Home Contents insurance
Contents cover for the home you’ve created
Choose from three different levels of contents cover to suit your needs, then tailor it with optional extensions.
Terms, conditions, policy limits and exclusions apply.
Contents insurance explained
What is contents insurance?
Contents insurance covers the things you own inside your home - from furniture and electronics to clothing and personal items.
Why do I need it?
If your belongings are damaged, destroyed or stolen, replacing them can be expensive. Contents insurance helps you repair or replace your items, so an unexpected event doesn’t turn into a financial burden.
Examples of what it can cover
Your sofa, TV or laptop damaged by a leak or flood
Clothes, jewellery or gadgets stolen during a break-in
Furniture or belongings destroyed by a fire
Accidental damage, like spilling paint on a carpet (if included in your policy)
Choose what's covered
Compare our contents insurance to find the cover level that suits you.
Tailor your policy
Customise your policy with optional extensions for extra protection where you need it.
Cover to suit your needs
Choose from three cover levels - Bronze, Silver or Gold.
Buildings insurance
We also offer Defaqto rated buildings insurance, to protect the structure of your home.
Contents insurance cover details
Contents insurance
 |  | | |
|---|---|---|---|
| Maximum we'll pay for: | Bronze | Silver | Gold |
Contents | £50,000 | £100,000 | Unlimited |
Alternative accommodation | £10,000 | £15,000 | Unlimited |
Freezer food | £250 | £500 | £750 |
Optional extensions
Tailor your policy with extra cover.
Extended accidental damage
This covers unforeseen and unintentional damage to your contents, such as red wine on your sofa.
Bicycle cover
Up to £15,000 of cover for loss, damage or theft while at home or out and about (maximum of £5,000 per bike).
Excludes mopeds and electrically or battery propelled scooters.
Student cover
Get up to £5,000 of contents cover for your family while they're studying and living away from your home.
Personal possessions cover
Keep your possessions covered when you take them outside the home - including abroad.
Unique homes, special items
Explore our home insurance cover for high value properties, brought to you with our specialist provider Covéa Insurance.
For large, listed or additional homes
Protection for your high-value art, jewellery, antiques and more
Accidental damage cover as standard.
Speak with an underwriting expert on 0800 916 6880.
Calls may be recorded or monitored.
Our partners for home insurance and claims
Enjoy the service you’d expect from John Lewis Money, alongside a policy underwritten by our specially selected insurers - AXA UK, Covéa Insurance and Prestige Underwriting, who will handle claims. Our home emergency and legal expenses add-ons are provided by our expert partner, ARAG Legal Expenses Insurance Company Limited (ARAG LEI).
Bronze / Silver / Gold insurance cover
John Lewis Home Insurance is a trading name of John Lewis Finance Limited. Registered in England and Wales company number 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Pay monthly option for your home insurance is under a contract with Premium Credit Limited (a company registered in England and Wales with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful.
Home Emergency and Home Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number: 103274) (FCA number 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
John Lewis plc is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking and registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England and Wales company number 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Covéa Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.