We always do what's
right for you

Our cover’s designed to get you back on your feet quickly, fully and fairly. So while we hope you’ll never need to make a claim on your home insurance, if you do you can be assured we’ll always put your needs first. Simply decide what kind of cover works for you, and get a quote today.

Any questions? Call on 0330 102 2578

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  Unlimited Alternative Accommodation as standard Total valuables limit of £40,000 as standard Unlimited Buildings Cover as standard Unlimited Contents Cover as standard
John Lewis Finance (Premier)        
Aviva (Bedroom rated)        
Direct Line (Plus)        
SAGA        
Sainsbury's (Premier Cover)        
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Cover for unique
Homes and High-value contents

Our Specialist Cover is designed to protect your expensive art, antiques, paintings and more. It’s also the right cover if you own more than one home, property abroad, or a thatched, listed or flat-roofed building.

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Things to consider

We know that sometimes you need a little help with choosing the product that's right for you. Home insurance policies vary significantly in how much cover they provide, so here’s what to consider before you buy.

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Top FAQs

What is 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. Buildings insurance generally covers your home against risks including flood, fire and subsidence.

Contents insurance covers the possessions in your home. Contents insurance will cover 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 buildings and contents insurance from the same insurer helps make the process easier.

How do you calculate the cost of my home insurance?

The amount you pay for home insurance is calculated by looking at many different factors including your home’s location, size, construction type and security levels; the value of your contents; and your claims history.

Essentially, the higher the risk of loss or damage to your property, and the higher the value of the property and the contents, the more you’ll have to pay to insure them.

Can you cover high value items like art, antiques, jewellery?

Yes, 'valuables' are non-household goods, such as:

  • Jewellery (including costume jewellery) 
  • Other things made of gold, silver or precious metals 
  • Cameras, camcorders or binoculars 
  • Watches 
  • Furs 
  • Paintings and other works of art 
  • Stamp, coin or medal collections


Each insurance product has a different valuables limit so you can choose the one to suit your needs.

If you have any valuables worth more than £3,000 each, you’ll need to specify them when you get a quote.

If you have any valuables that are worth more than £20,000 each, our Specialist Home Insurance may be more suitable for you. Find out more or speak to an adviser on 0800 916 6880.

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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 Essential, Plus and Premier 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 are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales No. 233462.

John Lewis plc is an appointed representative 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.

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