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 |
- Read our reviews of all the insurers who took part in our home insurance analysis
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:

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
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
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.
- Find out more: how to get cheap home insurance
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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