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Saga: Home insurance reviews

Name: Home insurance
Rating: 4.8 (2682 reviews)

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4.66

Based on 2,682 reviews, last reviewed 1st Sep 2025

4000% increase in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Straightforward application form and trustworthy com... Straightforward application form and trustworthy company..... Reviewed on: 1st September 2025

Latest lowest rating:

1

7 years loyalty results in 97% premium increase Annual renewal premium suddenly jumped up by 97% despite no changes in my circumstances or risk. Reviewed on: 22nd August 2025

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About this product

Saga provide home insurance policies that can cover buildings only, contents only or both combined.

Saga offers two levels of cover, Saga Plus and Saga Select. With Saga Plus, you can expect to pay the same price for 3 years if there are no changes, even after most types of claim. If you cancel during the year, you won't be charged a cancellation fee.

Saga home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Saga before, you can also leave a review and share your experience.

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Saga Home insurance reviews (2682)

It is a real person not a chatbot.

It takes a while to get through but it is a real person you talk to. Reviewed on: 9th August 2025

Peace of mind

Love the three years at the same price Reviewed on: 9th August 2025

I am appalled by the renewal quote.

I am appalled by the renewal quote. I have been with Saga for 9 years home insurance - no claims. They quoted nearly 3 times as much for next year. I have car insurance with them and travel insurance. Will leave them : probably on all 3!! Reviewed on: 8th August 2025

Home insurance is excellent value

Home insurance is excellent value, staff are very helpful. Reviewed on: 8th August 2025

IHelpful ...

I had a roof problem, which was not covered by my policy, nevertheless a surveyor as sent who explained the problem, which was very helpful. Reviewed on: 5th August 2025

Avoid like the plague.

If I could have left a zero star rating I would have, and it would still be too high. I genuinely wish I had read these reviews before I took out my policy, but rest assured that it will not be being renewed. Customer 'service' is beyond abysmal. I rang to query a claim I had made (SAGA contrived a ridiculous reason for not paying out) and was told they'd transfer me to a 'manager'. I was then transferred to another line and greeted with "Hello, you're through to Churchill Home Insurance". I explained to the equally confused lady on the other end of the phone that I'd been ringing SAGA and had no idea why I'd been put through to her. Her response - "That doesn't surprise me in the slightest, they're useless". My home insurance claim was for a damaged ceiling due to heavy rain and a leaking roof. I explained that a portion of the ceiling on my staircase had fallen in, that my husband has very limited mobility and health problems due to a stroke and that I was concerned that whole ceiling would collapse. The completely disinterested drone on the other end of the phone informed me that it 'hadn't rained enough in your area' for them to consider the claim!! I asked what I was paying insurance for if I wasn't covered for something like that, she told me that I 'must have known' that the roof was leaking previously (???) and that it was therefore not storm damage (I didn't mention storm damage at any point). I asked what she suggested I do and she said "Probably hire a plasterer". I gave her a very colourful response and hung up. I later rang the emergency line and explained the situation. I was told that someone would come out in the next 24 hours to repair the roof but I wasn't covered for the ceiling because "your home is still habitable and therefore it isn't an emergency"!!! Roofer turned up a week later. Out of sheer frustration I rang the emergency line a week later and again mentioned the ceiling. The man on the phone told me that as it had happened the previous week that it wasn't an emergency and I'd have to make a new claim. I did, and was told it hadn't rained enough. These people will take your money and then do ANYTHING they can to avoid offering anything remotely like a fair service. This company is featured on the website of my union, I have contacted my union rep and told him about the diabolical service they offer, he said I'm not the first person to say that and that they will not be recommending the service in the future. Dreadful. Reviewed on: 4th August 2025

I have not made a claim so far, so canno

I have not made a claim so far, so cannot make an informed decision. Reviewed on: 3rd August 2025

1st class friendly professional service.

Excellent service when we had a flood on the property and the representative was very helpful and knowledgeable for our claim. Reviewed on: 2nd August 2025

Good prices very efficient service

Good prices very efficient service Reviewed on: 2nd August 2025

My experience dealing with Saga

I have been with Saga for a number of years and have found them to be reliable and dependable. On the odd occasion when I have needed to contact them, I've found the experience to be without fuss, and stress free. I wouldn't hesitate to recommend Saga to anyone. Reviewed on: 31st July 2025

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