CRAFTED WITH CARE

For more than 150 years, John Lewis & Partners has established a reputation for quality, service and trust. The same values are at the heart of our Home Insurance, because we know how much your property and possessions mean to you. 

If your son or daughter is going away to university soon, we could also cover their belongings with our student cover option. While many insurers only provide cover for contents while they’re in student accommodation, we recognise that your son or daughter will often be out and about. That’s why our add-on has been crafted to cover:

Contents kept in student lodgings.

Contents away from student lodgings – for up to 60 days worldwide

Household goods, valuables, money and credit cards, personal possessions, pedal cycles and business equipment

COMPARE OUR BUILDINGS AND
CONTENTS COVER LEVELS

Essential cover for your home and its contents, with optional extras for added protection.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

A flexible level of cover, with increased protection for your home and its contents.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

Our most complete level of cover for your home and the things you own.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000
Student cover Optional Optional Optional £15,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

This custom cover is tailored to suit, so your unique property and possessions – including art, antiques, jewellery and more – are fully covered. It’s also the right cover for more than one home or thatched, listed or flat-roofed buildings.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

BESPOKE QUOTES

Each Specialist Home Insurance policy is created to suit, so you’ll speak directly with a dedicated underwriter. We can also offer a number of policy discounts, including ones for selecting a higher excess, improved security and years of experienced homeownership.

Speak with your expert underwriter on 0800 916 6880

Essential cover for your home and its contents, with optional extras for added protection.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

A flexible level of cover, with increased protection for your home and its contents.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

Our most complete level of cover for your home and the things you own.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000
Student cover Optional Optional Optional £15,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

This custom cover is tailored to suit, so your unique property and possessions – including art, antiques, jewellery and more – are fully covered. It’s also the right cover for more than one home or thatched, listed or flat-roofed buildings.

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited** Bespoke
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard cover Full cover Full cover
Alternative accommodation £60,000*** £115,000*** Unlimited Up to 5 years
Personal possessions**** Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover***** None £10,000 Unlimited Unlimited
Pedal cycles Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****Single item limits apply.
*****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

BESPOKE QUOTES

Each Specialist Home Insurance policy is created to suit, so you’ll speak directly with a dedicated underwriter. We can also offer a number of policy discounts, including ones for selecting a higher excess, improved security and years of experienced homeownership.

Speak with your expert underwriter on 0800 916 6880

What's the right cover for you?

ARTICLES AND GUIDES

Our Partners

Royal & Sun Alliance Insurance plc has been carefully selected to underwrite Home Insurance from John Lewis Finance.

Covéa Insurance plc has been carefully selected to underwrite Specialist Insurance from John Lewis Finance.



Terms, conditions, limitations, exclusions and eligibility acceptance criteria apply.

For new customers purchasing online. Minimum premiums apply. We reserve the right to withdraw this offer at any time. Discount is automatically applied when you get a quote. 20% discount for Premier, Plus and Essential cover and 15% for Specialist. Discount does not apply to any optional features you select when purchasing Specialist Insurance.

John Lewis Finance and John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Royal & Sun Alliance Insurance plc. John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark ’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). Calls may be recorded and monitored.

John Lewis plc is an appointed representative of Covea Insurance plc. Its Financial Services Register No. is 416011. John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. The Covea Insurance Registered office address is: Norman Place, Reading, Berkshire, RG1 8DA. Registered in England and Wales No 613259. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Its Financial Services Register No. is 202277.