Home Contents 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.
Contents insurance explained
What is contents insurance?
Contents insurance covers the things you own inside your home - from furniture and electronics to clothing and personal items.
Why do I need it?
If your belongings are damaged, destroyed or stolen, replacing them can be expensive. Contents insurance helps you repair or replace your items, so an unexpected event doesn’t turn into a financial burden.
Examples of what it can cover
Your sofa, TV or laptop damaged by a leak or flood
Clothes, jewellery or gadgets stolen during a break-in
Furniture or belongings destroyed by a fire
Accidental damage, like spilling paint on a carpet (if included in your policy)
Typical policy extensions
Extended accidental damage
This covers unforeseen and unintentional damage to your contents, such as red wine on your sofa.
Bicycle cover
Bicycle cover means you don’t need to worry about loss, damage or theft while at home or out and about.
Student cover
Cover your family’s possessions while they’re studying and living away from home.
Personal possessions cover
Keep your possessions covered when you take them outside the home - including abroad. From leaving your laptop on the train to losing your watch in the sea.
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 (start date on or after 1 April 2026)
Gold, Silver and Bronze policies (start date before 1 April 2026)
Essential, Plus, Premier and Premier Select policies
Specialist Home policies
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.
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.