We know how much your home means to you, which is why we put so much care into crafting cover at every level, and why so many of our customers recommend us year after year.
Our insurance is tried, tested and recommended by 9 out of 10 customers*, and our Premier and Specialist Home Insurance have a 5-star rating from Defaqto.
With an approved claim, we make sure you and your pets have somewhere to live if you can't stay in your home.
You don't have to tell us every time you buy something, because we don't ask you to list individual items under £3000.
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Comprehensive, competitive insurance package with the added surety of the John Lewis brand.
Essential cover for your home and its contents, with optional extras for added protection.
Up to £60,000 of Alternative Accommodation Cover
We’ll help keep a roof over your head if your home becomes uninhabitable as a result of a claim by covering the cost of similar temporary accommodation while it’s rebuilt.
Up to £500 Home Emergency Cover (optional)
Pipe burst at midnight? We could have it fixed before breakfast. We’ll find you a reliable tradesperson and pay towards the cost of labour and parts.
Personal Possessions Cover (optional)
This covers items you or your family normally wear or carry away from the home such as clothing, watches, jewellery or mobile phones. Limits and conditions apply.
A flexible level of cover, with increased protection for your home and its contents.
Up to £115,000 of Alternative Accommodation Cover
We’ll help keep a roof over your head if your home becomes uninhabitable as a result of a claim by covering the cost of similar temporary accommodation while it’s rebuilt.
Standard Accidental Damage Cover
At Plus level our Standard Cover is already included but you also get the option of upgrading to Full Cover, an even higher level of extra protection.
Up to £10,000 Matching Sets Cover
If an item from a bathroom suite, living room suite or kitchen unit (excluding kitchen appliances) is damaged and can't be repaired or an appropriate replacement found, we’ll replace the whole set up to £10,000.
Our most complete level of cover for your home and all the things you own.
Unlimited Buildings and Contents Cover
We won’t ask you to calculate the exact cost of rebuilding your home, or of replacing your general contents.
Unlimited Matching Sets Cover
If an item from a bathroom suite, living room suite or kitchen unit (excluding kitchen appliances) that’s covered by your policy is damaged and can't be repaired, or an appropriate replacement found, we’ll replace the whole set.
Unlimited Alternative Accommodation Cover
We’ll help keep a roof over your head if your home becomes uninhabitable as a result of a claim, by covering the cost of similar temporary accommodation while it’s rebuilt.
This custom cover is tailored to suit, so your unique property and possessions – including art, antiques, jewellery and more – are fully covered. It’s also the right cover for more than one home or thatched, listed or flat-roofed buildings.
Bespoke Buildings and Contents Cover
This custom-built cover protects your unique home and treasured belongings from a wide variety of damage up to the limits you set for your policy.
Up to 5 years of Alternative Accommodation Cover
We’ll help keep a roof over your head by covering the cost of temporary accommodation while your home’s rebuilt.
Full Accidental Damage Cover
This cover provides our highest level of accident protection. Everything from breaking a glass table to spilling red wine on a white carpet is covered.
Each Specialist Home Insurance policy is created to suit, so you’ll speak directly with a dedicated underwriter. We can also offer a number of policy discounts, including ones for selecting a higher excess, improved security and years of experienced homeownership.
Essential cover for your home and its contents, with optional extras for added protection.
Up to £60,000 of Alternative Accommodation Cover
We’ll help keep a roof over your head if your home becomes uninhabitable as a result of a claim by covering the cost of similar temporary accommodation while it’s rebuilt.
Up to £500 Home Emergency Cover (optional)
Pipe burst at midnight? We could have it fixed before breakfast. We’ll find you a reliable tradesperson and pay towards the cost of labour and parts.
Personal Possessions Cover (optional)
This covers items you or your family normally wear or carry away from the home such as clothing, watches, jewellery or mobile phones. Limits and conditions apply.
A flexible level of cover, with increased protection for your home and its contents.
Up to £115,000 of Alternative Accommodation Cover
We’ll help keep a roof over your head if your home becomes uninhabitable as a result of a claim by covering the cost of similar temporary accommodation while it’s rebuilt.
Standard Accidental Damage Cover
At Plus level our Standard Cover is already included but you also get the option of upgrading to Full Cover, an even higher level of extra protection.
Up to £10,000 Matching Sets Cover
If an item from a bathroom suite, living room suite or kitchen unit (excluding kitchen appliances) is damaged and can't be repaired or an appropriate replacement found, we’ll replace the whole set up to £10,000.
Our most complete level of cover for your home and all the things you own.
Unlimited Buildings and Contents Cover
We won’t ask you to calculate the exact cost of rebuilding your home, or of replacing your general contents.
Unlimited Matching Sets Cover
If an item from a bathroom suite, living room suite or kitchen unit (excluding kitchen appliances) that’s covered by your policy is damaged and can't be repaired, or an appropriate replacement found, we’ll replace the whole set.
Unlimited Alternative Accommodation Cover
We’ll help keep a roof over your head if your home becomes uninhabitable as a result of a claim, by covering the cost of similar temporary accommodation while it’s rebuilt.
This custom cover is tailored to suit, so your unique property and possessions – including art, antiques, jewellery and more – are fully covered. It’s also the right cover for more than one home or thatched, listed or flat-roofed buildings.
Bespoke Buildings and Contents Cover
This custom-built cover protects your unique home and treasured belongings from a wide variety of damage up to the limits you set for your policy.
Up to 5 years of Alternative Accommodation Cover
We’ll help keep a roof over your head by covering the cost of temporary accommodation while your home’s rebuilt.
Full Accidental Damage Cover
This cover provides our highest level of accident protection. Everything from breaking a glass table to spilling red wine on a white carpet is covered.
Each Specialist Home Insurance policy is created to suit, so you’ll speak directly with a dedicated underwriter. We can also offer a number of policy discounts, including ones for selecting a higher excess, improved security and years of experienced homeownership.
Cover levels
Essential
Plus
Premier
Specialist
Buildings
We cover the financial cost of rebuilding or repairing your home if it gets damaged.
£400,000
£1 million
Unlimited**
Bespoke
Contents
We cover the cost of repairing or replacing your belongings in the event of an insured incident.
£50,000
£75,000
Unlimited**
Bespoke
Accidental damage
Buildings Accidental Damage protects you if you put your foot through the ceiling or drill a hole through a water pipe. Contents Accidental Damage protects you in case you accidentally knock over or damage your furniture.
Optional
Standard Cover
Full Cover
Full Cover
Alternative accommodation
If your home becomes uninhabitable as a result of an insured event, we’ll ensure you always have somewhere for you and your family to live, including your pets, until you can move back into your home.
£60,000
£115,000
Unlimited
Up to 5 years
Personal possessions
From your laptop to your credit cards, we’ll cover your personal possessions whether you’re at home, or away from home, anywhere in the world.
Optional
Optional
£2,500***
(option to increase)
Contents sum insured
Matching sets cover****
We’ll cover your matching sets, so if things like matching sofas or kitchen cupboards are damaged and can’t be repaired or replaced, we could replace the whole lot.
None
£10,000
Unlimited
Unlimited
Pedal cycles
We provide you with protection for your pedal cycles if they are lost or damaged.
Optional
Optional
£5,000
£5,000
Garden cover
We offer protection against loss or damage to plants, trees and contents in the open. This includes equipment, furniture and barbecues.
Optional
Optional
£5,000
£25,000
Legal cover
We provide you with a wide range of legal assistance, including professional mediation concerning personal injury, consumer protection, residential, employment and tax issues.
Optional
Optional
£100,000
Optional
Valuables single article limit (unspecified items)
£3,000
£3,000
£3,000
£10,000
**Policy limits apply including legal liability, single item and total valuables limits.
***Single item limits apply.
****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.
Pay with our credit card to earn points for our rewards
Buy Home Insurance from us with our credit card and you’ll earn points towards John Lewis and Waitrose gift vouchers. You can also earn points anywhere Mastercard is accepted.
† For new customers purchasing online. Minimum premiums apply. Discount is automatically applied when you get a quote. 20% discount for Essential, Plus and Premier cover and 15% for Specialist. Discount does not apply to any optional features you select when purchasing Specialist Insurance.
John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales No. 233462.
John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc (Financial Conduct Authority No 416011). 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 plc is an appointed representative of Covea Insurance plc. Its Financial Services Register No. is 416011. John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. The Covea Insurance Registered office address is: Norman Place, Reading, Berkshire, RG1 8DA. Registered in England and Wales No 613259. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Its Financial Services Register No. is 202277.
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