Home Insurance
Welcome home to flexible cover
£50,000 minimum cover when you choose Contents cover
Change your cover with no admin fees
No extra charge when you pay monthly
For more information on our Bronze, Silver and Gold cover, please read the FAQs and policy documents below.
Benefits under one roof
Flexible cover
You can combine different levels of buildings and contents insurance.
No admin fees
Making changes to your policy? Your premium may go up but we won’t charge an extra fee.
Unlimited repair costs
You get unlimited cover for valid claims with our Silver or Gold buildings’ options.
Pick the level of cover for your home
Buildings insurance
 | | | |
|---|---|---|---|
| Maximum we'll pay for: | Bronze | Silver | Gold |
Repairing or rebuilding | £400,000 | No limit | No limit |
Alternative accommodationIf you can’t stay at home during any repair work | £50,000 | £100,000 | No limit |
Trace and accessFinding the cause of an issue and fixing any damage caused while tracing it | £5,000 | £5,000 | No limit |
Contents insurance
Unsure how much cover you need? Use our contents insurance calculator.
Unsure how much cover you need? Use our contents insurance calculator.
 | | | |
|---|---|---|---|
| Maximum we'll pay for: | Bronze | Silver | Gold |
Replacing your contents | £50,000 | £100,000 | No limit |
Unspecified valuablesValuables not specified as part of your home cover | £3,000 single item limit £10,000 total limit | £3,000 single item limit £20,000 total limit | £3,000 single item limit £40,000 total limit |
Specified valuablesValuables specified as part of your home cover | £20,000 single item limit £40,000 total limit | £20,000 single item limit £40,000 total limit | £20,000 single item limit £40,000 total limit |
Optional add-ons
Tailor your policy with extra cover at any time. Change them without admin fees, but your premium may change.
Accidental damage
We’ll cover damage caused by an unforeseen and unintentional event, like cutting through a cable or breaking a window.
Legal issues cover
Get access to a 24-hour helpline and up to £100,000 of cover for legal costs to help with legal problems covered in your policy, including employment, contract and property disputes.
Emergency cover
Home emergency? We'll arrange for a tradesperson to make things safe with a temporary repair.
Accidental damage to contents
Covers damage to contents, such as red wine on your sofa or a broken glass table. Accidental damage is caused by an unforeseen and unintentional event.
Bicycle cover
Up to £15,000 of cover for your bikes while at home or out and about (maximum of £5,000 per bike). We cover against loss, damage or theft. Excludes electric bikes and mopeds.
Student cover
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Gadget cover
Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Items (including mobile phones) worth more than £200 will need to be named on your policy.
Personal cyber cover
Up to £10,000 of protection against cyber crimes, online liability actions and damage to your computer – including professional system restoration and virus removal.
Personal possessions cover
Cover for your possessions when you take them away from home, anywhere in the world – from losing your watch in the sea, to leaving musical instruments on the bus.
What we don’t cover
Rot or frost damage
This includes dry or wet rot, or damage caused by frost.
Fence or gate storm damage
We cover storm damage, except for fences and gates.
Appliance breakdown
Household appliances such as kettles or washing machines.
General wear and tear
Normal wear from everyday usage isn’t covered.
Unique homes, special items
Explore our home insurance cover for high-value properties, brought to you with our specialist provider Covéa Insurance:
For large, listed or additional homes
Protection for your high-value art, jewellery, antiques and more
Accidental damage cover as standard
Home Insurance FAQs
What’s the difference between buildings and contents insurance?
Home insurance refers to either contents insurance or buildings insurance or a combination of both.
Buildings insurance covers the building, including any outbuildings such as sheds. It generally covers your home against risks including flood, fire and subsidence.
Contents insurance covers the possessions in your home. It covers you against your belongings being stolen and some policies may cover you if something in your home is damaged by accident.
Buildings and contents insurance can be sold separately, but if you need to make a claim, having both from the same insurer helps make the process easier.
Do you cover high-value items like art, antiques and jewellery?
Yes, these are considered 'valuables', and include items such as:
Paintings and other works of art
Articles containing gold, silver or precious metals
Stamp, coin or medal collections
Musical instruments
Each insurance product has a different valuables limit so you can choose the one to suit your needs.
If you have items worth more than £3,000 each, you’ll need to specify them when you get a quote.
For valuables worth more than £20,000 each, our high value home insurance may be more suitable. View our Specialist Home Insurance cover, or speak with an advisor from Covéa Insurance, who provide this, on 0800 916 6880. Calls may be recorded or monitored, and charges will vary.
To check your existing coverage, please refer to your policy’s wording.
Will my John Lewis Home insurance automatically renew?
If you’re opted into automatic renewals, you’ll just need to double-check that you’re happy with your renewal information and that we have the correct payment information. Then we’ll do the rest.
The quickest and easiest way to review your cover or make any changes to your details is to check online. For this you’ll need your policy number, postcode and the policyholder’s date of birth.
If you don’t wish to renew, call us on 0345 608 9001 before your renewal date.
Mon-Fri 9am-6pm (live chat until 7pm)
Saturday 9am-12pm (live chat only)
Sunday (closed).
Calls may be recorded or monitored, and charges will vary.
How do I claim on my home insurance?
You can make a claim either over the phone or online. Before making a claim, please visit our claims guide. Our 3 quick questions will direct you straight to the correct phone number to call, or page to visit, depending on your policy.
You’ll need to know the beginning letter of your policy, the date you last renewed, and whether or not it’s a specialist policy. You will also be able to make a claim from that page.
Home insurance claims can be made from the first day your policy is valid. These details will be in your policy schedule. Any changes in your lifestyle will be considered when you come to renew and any new risks will be factored into your renewal price.
If you’ve contacted us by phone, a member of our team will explain how the excess on your policy works. Typically, if any excess is due to be applied this will be deducted from the settlement amount once your claim has been approved.
How do I make a complaint?
If you would like to make a complaint please contact us.
Policy documents, all in one place
To check your policy documents for cover details, sign in to your account or call us on 0345 608 9001.
Calls may be recorded or monitored, and charges will vary.
Gold, Silver and Bronze policies
Essential, Plus, Premier and Premier Select policies
Specialist Home policies
Our partner for home insurance
Our Bronze, Silver and Gold policies are brought to you through our home insurance partner, Munich Re Digital Partners Limited.
More about home insurance
Valuables insurance
Making sure your precious items are covered is important. Find out about what you can protect with valuables insurance.
Escape of water
From burst pipes to faulty appliances, learn about the ways to prevent and manage water damage in your home.
Tackling damp
Damp is something that should be nipped in the bud. Discover how to protect your home from damp and deal with it.
John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc.
Munich Re Digital Partners - our Bronze / Silver / Gold insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Munich Re Digital Partners Limited, which is authorised and regulated by the Financial Conduct Authority to carry out insurance distribution activities (firm reference number: 804106). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales (company number 10207490).
John Lewis Home Insurance is underwritten by Great Lakes Insurance UK Limited (company number: 13436330). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 955859).
Covéa Insurance - our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covea Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc (company number: 613259). Registered office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales.