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Home Insurance

Tailored home insurance cover for homeowners, tenants and landlords who want to help deliver critical support to our communities while protecting their biggest asset.

Home insurance that helps others.

As one of the oldest operating ethical insurance providers in the country, sagic has been changing lives since 1909.

Alongside providing comprehensive home insurance policies to cover your every need, we ensure our profits are used to provide financial backing to many of the great causes supported by The Salvation Army.

Choose us, and you’ll not only receive competitively priced home insurance cover backed by a friendly, responsive service – you’ll also get peace of mind that your money is being used to improve the lives of millions of people across the UK.

What do our home insurance policies cover?

Buildings Insurance
Contents Insurance
Buildings & Contents Insurance
Home Buildings insurance covers:
Loss or damage to the buildings of your home (including garages)
Accidental damage to underground pipes and cables
Accidental breakage of fixed glass, ceramic hobs and sanitary ware
Alternative accommodation or loss of rent following insured damage
Replacement locks and keys if your keys are accidentally lost or stolen
Trace and access to find an escape of water from any fixed water or heating installation.
Property owner’s liability
Home emergency cover
Contents insurance covers:
Loss or damage to the contents of your home including in the garden and in garages
Accidental damage to glass in furniture and mirrors
Tenant’s liability for damages to property you are held liable for under your tenancy agreement
Loss or damage to freezer food
Students’ belongings whilst they are away living in student accommodation
Employers’ liability if you are held liable for injury to domestic employees
Buildings:
Loss or damage to the buildings of your home (including garages)
Accidental damage to underground pipes and cables
Accidental breakage of fixed glass, ceramic hobs and sanitary ware
Alternative accommodation or loss of rent following insured damage
Replacement locks and keys if your keys are accidentally lost or stolen
Trace and access to find an escape of water from any fixed water or heating installation
Property owner’s liability
Contents:
Loss or damage to the contents of your home including in the garden and in garages
Accidental damage to glass in furniture and mirrors
Tenant’s liability for damages to property you are held liable for under your tenancy agreement
Loss or damage to freezer food
Students’ belongings whilst they are away living in student accommodation
Occupiers and personal liability
Employers’ liability if you are held liable for injury to domestic employees
Ready to get your home insurance quote?
Get a quote

Cover Options

Choose only one option or combination of extras to fully customise your home:
Summary of cover
Optional extras
All our home insurance policies include the following as standard:
Fire, smoke, explosion, lightning and earthquake cover
Storm and flood cover
Theft or attempted theft
Riot and civil commotion, strike, labour or political disturbance
Malicious damage and vandalism
Subsidence or landslip causing the building or part of it to collapse
Escape of water or oil from any fixed water or heating installation or domestic appliance
Impact involving an aircraft, a train, vehicle or animal
Falling trees, branches, telegraph poles or lamp posts and the cost of removing any that cause damage to the home
Accidental damage cover for damage to your buildings
and/or contents:
Accidental damage covers the repair or replacement of items damaged by events such as accidentally knocking over your TV or accidentally damaging the ceiling while in the loft
Specified cover for valuable items:
This cover is for individual items worth more than £5,000. Our standard contents cover includes protection for up
to £30,000 of valuables with a maximum item value of £5,000
Valuables include jewellery, watches, items made of gold, silver, or other precious metals, musical instruments and equipment, photographic equipment, spectacles, works of art, antiques, stamp, coin, and medal collections
Personal possession cover:
Cover against theft, loss, or accidental damage for items worth less than £2,000 that you take away from home such as jewellery, watches and portable electronics
Extended (over £2,000) single item cover is available for specified items under personal possessions
Additional cover for money/credit cards:
Covers up to £500 for loss of money and the fraudulent use of lost or stolen credit cards within the British Isles, and up to 60 days worldwide during the insurance period
Additional cover for freezer foods:
This is in addition to the £500 included in your contents cover, and your excess will not apply to this section
Additional cover for bikes:
Our policies include £350 of cover as standard. You can increase coverage up to £10,000 with a maximum of £5,000 per bicycle
Family legal protection cover:
Provides access to a 24-hour legal helpline for advice and assistance, covering costs incurred up to £50,000 during legal proceedings

Your home insurance comes with

10 months 0% APR
NO amendment fees
NO credit card charges
NO cost for postal confirmations

Work out the value of your contents

If you’re not sure how much your home and/or personal possessions are worth, use our handy calculators to generate estimates that you can use to create an accurate quote.
Contents Value Calculator

Exclusive discounts 
for members of
The Salvation Army

As an insurance company that’s wholly owned by The Salvation Army, we’re delighted to offer exclusive deals to employees, officers, and soldiers of this world-renowned organisation.

Make sure you mention your affiliation when you contact us to access up to 20% off your home insurance policy.
Find out more

Download our Home Insurance Documents

Are you a new customer? 

If you’re looking to buy home insurance from sagic, you can read our latest policy documents for more information on the cover provided.
Are you an existing customer?
To review the cover provided under your existing policy with sagic, please visit our portal.
Sign in to see your documents
If you cannot access your online documents through our portal and require a copy, please contact us on 0300 030 1865.

Our customer reviews

5/5 on Trustpilot
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The Salvation Army General Insurance Corporation Limited (Sagic) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Reg. No: 202327). Sagic is a member of the Association of British Insurers. Registered Office: Saxon House, 27 Duke Street, Chelmsford, CM1 1HT. Registered in England & Wales. Company Number: 101071. Sagic is a wholly owned subsidiary of The Salvation Army. The Salvation Army is a Church and registered Charity in England (214779), Wales (214779), Scotland (SC009359) and the Republic of Ireland (CHY6399)
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