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Home Insurance changes the lives of people every day
SAGIC has been providing insurance since 1909. Let us change your HOUSE insurance needs too
Our home insurance policies provide cover for homeowners, tenants and landlords.
What do our home insurance policies cover?
You can choose what you would like to include.
Buildings Insurance
Buildings Cover
- 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
Contents Cover
- Loss or damage to the contents of your home including in the garden and in garages
- Accidental damage to glass in furniture and mirrors
- Replacement locks and keys if your keys are accidentally lost or stolen
- 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.
Buildings + Contents Insurance
Combined Cover
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
- Home emergency cover
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
Summary of cover
All of our home insurance policies also include the following as standard:
- Fire, Smoke, Explosion, Lightning and Earthquake
- Storm and Flood
- 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 post and the cost of removing any that cause damage to the home.
Optional extras
Choose only one option or a combination of extras to fully customise your home cover.
- Accidental Damage: Additional cover for damage to your buildings and / or contents covering events such as accidentally dropping your TV or putting your foot through the ceiling whilst in the loft.
- Personal Possessions: Insuring items you take away from the home for Theft, Loss or Accidental Damage.
- Freezer foods (more than the standard cover)
- Sport Equipment / Pedal cycles
- Family Legal Protection: 24 hours legal helpline and costs up to £50,000
- Money and Credit Cards: £500 worth of cover for loss of money or fraudulent use of your credit / debit card
Your House Insurance comes with

NO interest on monthly payments

NO amendment fees

NO credit card charges

NO cost for postal confirmations
Why choose us?
We are more than an insurance company

We are 100% owned by
The Salvation Army

We give back to those in need

Our policies change the lives
of people every day
How to make a claim
In the event of the claim then please contact our office on
0300 030 1865
Opening hours are 9 am - 5 pm Monday - Friday.
Outside these hours there is a 24-hour Emergency Helpline available on the same number. For all Home Emergency claims, please call 01444 442800.
Alternatively, please email claims@sagic.co.uk
Download our home insurance documents
Members of The Salvation Army
If you are in contact with The Salvation Army on a regular basis then discounts are available for:
- Attendees
- Employees
- Officers
- Soldiers / Adherents
Please make sure you mention your affiliation when you contact us.
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