Building your cover is easy

Choose from three straightforward levels of cover for Buildings, Contents or both.

Tailor your policy with the optional add-ons you need.

Make changes to your policy, without admin fees or hidden charges.

If you're an existing customer, you won't pay more than a new customer for the same cover.

Choose what's covered

CONTENTS COVER

Simply pick the cover that includes what you need.

View our full cover details for even more features that come as standard.

Bronze
Silver
Gold
Maximum we'll pay:
Replacing your contents
£50,000
£100,000
Unlimited
Alternative accommodation
£10,000
£15,000
Unlimited
Valuables in the home
£10,000
£20,000
£40,000

Business equipment
£2,000
£5,000
£10,000
Tenants improvements
£10,000
£15,000
£20,000
Contents in the open
£2,000
£3,000
£5,000
Utility or fuel charges from accidental loss
£500
£1,000
£5,000
Loss of media downloads
£500
£1,000
£5,000
BUILDINGS COVER

Choose the cover level that suits you and your home.
View our cover details for everything we include as standard.

Bronze
Silver
Gold
Maximum we'll pay:
Repairing/rebuilding your home
£400,000
Unlimited
Unlimited
Alternative accommodation
£50,000
£100,000
Unlimited
Trace and access
£5,000
£5,000
Unlimited
Locks and keys
£500
£750
Unlimited
NEED SOMETHING UNIQUE?

We also offer Specialist Home Insurance for unique homes
and high-value contents.

Choose your optional add-ons

It's easy to tailor your policy with the add-ons you need.
You can also change your add-ons to suit your new circumstances at any time, without admin fees or hidden charges.

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PERSONAL CYBER COVER

Get help with computer problems like restoring your home systems or removing viruses. We'll also help you if you fall victim to online fraud.

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LEGAL EXPENSES COVER

Get access to a legal helpline, plus up to £100,000 of cover to help with legal issues, like boundary disputes.

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ACCIDENTAL DAMAGE - CONTENTS

Whether it's red wine on a white carpet or a broken glass coffee table, you're covered.

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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, anywhere in the world.

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STUDENT COVER

Up to £5,000 of contents cover for your family while they're studying and living away from your home.

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GADGET COVER

Expensive to buy, easy to drop. Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Add items worth more than £200 specifically to your policy.

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ACCIDENTAL DAMAGE - BUILDINGS

Extend your Buildings Cover to protect against accidental damage to your home's construction, including drains and pipes.

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HOME EMERGENCY AND BOILER SERVICING COVER

In the event of a home emergency, we'll make things safe with a temporary repair. We'll also provide an annual boiler service to help keep your heating and hot water working as they should.

No surprises when it's time to renew

If you're an existing customer, you won't pay more than a new customer for the same cover. So, when it's time to renew you'll still enjoy great value. And we'll do all we can to explain the price of your policy clearly, so you know exactly what you're paying for.

POLICY WORDING

FREQUENTLY ASKED QUESTIONS

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.

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.

If your home is seriously damaged – due to flood, for example – we'll find alternative accommodation, similar to your own, for you to live in until you can return home. Limits vary depending on your level of cover.

If it is safe to do so, you should take steps to limit the damage where possible – for example move furniture out of standing water or switch off your water supply to stop a leak.

Yes, these are considered 'valuables', which includes items such as:

  • Jewellery
  • Articles containing gold, silver or precious metals
  • Watches
  • Paintings and other works of art
  • Stamp, coin or medal collections
  • Musical instruments


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.

Please refer to your policy wording for the full list of cover.

Yes, second homes, holiday homes and let properties can be insured under our Specialist Cover. They aren't covered by our standard Home Insurance, however.

HOME INSURANCE GUIDES

What is buildings insurance?

Your home is precious, so it’s important to prepare for the unexpected

What is contents insurance?

Help soften the blow if something happens to your possessions

Escape of water

Learn about water leaks, why they happen and how to prevent them


John Lewis Finance, John Lewis Home Insurance and John Lewis & Partners are all trading names 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 of Munich Re Digital Partners Limited, a company authorised and regulated by the Financial Conduct Authority to carry on insurance distribution activities.

John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names 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 no. 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 (registration no. 202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered Office: Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales (registration no. 613259).