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This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
In this article
Sagic is short for the Salvation Army General Insurance Corporation Ltd. It was established in 1909 by the Salvation Army and describes itself as one of the oldest continuously operating ethical insurers, with profits benefiting the less privileged in society.
It offers one standard home insurance policy, named House and Home, which we've reviewed.
Quotes are available online or by calling direct, or via a broker. Sagic's standard policy does not appear on price comparison websites.
Please note that this article is for information purposes only and doesn't constitute advice.
Here's how Sagic scored in our latest home insurance survey.
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed Sagic's House and Home policy. See what it offers and how we rated it.
| Buildings - Alternative accommodation | £400,000 | |
| Buildings - Burst pipes | As standard | |
| Buildings - Escape of water excess | £350 | |
| Home emergency cover limit | £500 | |
| Home emergency - central heating/boiler repair | £500 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 |
Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying.
This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Dean Sobers, Which? home insurance expert, says:
House and Home scored well in our analysis. Its Best Buy buildings and contents cover – with scores of 74% and 75% respectively – was towards the top end of the policies we examined.
Highlights include no fees for policy setup, renewal or amendments, and no interest charged for making payments monthly.
It offers robust cover of up to £2,500 for lost or stolen keys, and a 20% boost in your contents cover during holidays, religious festivals and special events (this is to allow for presents or costly items you may be storing related to the festivities).
It also protects contents kept by a family member who is temporarily living away as a student, up to £10,000.
While its cover was fairly consistent, it was less impressive in a few areas, including a lack of cover for damage caused by pets. It also only pays up to £500 per emergency call-out under its home emergency cover. With more than two thirds of policies, this limit is £1,000 or higher.
Sometimes, because of a change in your circumstances or a missed payment, the insurer may deem it necessary to cancel your insurance.
With more than half of policies, the notice period is seven days – which isn't much time to either try to challenge the decision, rectify what’s happened or secure more cover. Of more than 70 policies we rated, Sagic’s gave the most breathing space, with 30 days' notice.
Sagic doesn't sell home insurance on comparison websites, so you'll need to phone, visit the website or contact a broker for a quote.
Sagic offers a 5% discount for taking out both buildings and contents cover.
Want to pay monthly? Good news: Sagic doesn't charge interest for paying monthly rather than annually.
The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.
Sagic's building cover for its standard House and Home policy scored 74%, just below LV's standard policy with 76%.
As for contents insurance, its standard policy scored 75%, beaten by Which? Recommended Provider NFU Mutual's standard policy, with 78%.
If you need to make a claim with Sagic home insurance, you can call 0300 030 1865. For home emergency claims, call 01444 442800.
You can also email claims@sagic.co.uk.
Yes, if the price you're quoted is reasonable: Sagic's policy is impressive and a Best Buy.
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