What we offer

No cancellation fees

UK based call centres

A wide range of optional extras to choose from

If you're an existing customer, you’ll never pay more than a new customer for the same cover.

What our home insurance covers

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

What’s not covered

Wet rot, dry rot or frost damage

Fences or gates damaged in a storm

Breakdown of household appliances

Wear and tear over time

For full details on what’s covered with your home insurance, you can read our policy documents.

Flexible home insurance, built by you

You can even choose different levels of cover for your buildings and contents insurance.

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

Struggling to work out exactly how much your contents are worth? Check out our handy home contents calculator to save yourself a headache.

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

With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.

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Legal expenses cover

Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.

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Accidental damage - contents

Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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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. Excludes electric bikes and mopeds.

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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). Items (including mobile phones) worth more than £200 will need to be named on your policy. Excludes drones.

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Accidental damage - buildings

Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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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. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.

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Personal possessions

Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.

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Home emergency & boiler cover

Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.

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Accidental damage - contents

Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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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. Excludes electric bikes and mopeds.

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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). Items (including mobile phones) worth more than £200 will need to be named on your policy.

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Personal cyber cover

With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.

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Personal possessions cover

Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.

image

Accidental damage - buildings

Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.

image

Legal expenses cover

Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.

image

Home emergency & boiler cover

Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.

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Personal cyber cover

With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.

image

Legal expenses cover

Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.

image

Accidental damage - contents

Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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. Excludes electric bikes and mopeds.

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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.

image

Gadget cover

Expensive to buy, easy to drop. Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Items (including mobile phones) worth more than £200 will need to be named on your policy. Excludes drones.

image

Accidental damage - buildings

Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.

image

Personal possessions

Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.

image

Home emergency & boiler cover

Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.

image

Accidental damage - contents

Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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. Excludes electric bikes and mopeds.

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). Items (including mobile phones) worth more than £200 will need to be named on your policy.

image

Personal cyber cover

With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.

image

Personal possessions cover

Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.

image

Accidental damage - buildings

Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.

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. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.

image

Legal expenses cover

Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.

image

Home emergency & boiler cover

Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.

How much is home insurance and what affects the cost?

The overall cost of home insurance will vary depending on your circumstances, including the level of cover you want, the cost of rebuilding or repairing your home, or the value of the contents in your home.

The amount you pay for home insurance is calculated by looking at many different factors. These can include:

  • Your home’s location

  • The size of your property

  • Construction type

  • Security levels 

  • Value of your contents  

The cheapest home insurance is not always the best policy for you and it’s best to find the right level of cover for your needs and circumstances.

At John Lewis you’re able to tailor our product to suit your needs. With our flexible policies, you only have to pay for the extra add-ons that are right for you. 

Interested in bike cover but not big on gadgets? No problem. You’re free to pick and choose the add-ons that best suit your lifestyle. It’s as simple as that. And if you have a change of circumstance? That’s okay too, you can add or take away add-ons at any time, with no additional charges or hidden costs. While home insurance might not be the cheapest investment you’ll ever make, it is a smart one.

For help with calculating the value of your contents, use our home contents calculator.

Expert quote

“In life, not everything always goes to plan and it can cost a lot of money when the worst happens. So taking out home insurance can give you peace of mind. At John Lewis we can provide Home insurance for your buildings and contents against a number of risks including, fire, theft, escape of water and storm. We believe you should only pay for what you need, so we offer a range of optional add-ons including accidental damage and home emergency cover.”

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.

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.

Yes. Our buildings and contents insurance policies cover any storm or flood damage that affects your building or the contents of your home respectively (with the exception of fences). This is included as standard regardless of the level of cover you chose.

You won’t find the phrase ‘Acts of God’ in our policies but we do believe that our customers should be protected against natural disasters, so you can feel safe, whatever the weather.

Our standard Contents Insurance policy can cover damage to your mobile phone, if it happens while you’re at home. You can also be protected when you’re out and about if you choose our gadgets add-on. In the modern age we know the fear of being disconnected can be a nightmare, so let us take that worry off your hands.

Our standard Buildings Insurance covers the cost of water escaping from pipes.

If you choose our Accidental Damage for Buildings add-on, all of your pipes are covered for accidental damage, whether overground or underground. This includes:

  • Drains
  • Pipes
  • Cables 
  • Underground tanks

As long as they are used to provide services to or from your home, for which your family is legally responsible. For exclusions, see our key wording.

John Lewis Buildings Insurance can cover any damage done to your fence in case of:

  • Fire

  • Lightning

  • Vandalism

  • Accident

There are a few instances such as storms, frost or falling trees that would not be covered in your policy. You can find the full details about what is included in our policy wording

You can make a claim either over the phone or online. Before making a claim. please visit our claims guide page first. Our three quick questions will direct you straight to the correct phone number to call, or page to visit, depending on your policy.

You’ll need to know the beginning letter of your policy, the date you last renewed, and whether or not it’s a specialist policy. If you’d prefer to make a claim online, you can also do so via our claims guide page

You can make a claim on your home insurance from the first day your policy is valid, the details of this date will be in your policy schedule. Any changes in your lifestyle will be considered when you come to renew and any new risks will be factored into your renewal price.

If you’ve contacted us by phone, a member of our team will explain how the excess on your policy works. Typically, if any excess is due to be applied this will be deducted from the settlement amount once your claim has been approved.

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.

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

Policy wording

The insurer for John Lewis Home Insurance has recently changed. There are no changes to the policy terms and conditions. 
 
If you are an existing customer, please refer to the policy documents sent to you for the insurer details applicable to your policy, or call us on 0345 608 9001

 

 

 

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

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†MRDP underwritten insurance including buildings only, contents only and combined. This number is how many policies we insured as at 1st December 2022.

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).