Specialist home insurance

High-value homes and valuable personal possessions deserve an insurance service to match. So we’ve taken the time to provide the kind of bespoke cover that will meet your expectations.

Do you need high-value home insurance?

You should certainly consider it if any of the following apply:

  • Your home has 7 or more bedrooms

  • Your home is a listed building, or was built before 1800

  • You own valuables with a combined worth of over £40,000 (such as jewellery, watches and works of art)

  • Your home contains one item worth more than £20,000

Not sure you need it? Find out more about our other home insurance cover levels.

Don't take our word for it

"Great company for specialist insurance with a knowledgeable and personable representative."

Mrs E, Trustpilot review (March 2021)

To speak with your expert underwriter or for any queries, call us on 0800 916 6880

What's included?

Ours is a fully bespoke policy, but here are some of the most popular features:


All risk worldwide cover for contents including electronic devices, jewellery and watches

Alternative Accommodation Cover (up to 5 years) with somewhere to call home while your home is rebuilt

Bespoke art and antiques cover with an expert underwriting and claims service

Bespoke jewellery and watches cover to protect your valuables anywhere in the world

Cyber Cover up to £50,000 for connected home devices, cybercrime and identity theft

Accidental damage included as standard

Environmental upgrades up to £10,000 to meet new regulations


See our policy wording and insurance product information documents for an explanation of exactly what’s covered.

If you own a second home, find out how to protect it against damage, misuse or intrusion.

Find out how our specialist cover can protect your high-value art, antiques and jewellery.

Our specialist cover can help you meet the particular expense of repairing listed buildings.

Bonus cover features

Our Specialist cover also provides a few handy extras to protect you against the unexpected and help out if unlikely events happen.


Free Leakbot

Water leaks are a serious threat to your property and possessions. The cost of fixing leaks has risen significantly in recent years. But early detection will spare you a lot of expense and inconvenience.

That’s where LeakBot comes in.

By identifying hidden leaks, it can help you resolve the problem before it becomes more serious.

Simple and quick set-up with a smart device that easily attaches to your cold water pipe without specialist tools or trouble

Alerts you by phone at the first sign of trouble - identifying leaks before they become a serious problem

Expert repair from a LeakBot engineer who will immediately find and fix the problem

‘Always on’ monitoring to detect leaks, whether visible or not

Find out more about LeakBot

Golf Cover

Partial to a round of golf at your favourite club? We've built in some additional golfing covers. That way, you can concentrate on improving your handicap.

For example, if you achieve a hole in one at an official golf competition, we’ll pay £500 to cover the cost of the celebrations. Please get the club secretary to authenticate the scorecard before submitting it to us.

If your golf clubs are lost or damaged, we’ll pay up to £50 per day (to a maximum of £500) for the hire of replacement clubs or any you hire or borrow while playing golf beyond the territorial limits. An invoice for the cost of hire must be submitted to verify your claim.

Policy wording

Our partner

Covéa Insurance plc has been carefully selected to underwrite Specialist Home Insurance from John Lewis.

Home insurance guides

John Lewis can provide bespoke home insurance for your second property.

Get peace of mind with cover for theft and loss of your valuable jewellery, rings and watches.

Owning a listed building is like owning a little piece of history but it can be costly.

John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). 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).