High-Value Home Insurance
Specialist home insurance
High-value homes and personal items deserve an insurance service to match, to give you peace of mind.
We’ve taken the time to provide bespoke cover to take another worry off your mind. Our UK-based insurance specialists will personally manage your claims from beginning to end.
Do you need high-value home insurance?
This product may be appropriate for you if any of the following apply:
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
Your home has 7 or more bedrooms
You own UK secondary homes or holiday homes
Not sure you need it? Find out more about our other home insurance cover levels.
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 (for up to 5 years) if your home is made uninhabitable by an insured event
Up to £10,000 payment for environmental and green upgrades when rebuilding your home
Bespoke cover for art, antiques, jewellery and watches with expert underwriting
Cyber security insurance up to £50,000 for connected home devices in the event of cybercrime, such as identity theft
Accidental damage cover included as standard
Home emergency cover with 24 hours helpline
DAS legal expenses cover (optional add on)
See our policy wording and insurance product information documents for an explanation of exactly what’s covered.
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.
Replacement of partially damaged item
Extended Replacement Cover
Flood and Water Leakage Prevention Measures
How do claims work for Specialist Home Insurance?
Our job is to make it as easy and hassle-free as possible if you need to make a claim. As part of our multi-award-winning claims service, we make the following commitments to you:
No claim forms to complete
Response to all queries within two working days
Your own experienced and UK-based claims manager who will personally manage your claim from start to finish
Choose your own contractor or supplier with our agreement or have us assign one for you
We will pay your claim within two working days of agreeing to the settlement amount.
Is High Value Home Insurance right for you?
Everyone has different requirements when it comes to protecting their home and contents, which is why we also offer a flexible Home Insurance product with three more levels of cover – Bronze, Silver and Gold.
Frequently asked questions
Yes. We cover accommodations, such as bed & breakfasts, for up to six paying guests. However, we won’t be able to cover loss or damage to your home caused by malicious acts, or tenants and paying guests unless force and violence was used to gain entry or exit to the property.
Your policy will include loss or damage to contents in your home belonging to (non-paying) guests for up to £10,000 provided such contents are not otherwise insured. The maximum amount we will pay for any one article is £500.
Please note that this policy does not apply to malicious acts, or to tenants’ and paying guests’ contents unless force and violence are used to gain entry or exit.
We can provide cover for eligible flood-risk areas and properties that have previously been flooded, as part of the Flood Re initiative. We’re proud to help our customers protect themselves against flooding and your family's safety and well-being. In fact, we were one of the first Specialist Home insurers to provide Flood Re cover, and have provided this since 2016.
If you haven't had a full survey recently, we may decide to provide a valuation at your underwriter's discretion to ensure that you have the right cover. This will be a desktop valuation and an independent survey of your property conducted remotely using Ordnance Survey data and various other tools.
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: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (registration no. 613259).