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17 Sept 2026

Saga home insurance review

Saga Plus offers the highest-scoring buildings cover

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

Blue text spelling "SAGA" in a bold, modern font with distinct letter shapes.

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Dive into the detail with our expert reviews

We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does Saga offer the best home insurance?
What does Saga home insurance cover?
‘Saga's Plus policy was a standout on paper, but isn't a Best Buy’
How good is Saga at handling claims?
How can you save money on Saga home insurance?
How does Saga compare with other providers?
Saga home insurance: how can you claim?
Should you buy Saga home insurance?

Saga has provided a range of products and services to over-50s for 75 years. We've reviewed its two home insurance policies – its standard Saga Select policy and Saga Plus.

You can only buy the Plus policy direct from Saga. Price comparison websites include Saga Select. Alongside home insurance, you can also buy Saga car insurance, private health insurance and travel cover.

Following a recent new partnership with Ageas UK, all Saga's home insurance policies are now underwritten by Ageas.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does Saga offer the best home insurance?

Saga

Saga Plus offers the highest-scoring buildings cover in our analysis.

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Policies

Plus (buildings)79%
Plus (contents)76%
Select (buildings)77%
Select (contents)66%

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Saga home insurance cover?

We reviewed two Saga policies. Select a policy from our table to see what it offers and what we scored it.

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Saga Plus

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Buildings - Alternative accommodation	£1,000,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£400
Home emergency cover limit	£2,000
Home emergency - central heating/boiler repair	£2,000
Buildings - Groundwater flooding	Not covered	0 out of 5
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£2,500
Contents - Alternative accommodation	£100,000
Contents - Accidental damage	Full cover included
Contents - Guests' belongings	£2,000
Contents - Theft of contents in the open	£5,000
Contents - Damage to contents in the open	£5,000
Contents - Theft from outbuilding	Up to sum insured
Contents - Damage to contents in an outbuilding	Up to sum insured
Contents - Personal possessions cover single item limit	£2,500

Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.

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‘Saga's Plus policy was a standout on paper, but isn't a Best Buy’

Dean Sobers, Which? home insurance expert, says:

Saga's premium Plus policy ranked first for buildings cover and was in the top 10 for contents cover, with scores of 79% and 76%, respectively.

Although we were impressed by its policies, Saga’s complaints record meant we couldn’t make it a Best Buy.

The policy's highlights include uncapped trace and access cover (within the policy's overall sum insured limit). This pays for work to uncover the cause of a problem (such as a leak) in or under your home. The policy also covers cash and credit cards lost or stolen from your home up to £1,000.

We also liked that its contents cover extends to carers’ belongings as well as the policyholder’s, but it only offers £250 (per carer) for this. It also won’t cover damage caused by domestic pets, which a few policies we looked at will.

Fixed-price promise

Saga's Plus policy includes its signature two-year fixed-price promise. As the name suggests, it means Saga won’t raise your price for two years, provided:

You’ve not made changes to your policy
You’ve not claimed on the accidental damage, accidental loss or personal belongings sections of your cover
The rate of Insurance Premium Tax hasn’t changed
The VAT rate for the Annual Boiler Service hasn't changed.

You aren't bound to stay with Saga during that period if you find a better price in the interim. However, this goes both ways. Its T&Cs say that in certain circumstances during this period, if your risk significantly changes from the perspective of its underwriters, it won’t necessarily renew your cover.

Saga Select

Its standard Saga Select policy offers less comprehensive cover, but is more flexible, featuring optional add-ons such as personal belongings and accidental damage cover, which are included as standard in the Plus policy. It also comes without the fixed-price promise.

Saga Select ranked in the top five buildings policies – scoring 77% – but its contents cover was less impressive. It scored 66% (close to the average of 67%).

How good is Saga at handling claims?

Saga's underwriter, Ageas Insurance Limited, accepted 65% to 70% of claims on buildings-only policies – slightly above the industry average of 63%. Some 15% to 20% of claimants on these policies lodged a complaint, which was just above average (13%).

Meanwhile, the underwriter accepted 80% to 85% of claims on contents-only policies – a good bit above the average of 71%. Some 5% to 10% of claimants complained, which is in line with the 7% average.

When it came to claims on combined policies, the underwriter accepted 75% to 80% of claims – above the 71% average. Some 10% to 15% of claimants complained, which is also in line with the 12% industry average.

How can you save money on Saga home insurance?

Saga's prices vary depending on whether you buy policies online, by phone or via a comparison website. It's worth checking all three to make sure you're getting the best deal.

Saga's premium 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.

You may be able to get a discount if you buy buildings and contents insurance together.

Want to pay monthly? Saga charges 19.9% APR, so you may be better off paying annually on an interest-free credit card.

The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit Saga directly to find out more about its home insurance policy.

How does Saga compare with other providers?

While we did not have enough customer feedback to calculate a claims or customer satisfaction score for Saga, its standard Saga Select buildings policy scored 77% and ranks first in our standard buildings cover table. This puts it slightly ahead of standard cover from Aviva and NFU Mutual (which both scored 75%).

When it came to contents insurance, its standard Saga Select policy scored 66%, sitting in joint-18th place among standard policies. Its 66% policy score matches the standard contents policy from More Than.

Saga home insurance: how can you 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.

Call 0800 092 1426 in a home emergency.

For guidance on the claims process, visit the Saga website.

Find out more: is it worth claiming on your home insurance?

Should you buy Saga home insurance?

Maybe – it didn’t quite pass all our tests when it came to customer service, but was a high performer in our analysis of cover.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).