We always do what's
right for you
Our cover’s designed to get you back on your feet quickly, fully and fairly. So while we hope you’ll never need to make a claim on your home insurance, if you do you can be assured we’ll always put your needs first. Simply decide what kind of cover works for you, and get a quote today.
Things to consider
We know that sometimes you need a little help with choosing the product that's right for you. Home insurance policies vary significantly in how much cover they provide, so here’s what to consider before you buy.
Compare our cover
|Unlimited Alternative Accommodation as standard|
|Total valuables limit of £40,000 as standard|
|Unlimited Buildings Cover as standard|
|Unlimited Contents Cover as standard|
Looking after more than
bricks and mortar
It’s our relationship with our customers that truly makes a policy from John Lewis Finance different, just ask Sue and Paul who claimed on theirs after a fire.
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.
Yes, 'valuables' are non-household goods, such as:
Jewellery (including costume jewellery)
Other things made of gold, silver or precious metals
Cameras, camcorders or binoculars
Paintings and other works of art
Stamp, coin or medal collections
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.
Terms, conditions, limitations, exclusions and eligibility acceptance criteria apply.
† For new customers purchasing online. Minimum premiums apply. Discount is automatically applied when you get a quote and does not apply to any optional features you select. 20% discount for Essential, Plus and Premier cover and 15% for Specialist.
John Lewis Insurance is a trading name of John Lewis plc. John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc. John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). Calls may be recorded and monitored.
John Lewis Insurance is a trading name of John Lewis plc. John Lewis is an appointed representative (Financial Services Register No. 416011) of Covea Insurance plc. John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered in England and Wales No. 613259. Registered office Norman Place, Reading, RG1 8DA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202277)