Saga home insurance overview
For over 65 years Saga has provided a range of products and services to over-50s in the UK.
Since 1980 it has offered home insurance and car insurance and a decade later introduced pet insurance and private health insurance into the mix.
Saga insurance is owned by the Saga Group and its home insurance is underwritten by a panel of Ageas, Integra, AXA, Pen (Polaris), Prestige, Covea, Fairmead, RSA, Lloyds, Zenith, AICL and GEO.
- Read our reviews of all the insurers who took part in our home insurance analysis
Does Saga offer the best home insurance?
Here's how Saga scored in our latest home insurance survey:

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
Saga’s Home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
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.
In detail: every part of Saga's Home insurance rated
Table last updated in March 2020. Next update in February 2021.
Does Saga offer different levels of home insurance cover?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
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?
As well as looking at how Saga's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How Saga's home insurance scored for seven elements of customer satisfaction
Table last updated in March 2020. Next update in February 2021.
"-' represents where we have insufficient sample size (less than 30) to generate a star rating
What is Saga's claims number?
If you need to make a claim with Saga home insurance refer to your policy documents or call 0800 092 1426 in an emergency.
Saga advises that you check your home insurance policy before calling to make sure that you're covered. When you call up Saga they'll ask for details about your claim, including, how it happened and how much you're claiming for.
Find out more about claiming successfully in our guide to making a home insurance claim.
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