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Contents Insurance

Up to £100,000 contents cover for the over 50s
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Defaqto Expert Rated 5 Star 2014 to 2021

Saga Home Insurance - contents cover

Our 5-Star rated contents cover includes...

  • Choice of £75,000 or £100,000 cover – if you need more than this take a look at Saga TailorMade Home Insurance
  • No need to specify single items worth less than £2,500 such as jewellery and paintings kept at home
  • Up to £1,000 for lock replacement if your keys are lost or stolen (or up to sum insured on our Saga Plus cover level)
  • Optional £10,000 personal belongings cover for unspecified items up to £2,500 when you take them out and about with you anywhere in the world (included as standard with Saga Plus)
  • Personal liability cover up to £2 million anywhere in the world.

Saga Plus - improved contents cover at a price that stays the same for three years

If you choose our Saga Plus contents cover level, expect to pay the same for three years - as long as there are no changes.

You're not tied in with Saga Plus. If you choose this cover level, you can cancel at any time and we won't charge you a cancellation fee.

See the terms and conditions and find out more about our 3-year fixed price cover.


A choice of cover levels

Situation Saga Select Saga Plus
3-year fixed price - as long as there are no changes you can expect to pay the same price for 3 years (T&Cs apply) No Yes
Up to £100,000 cover for your contents Yes Yes
Accidental damage - covers sudden and unexpected damage to the contents in your home that you own, including TV, spectacles, hearing aids, rugs, curtains, carpets, and more Optional Yes
Personal belongings - cover your possessions, such as your mobile phone or tablet, anywhere in the world (single item limit £2,500) Optional Yes
No need to specify single items worth less than £2,500 (such as jewellery and paintings kept at home) Yes Yes
Garden cover - cover for loss of or damage to your plants, lawns, shrubs and garden contents within the property Yes Yes
(Up to £1,000) (Up to £5,000)
Replacement of matching pairs or sets of items - for example, if a friend spills red wine on your sofa, and it can’t be cleaned or replaced to match the chairs, we will replace the whole suite Yes Yes
New for old contents cover -  including clothing and linen Yes Yes
Damage caused by pets - including scratching, tearing, chewing or fouling No Yes
Lock replacements - if your keys are lost or stolen Yes Yes
(Up to £1,000) (Up to sum insured)
Student cover - covers loss of or damage to contents while in temporary student accommodation, such as halls of residence No Yes
Trauma cover - if you make a claim (that's accepted) on this policy we'll pay up to £1,000 for professional counselling fees Yes Yes
Personal liability up to £2 million - for example, while playing golf you accidentally hit someone with the ball and they wish to claim against your personal liability for their injuries Yes Yes

For full details on what is covered by Saga Plus and Saga Select contents please see the Policy Book.

Get a quote

If you require more than £100,000 cover for your contents please call 0800 096 3251 or see Saga TailorMade Home Insurance.