Protecting your home,
inside and out

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. With our combined Buildings and Contents Cover you get top-rated protection for all the structures on your property, and all the things they contain. And if you own a unique home or high-value possessions, our bespoke Specialist Cover was made just for you.

Any questions? Call us 0330 102 2578

Essential cover for your home and its contents, with optional extras for added protection.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £50,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

A flexible level of cover, with increased protection for your home and its contents.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £60,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

Our most complete level of cover for your home and all the things you own.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £60,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

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, property abroad, or thatched, listed or flat-roofed buildings.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £60,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

Bespoke quotes

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.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £50,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

A flexible level of cover, with increased protection for your home and its contents.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £60,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

Our most complete level of cover for your home and all the things you own.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £60,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

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, property abroad, or thatched, listed or flat-roofed buildings.

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £60,000 £115,000 Unlimited Up to 5 years
Personal possessions Optional Optional £2,500
(option to increase)
Contents sum insured
Matching sets cover None £10,000 Unlimited Unlimited for art/antiques jewellery and watches.
50% for all other contents
Pedal cycles cover Optional Optional £5,000 £5,000
Garden cover Optional Optional £5,000 £25,000
Legal cover Optional Optional £100,000 Optional
Valuables single article limit (unspecified items) £3,000 £3,000 £3,000 £10,000

Bespoke quotes

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.

Articles and guides

John Lewis Finance and John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (Registered Company Number 233462). Calls may be recorded and monitored.

John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) 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).

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).

Copyright © John Lewis Partnership
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