Buildings Insurance cover
As your home is probably your most important and valuable asset, our straightforward buildings insurance policy has been designed to provide your home with comprehensive protection.
Cover includes
- Full protection when your home is unoccupied for up to 60 days in a row, for example if you go on an extended holiday. You can arrange to extend this depending upon the circumstances (an additional premium may be charged)
- Up to £2,000,000 for your legal liability as owner of the property
- Accidental damage cover for fixed glass in windows, and for cables, underground pipes and tanks serving your home for which you are responsible
- Property rebuilding or repair expenses including architects’ and surveyors’ fees
- The cost of alternative accommodation if you have to move out during repairs, up to 20% of the amount for which you are insured. (Up to sum insured with our Cover Plus policy.)
- Protection for fixtures and fittings, such as fitted kitchen units
- A defined list of causes, including fire, storm, subsidence, flood and theft. Walls, fences, drives, paths, patios, outbuildings, swimming pools and tennis courts are included, subject to policy terms and conditions, with the exception of storm or flood damage to fences, hedges and gates.
Extended Accidential Damage
Upgrade your home buildings insurance to cover against extended accidental damage. This protects you against the cost of unforeseen damage to your property, for example, if you put a hot pan on a work surface in the kitchen.
There is no need to calculate the cost of rebuilding your home
With Saga buildings insurance your home is covered for rebuilding costs of up to £500,000. This includes the clearing of land, and architects’ and surveyors’ fees if required. However this amount can be increased at an additional cost (although not available online). If this is the case then you may have to calculate the cost of rebuilding your home, but it means that you will be fully protected for any insured event.
Contents Insurance cover
Saga’s contents insurance provides a wide range of cover for your possessions up to the value of £50,000. Premiums are based upon your individual home and possessions. Higher cover is available at an additional charge.
- ‘New for old’ cover as standard: we will replace items that are lost or damaged with new ones of equivalent value, if it is not feasible to replace/repair them. Excluding clothing and linen, which can be protected with our Contents Cover Plus policy.
- Full cover when your home is unoccupied for up to (60 days in a row. An additional premium may be charged).
- Office contents cover up to £5,000 if you work from home.
- Frozen food protection, up to a limit of £500. Increased cover can be provided by Contents Cover Plus.
- Up to £250 per person for guests’ possessions brought into your home during a visit.
- During religious festivals, including Christmas, your contents cover will be increased by 10% for the month of the festival.
- Replacement of external locks if your keys are lost or stolen – maximum value of £250.
- Up to £5,000 fatal injury benefit if you are fatally injured in your home due to fire or theft.
- The cost of alternative accommodation if you have to move out during repairs, up to 20% of the amount for which you are insured. (Up to sum insured with our Cover Plus policy.) See our Policy booklets section for more details.
- Up to £1,000 for loss of oil or metered water.
- Up to £2,000,000 for legal liability as an occupier.
