We'll cover all the things
you treasure

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 our Premier and Specialist Home Insurance has a 5-star rating from Defaqto.

You don't have to tell us every time you buy something, because we don't ask you to list individual items under £3000.

With an approved claim, we make sure you – and your pets – have somewhere to live if you can’t stay in your home.

 

Compare our contents
cover levels

Essential cover for your belongings, with optional cover for accidental damages.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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 built-in protection for accidental damages.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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 personal belongings at home or abroad.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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

 

**Policy limits apply including single item and total valuables limits.

***Single item limits apply.

****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

This bespoke, high-quality cover for high-value contents can be perfectly tailored to protect your most valuable possessions. If you own expensive items, this custom cover is just for you.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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 and improved security.

Essential cover for your belongings, with optional cover for accidental damages.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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 built-in protection for accidental damages.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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 personal belongings at home or abroad.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited** Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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

 

**Policy limits apply including single item and total valuables limits.

***Single item limits apply.

****If one item of the living room suite, for example, is damaged and cannot be repaired or replaced we could replace the whole set.

This bespoke, high-quality cover for high-value contents can be perfectly tailored to protect your most valuable possessions. If you own expensive items, this custom cover is just for you.

Cover levels

  Essential Plus Premier Specialist
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £10,000 £15,000 Unlimited 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 and improved security.

If you have a Home Insurance policy from John Lewis Finance, select the relevant link below to view and print your policy document(s).

Premier Select


Premier Cover


Plus Cover


Essential Cover


Specialist Cover

If you bought your policy before 1 July 2018 or renewed before 1 August 2018:


If you bought your policy after 1 July 2018 or renewed your policy after 1 August 2018:

Articles and guides

*Based on 567 customers.

† 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 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.

Copyright © John Lewis Partnership
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