Choose from our Gold, Silver and Bronze Buildings and Contents Cover and adapt our optional add-ons to suit you.
Choose from our Gold, Silver and Bronze Buildings and Contents Cover and adapt our optional add-ons to suit you.
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
Simply pick the cover that includes what you need.
View our full cover details for even more features that come as standard.
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
View
less
Choose the cover level that suits you and your home.
View our cover details for everything we include as standard.
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.
View
less
Less fuss. More protection.
All Gold, Silver and Bronze 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.
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.
Read more
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.
Read more
STUDENT COVER
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Read more
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.
Read more
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.
Read more
STUDENT COVER
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Read more
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.
Read more
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.
Read more
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.
Read more
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.
Read more
STUDENT COVER
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Read more
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.
Read more
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.
Read more
STUDENT COVER
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Read more
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.
Read more
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.
Read 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.
Anchor
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.
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.
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.
Reach us on 0345 608 9001 between 8am and 8pm Monday to Friday, 9am to 5pm on Saturday and 10am to 4pm on Sunday.
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
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).
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