Enjoy simple and flexible cover

Life’s easier when you don’t have any worries. That’s why our thoughtful Home Insurance is made for the things that matter to you.

Fairly priced and built with care, it comes with a range of optional add-ons to suit your specific needs. Meaning you’re free to sit back, relax and let life happen.

Create your perfect policy

Choose our Gold, Silver or Bronze cover

Select optional add-ons including Accidental Damage

Change or cancel your policy any time, without paying fees

Pay no more than a new customer when it's time to renew

Choose what's covered

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
View all cover details
View less

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
View all cover details
View less

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 Bronze, Silver or Gold 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.

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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.

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.

Learn more

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.

Learn more

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.

Learn more

Add extra contents cover for members of your family while they’re studying and living away from your home.

Learn more

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.

Learn more

Extend your policy to protect against accidental damage to your home’s construction, including drains and pipes.

Learn more

In the event of a home emergency, we’ll pay for a specialist to make things safe with a temporary repair. We’ll also arrange an annual boiler service, to help avoid problems with your heating system.

Learn more

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

Learn more

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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.

image

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.

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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.

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.

Learn more

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.

Learn more

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.

Learn more

Add extra contents cover for members of your family while they’re studying and living away from your home.

Learn more

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.

Learn more

Extend your policy to protect against accidental damage to your home’s construction, including drains and pipes.

Learn more

In the event of a home emergency, we’ll pay for a specialist to make things safe with a temporary repair. We’ll also arrange an annual boiler service, to help avoid problems with your heating system.

Learn more

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

Learn more

No surprises when it's time to renew

If you're an existing Bronze, Silver or Gold 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

Select the relevant link below to view and print your policy document(s).


Gold, Silver and Bronze Cover


Essential Cover


Plus Cover


Premier Cover


Specialist Cover

 

Please call us on 0800 916 6880 if you wish to request hard copies of your Specialist Home Insurance policy documents.


Premier Select

 

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.

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).