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 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 8 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

Kas_323, South East

Compare our buildings and
contents cover levels

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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