BUILT TO COVER THE MOST IMPORTANT PLACE IN THE WORLD
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 has 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.
Choose from four different levels of cover, as well as optional extras to suit your needs.
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Excellent value for money with a name you can trust
Essential cover for your buildings, with optional cover for accidental damages.
Up to £50,000 of Alternative Accommodation Cover
We'll help keep a roof over your head if your home becomes uninhabitable due to a claim by covering the cost of similar temporary accommodation while it's rebuilt.
Full Accidental Damage Cover (optional)
This cover provides our highest level of protection against accidental damage. So whether it’s glass breakage to windows or construction damage to drains and pipes, you’re covered.
Up to £500 of Locks and Keys Cover
We’ll help you stay secure at home if you damage a lock or lose your keys by covering the cost to change locks to outside doors of your home, or to safes and alarms in your home.
A flexible level of cover with built-in protection for accidental damages.
Up to £100,000 of Alternative Accommodation Cover
We'll help keep a roof over your head if your home becomes uninhabitable due to a claim by covering the cost of similar temporary accommodation while it's rebuilt.
Standard Accidental Damage Cover
This level of protection provides good coverage against accidental damage. It protects against things like glass breakage to windows and construction damage to drains and pipes.
Up to £500 of Locks and Keys Cover
We’ll help you stay secure at home if you damage a lock or lose your keys by covering the cost to change locks to outside doors of your home, or to safes and alarms in your home.
Our most complete level of cover for your buildings, so you don’t have to worry about being underinsured.
Unlimited Buildings Cover
Never worry about being underinsured, because we won’t ask you to calculate the exact cost of rebuilding your home.
Unlimited Alternative Accommodation Cover
We'll help keep a roof over your head if your home's uninhabitable due to a claim, by covering the cost of temporary accommodations while it's rebuilt.
Full Accidental Damage Cover
This cover provides our highest level of protection against accidental damage. So whether it’s breakage to glass windows or to drains and pipes, you’re covered.
This is bespoke cover that can be perfectly tailored to suit your particular circumstances, so you can rest assured that your home is fully covered.
Bespoke Buildings Cover
If you own more than one home, property abroad, or a thatched, listed or flat-roofed building, this individually crafted cover was created just for you.
Up to 5 years of Alternative Accommodation Cover
We'll help keep a roof over your head if your home's uninhabitable as a result of a claim by covering the cost of temporary accommodations while it's rebuilt.
Up to £25,000 to reinstate landscaped gardens
A beautiful garden is a treasure. So if yours is accidentally damaged, we’ll cover the costs incurred to repair it up to your limit.
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 and improved security.
Essential cover for your buildings, with optional cover for accidental damages.
Up to £50,000 of Alternative Accommodation Cover
We'll help keep a roof over your head if your home becomes uninhabitable due to a claim by covering the cost of similar temporary accommodation while it's rebuilt.
Full Accidental Damage Cover (optional)
This cover provides our highest level of protection against accidental damage. So whether it’s glass breakage to windows or construction damage to drains and pipes, you’re covered.
Up to £500 of Locks and Keys Cover
We’ll help you stay secure at home if you damage a lock or lose your keys by covering the cost to change locks to outside doors of your home, or to safes and alarms in your home.
A flexible level of cover with built-in protection for accidental damages.
Up to £100,000 of Alternative Accommodation Cover
We'll help keep a roof over your head if your home becomes uninhabitable due to a claim by covering the cost of similar temporary accommodation while it's rebuilt.
Standard Accidental Damage Cover
This level of protection provides good coverage against accidental damage. It protects against things like glass breakage to windows and construction damage to drains and pipes.
Up to £500 of Locks and Keys Cover
We’ll help you stay secure at home if you damage a lock or lose your keys by covering the cost to change locks to outside doors of your home, or to safes and alarms in your home.
Our most complete level of cover for your buildings, so you don’t have to worry about being underinsured.
Unlimited Buildings Cover
Never worry about being underinsured, because we won’t ask you to calculate the exact cost of rebuilding your home.
Unlimited Alternative Accommodation Cover
We'll help keep a roof over your head if your home's uninhabitable due to a claim, by covering the cost of temporary accommodations while it's rebuilt.
Full Accidental Damage Cover
This cover provides our highest level of protection against accidental damage. So whether it’s breakage to glass windows or to drains and pipes, you’re covered.
This is bespoke cover that can be perfectly tailored to suit your particular circumstances, so you can rest assured that your home is fully covered.
Bespoke Buildings Cover
If you own more than one home, property abroad, or a thatched, listed or flat-roofed building, this individually crafted cover was created just for you.
Up to 5 years of Alternative Accommodation Cover
We'll help keep a roof over your head if your home's uninhabitable as a result of a claim by covering the cost of temporary accommodations while it's rebuilt.
Up to £25,000 to reinstate landscaped gardens
A beautiful garden is a treasure. So if yours is accidentally damaged, we’ll cover the costs incurred to repair it up to your limit.
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 and improved security.
Articles and guides
Storm damage
Here are some great tips to help you get back on your feet fast if a storm damages your home.
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 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 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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