Home Insurance Quotes | John Lewis Finance

Building your Bronze, Silver or Gold policy 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.

When renewing these policies, you won't pay more than a new customer for the same cover.

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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
	View all cover details
	All tiers
Bank cards	£50 per card to cover charges from unauthorized transactions – up to £1,000
Money in the home	Loss of or damage to cash in your home – up to £1000
Theft from out buildings	Theft of items from garages and other outbuildings on your property – up to £5,000
Visitor and staff	Personal effects of visitors up to £2,500, and domestic staff in your home, up to £1,000
Dependent relatives	Personal effects of dependent relatives in a nursing home – up to £2,500
Shopping in transit	Unspecified personal possessions in transit – up to £1,000
Freezer food	Loss of food resulting from appliance fault – £250 John Lewis e-card (maximum two claims p/a)
Documents	Loss or damage to documents in the home – up to £2,500 (deeds, bonds and securities)
Liability - as a tenant	If you are liable for any damages as a tenant – up to £20,000
Public and occupier’s liability	You and your family's personal legal liability as individuals, and as occupier of your home and its land – up to £5 million
Employers' liability	You and your family's personal legal liability as an employer to domestic employees – up to £10 million
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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
	View all cover details
	All tiers
Defective Premises Liability	Legal liabilities resulting from your ownership of any home you previously occupied and which was insured by us – up to £2 million.
Property owners' liability	Your family's legal liability as owner of your buildings and land – up to £5 million.
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Need something unique?

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

Less fuss. More protection.

All our policies include ID Theft Cover. If you fall victim to this growing crime, we'll help you recover your ID and compensate any losses up to £25,000.

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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.

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.

LEGAL EXPENSES COVER

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

ACCIDENTAL DAMAGE - CONTENTS

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

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.

STUDENT COVER

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

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.

ACCIDENTAL DAMAGE - BUILDINGS

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

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.