Why our customers choose us

No extra charge when you pay monthly

No cancellation fees

UK based call centres

A wide range of optional extras to choose from

What's covered?

Damage to buildings and contents  caused by water, fire, storms, and more

Working from home, with up to £10,000 cover for business equipment

Unlimited building repair costs with our Silver and Gold policies

Up to unlimited costs for alternative accommodation

Burglary and vandalism, including replacing locks

ID theft - we'll recover your ID and cover losses up to £25,000

Flexible home insurance, built by you

Contents cover

You can choose from three levels of contents cover to protect the things you cherish most.

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
View all cover details
View less

With three tiers of buildings cover to choose from, you can make sure you're compensated in the event of damage to your home.

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

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.

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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 COVER

In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair.

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PERSONAL POSSESSIONS

Cover for your possessions when you take them away from home or on holiday, anywhere in the world.
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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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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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PERSONAL POSSESSIONS

Cover for your possessions when you take them away from home or on holiday, anywhere in the world.

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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 COVER

In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair.

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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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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.
image

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.

image

ACCIDENTAL DAMAGE - BUILDINGS

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

HOME EMERGENCY COVER

In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair.

image

PERSONAL POSSESSIONS

Cover for your possessions when you take them away from home or on holiday, anywhere in the world.

image

ACCIDENTAL DAMAGE - CONTENTS

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

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.

image

STUDENT COVER

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

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.

image

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

PERSONAL POSSESSIONS

Cover for your possessions when you take them away from home or on holiday, anywhere in the world.

image

ACCIDENTAL DAMAGE - BUILDINGS

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

HOME EMERGENCY COVER

In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair.

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.

Frequently asked questions

What's 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 premium?

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.

What should I do if something affects my home - like a burglary or a flood?

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.

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

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.

Can you insure my second property?

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.

View all Help

Unique homes and contents
need unique cover

We also offer Specialist Insurance for homes built before 1800 or with seven or more bedrooms.

Cover for listed properties, second homes or unusual constructions.

Protection for high-value art, antiques and more.

Learn more about Specialist Insurance

Or speak with one of our underwriting experts on 0800 916 6880.

Policy wording

Policy Wording - explaining exactly what's covered

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

Please click here for other policy documents.


Gold, Silver and Bronze Cover


Specialist Cover

 

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

 

IPIDs - setting out terms, restrictions, and your rights and obligations

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

Please click here for other policy documents.


Gold, Silver and Bronze Cover


Specialist Cover

 

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

 

Home Insurance guides

What is buildings insurance?

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

Read more

What is contents insurance?

Help soften the blow if something happens to your possessions

Read more

Escape of water

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

Read more
FAQs
Terms and Conditions
Privacy Policy

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).