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 and renew with us, year after year.
Our insurance is tried, tested and recommended by 9 out of 10 customers, and we've been awarded Which? recommended Provider 7 years in a row.
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.
Defaqto 5 Star Ratings applies to Premier and Specialist Home Insurance only.
“
Excellent value for money with a name you can trust
Essential cover for your home and its contents, with optional extras for added protection.
Up to £50,000 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.
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.
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, kitchen or living room suite is damaged and can't be repaired or an appropriate replacement found, we’ll replace the whole set up to £10,000.
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.
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. Inner limits and conditions apply.
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.
Unlimited Matching Sets Cover
If an item from a bathroom, kitchen or living room suite is damaged and can't be repaired or an appropriate replacement found, we’ll replace the whole set.
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.
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.
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.
Up to £50,000 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, kitchen or living room suite 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. Inner limits and conditions apply.
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.
Unlimited Matching Sets Cover
If an item from a bathroom, kitchen or living room suite is damaged and can't be repaired or an appropriate replacement found, we’ll replace the whole set.
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.
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.
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.
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 and does not apply to any optional features you select. 20% discount for Essential, Plus and Premier cover and 15% for Specialist.
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).
