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Saga home insurance review

Read Which?'s expert review of Saga's home insurance policies and find out how it compares with dozens of other home insurance companies

In this article
What does Saga Home insurance cover? Does Saga offer the best home insurance? Saga’s Home insurance policy: is it good or bad? Does Saga offer different levels of home insurance cover?
How did customers rate Saga's home insurance? Where can you buy Saga home insurance? What is the Saga home insurance claims number? Get top money-saving tips from Which?

For more than 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, AICL, AXA, Covea, Fairmead, Integra, Lloyds, Pen (Polaris), Prestige, RSA and Zenith.

Saga offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
Saga Home Standard £1,000,000 £100,000
Saga Essential Essentials £1,000,000 £100,000

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does Saga Home insurance cover?

The information below gives an at-a-glance view of the key areas that Saga's Home insurance covers as standard. Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Accidental damage

Covers accidental damage to personal belongings, fixtures and fittings

 

Burst pipes

 

Covers the cost of repairing burst pipes in the property

 

Key cover

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

 

£ Home emergency

 

Covers call-outs and temporary repairs resulting from a home emergency

 

£ Personal possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home

 

£ Boiler cover

 

Covers the failure of a boiler or central heating system

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes

Does Saga offer the best home insurance?

Here's how Saga scored in our latest home insurance survey:

Home And Mobile Insurance
Saga review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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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 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 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 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

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2021. Next update in March 2022.

Does Saga offer different levels of home insurance cover?

Saga also offers a lower level of cover through its Essential policy. Log in to read out how we rated it.

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 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

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2021. Next update in March 2022.

A '-' represents where we have insufficient sample size (less than 30) to generate a star rating

Where can you buy Saga home insurance?

Saga home insurance can be purchased online and over the phone.

Saga's standard Home Insurance policy can only be purchased direct from Saga, whereas its Essential policy is also available via comparison sites.

What is the Saga home insurance 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 it will 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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