and, if you choose to, you can buy a product from our commercial partners. 


If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Please note that a link alone does not constitute an endorsement by Which?.