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 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.
Defaqto 5 Star Ratings apply to Premier and Specialist Home Insurance only.
“
Very happy with insurance purchase. Found the whole experience, from start to finish very professional, and I am very happy with the price and cover contents.
Essential cover for your buildings, with optional cover for accidental damages.
Up to £60,000 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.
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
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
£100,000
Unlimited
Up to 5 years
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.
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.
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
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
£100,000
Unlimited
Up to 5 years
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.
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.
Full Accidental Damage Cover
This cover provides our highest level of insurance against accidental damage. So whether it’s breakage to glass windows or to drains and pipes, you're covered in the case of an insured event.
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.
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
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
£100,000
Unlimited
Up to 5 years
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.
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.
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
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
£100,000
Unlimited
Up to 5 years
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
**Policy limits apply to legal liability cover.
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 buildings, with optional cover for accidental damages.
Up to £60,000 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.
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
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
£100,000
Unlimited
Up to 5 years
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.
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.
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
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
£100,000
Unlimited
Up to 5 years
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.
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.
Full Accidental Damage Cover
This cover provides our highest level of insurance against accidental damage. So whether it’s breakage to glass windows or to drains and pipes, you're covered in the case of an insured event.
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.
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
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
£100,000
Unlimited
Up to 5 years
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.
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.
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
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
£100,000
Unlimited
Up to 5 years
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
**Policy limits apply to legal liability cover.
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.
You’ll earn double points towards John Lewis and Waitrose vouchers when you buy any Insurance policy from us with your Partnership Card up front and in full. You can also earn points anywhere Mastercard is accepted.
† For new customers purchasing online. Minimum premiums apply. We reserve the right to withdraw this offer at any time. Discount is automatically applied when you get a quote. 20% discount for Premier, Plus and Essential cover and 15% for Specialist. Discount does not apply to any optional features you select when purchasing Specialist Insurance.
John Lewis plc is an appointed representative (Financial Conduct Authority no. 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 plc is an appointed representative (Financial Conduct Authority no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered Office: Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales (registration no. 613259).
