If your home cannot be lived in as a result of damage to it that is covered by your Home Insurance , we'll provide cover so that you and your family can be temporarily rehoused in similar accommodation. We look at providing a home similar to yours: this could be a hotel if you only need a couple of nights or a rental property if the damage takes longer to repair. There’s also the option to stay with friends or family and we may provide you with an allowance for food.
Are my pets covered too?
Yes, we cover you, your family and your pets too.
What about the contents of my home?
If your possessions have to be put into storage, we’ll cover the cost. When we're advised that your contents are in storage, we'll confirm to you the cover available and any exclusions.
Do I need to be a homeowner?
No. You’re covered if you’re a tenant with Contents Insurance too, as long as you don’t have any other insurance that covers this.
How long am I covered for?
We'll provide temporary accommodation while your home's uninhabitable. There are policy limits depending on whether you have Essential, Plus or Premier cover, so check your individual policy.
How do I claim?
Home Insurance claim: 0330 102 2749
(open 8am – 8pm Monday to Friday; 9am – 5pm Saturday)
Specialist Home Insurance claim: 0800 916 6890
(open 9am – 5pm Monday to Friday)
Up to 5 years
option to increase)
Contents sum insured
Matching sets cover
Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover
Valuables single article limit (unspecified items)
*Only applicable if Buildings and Contents cover is selected.
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.
Terms, conditions, limitations, exclusions and eligibility acceptance criteria apply.
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 plc 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).