Home Buildings Insurance
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We’re busy making some changes.
Existing customers - your policy remains the same
We’ll let you know about any changes when it’s time to renew.
Buildings insurance explained
What is buildings insurance?
Buildings insurance covers the physical structure of your home, including the walls, roof, floors and permanent fixtures.
Why do I need it?
Your home is probably your biggest financial investment. If it gets damaged, the cost to repair or rebuild it can be significant. This type of insurance helps protect you from that risk.
Examples of what it can cover
Repairing storm damage to a roof
Fixing walls or floors after a flood
Rebuilding parts of your home damaged by fire
Typical policy extensions and add-ons
Extended accidental damage
Protect against accidental damage to your home’s construction, including drains and pipes.
Home emergency cover
In the event of a home emergency, you could have a tradesperson make things safe with a temporary repair.
Legal issues cover
Get access to help with legal problems covered in your policy, including employment, contract and property disputes, as well as assistance with legal costs.
Policy documents for existing customers
To check your policy documents for cover details, sign in to your account . For any other queries, please visit our help hub.
Gold, Silver and Bronze policies
Essential, Plus, Premier and Premier Select policies
Specialist Home policies
Unique homes and contents need unique cover
We also offer specialist insurance with our partner, Covéa Insurance for homes built before 1800 or with seven or more bedrooms
Cover for listed properties, second homes, unusual constructions, high-value art, antiques and more.
Speak with an underwriting expert on 0800 916 6880. Calls may be recorded or monitored.
Bronze / Silver / Gold insurance cover
John Lewis Home Insurance is a trading name of John Lewis Finance Limited. Registered in England and Wales company number 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Pay monthly option for your home insurance is under a contract with Premium Credit Limited (a company registered in England and Wales with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful.
Home Emergency and Home Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number: 103274) (FCA number 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
John Lewis plc is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking and registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England and Wales company number 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Covéa Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa 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. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.