Home Contents insurance
Flexible Contents Insurance
With three levels of cover, you choose the policy that best suits your needs. Terms, conditions, policy limits and exclusions apply.
Now it’s easy to choose the right Contents Cover
Flexible add-ons for extra protection where you need it
No admin fees – make changes whenever life demands
Specialist cover available for highly valuable items and contents
Choose what's covered
Compare our contents insurance to find the cover level that suits your needs.
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 |
All our policies include Identity Theft Cover
If you have a Bronze, Silver or Gold policy and fall victim to this crime, we’ll provide you with access to relevant services to help you recover your identity and reimburse you for expenses (e.g. legal costs and fees) related to the resolution of your identity theft up to £25,000.
Optional cover
Accidental damage to contents
Make accidents a minor nuisance, not a disaster. This covers you for accidental damage to the belongings in your home for extra peace of mind.
Personal cyber cover
Get help with computer issues like restoration of your home systems, virus removal. We’ll also put things right if you fall victim to cyber crimes like online fraud or telephone hacking.
Bicycle cover
Add up to £15,000 of cover for your bikes while at home or out and about (up to a maximum of £5,000 per bike). We cover against loss, damage or theft.
Student cover
Add extra contents cover for members of your family while they’re studying and living away from your home.
Gadget cover
Expensive to buy, easy to drop. Add some peace of mind with an additional £10,000 of cover for your gadgets (max of £2500 per item). Do note that items worth more than £200 need to be specifically named on your policy.
Personal possessions cover
Cover for your possessions when you take them away from home or on holiday, anywhere in the world.
Unique homes and contents need unique cover
We also offer Specialist 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.
More about home insurance
What is contents insurance?
Contents insurance is designed to protect your belongings and help soften the blow if something happens to your possessions.
Valuables insurance
Making sure your precious items are covered is important. Find out about what you can protect with valuables insurance.
Prefer to talk?
For general enquiries or for existing customers can reach us on 0345 608 9001
Monday to Friday 9am - 6pm (live chat until 7pm), Saturday 9am - 12pm (live chat only), closed Sunday
Calls may be recorded or monitored, and call charges will vary.
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.