CONTENTS INSURANCE

What does contents insurance cover?

Contents insurance is designed to replace all the contents in your property, including household goods, electrical items and valuables. It covers your possessions against:

• Theft – if your mobile phone, laptop, flat screen TV or jewellery are stolen when your home is burgled, you can replace them.
• Fire – if your furnishings are damaged or destroyed in a fire, you are covered for new ones.
• Accidental damage – you can get cover for if you break your TV, drop and smash your tablet or sit on your glasses (included with Saga Plus, optional with Saga Select).

You also have the option to add cover for accidental damage or loss of personal items when you take those items out with you, like if you lose your mobile phone when out walking. Your contents insurance can also include personal liability and emergency home cover to fix any urgent issues that come up, for example with plumbing or internal electrics.

Check your Policy Book for a full list of what is and isn't included in your contents insurance policy.

Don’t need that much cover?

We also offer Saga Select. While it doesn’t come with our 3-year fixed price or other extra features you get with Saga Plus, it’s still 5-star Defaqto rated. And you can also add optional extras.

How much contents insurance do you need?

To work out how much contents insurance you need, take some time to consider room by room which items you have that are worth insuring.

• Estimate a replacement price and make a list of each item.
• Research the price you would need to pay if you had to buy the items new. Saga policies work on a new for old basis, so you will be covered for a new item like the one you insure.
• If there are individual items worth over £2,500 kept at home, these should be added as named items.
• If you purchase new and valuable items after you’ve taken out your policy, you'll need to add these items to your cover.

With a complete up-to-date inventory to hand, you can feel comfortable that all your belongings are protected with the right amount of contents insurance.