Why choose Home Insurance
from John Lewis Finance?

Peace of mind, when it matters most

If there’s an emergency in your home, you might need help straightaway. The last thing you'll want to worry about is trying to find a tradesperson you can trust to come and fix the problem. That’s why with our Home Emergency Cover, all you need to do is call our 24 hour Home Emergency helpline and we’ll arrange for one of our specially selected tradespeople to come out to you.

In fact, in 93% of cases we'll get someone to you in four hours (for non-gas issues), or 96% in 24 hours (for gas issues) (CET customer data, March 2016 - February 2017). But, they'll always arrange a time to suit you.

During very busy times, like after a winter storm, it might take us a little longer, but we’ll always provide help as quickly as possible.

What’s more, we’ll pay the cost of the repair, parts and call out charges for the emergency work, up to the value of:

£500 for Essential Cover

£1,000 for Plus Cover

£1,500 for Premier and Specialist Cover

Home Emergency Cover can be added to your Essential or Plus Cover. For Premier cover or Specialist Home Insurance this comes as standard.

What does it cover?

Home Emergency Cover deals with situations that, if not dealt with immediately, will make your home unsafe or insecure, cause damage to your home or its contents or result in your home losing its main source of heating, lighting or water.

Typical examples of home emergencies are:

Heating failure** if the primary source of heat for your home, for example your boiler, breaks down.

Burst internal pipes or leaking radiators, if they're causing damage to your property.

Electricity supply failure should your whole supply fail within the property.

Blocked drains or sewage pipes belonging to your home, if they are causing damage to the property

Broken or damaged windows that mean the property isn’t secure

Rats, mice, squirrels or wasps' nests inside the property.

Home Emergency Cover does not include everything which you may regard as an emergency. It does not cover normal day-to-day household maintenance or repairs that need to be carried out periodically, such as descaling water pipes or dealing with leaking taps.

** Heating Failure excludes: 1. Normal day-to-day maintenance of the system/facility. 2. Boilers over 15 years old or beyond economical repair. 3. Boilers with an output of 60kW or more. 4. Boilers not serviced by a qualified tradesperson within 15 months of last service.

What's included?

The reassurance that comes with access to our 24 hour emergency helpline. We’ll provide access to advice and help with the cost of home emergency assistance. Our approved tradespeople, including locksmiths, plumbers, carpenters, on hand to help you get back to normal after an emergency.

How we pick our tradespeople

Our team of tradespeople are on hand to carry out urgent work 24 hours a day, 7 days a week.

They're specially selected by our provider, to offer you the best possible assistance. All of our selected tradespeople have the correct qualifications, including Gas Safe for all heating engineers. We also check recommendations from previous customers.

Essential, Plus and Premier Home Insurance: a special team of auditors are on hand to monitor contractors in the first months they are in the network.

Specialist Home Insurance: the networks are procured following a rigorous tender process. Performance is continuously monitored, including compliance with service level agreements, and annual audits. The VIP claims process includes proactive calls to customers and networks so as to drive claims to a swift and satisfactory conclusion.

If you find yourself in an emergency at home it’s important that you contact us first. We can assess what’s happened and get the right tradesperson out to help you.

Contact Home Emergency Assistance

Cover levels

  Essential Plus Premier Specialist
Buildings £400,000 £1 million Unlimited Bespoke
Contents £50,000 £75,000 Unlimited Bespoke
Accidental damage Optional Standard Cover Full Cover Full Cover
Alternative accommodation £60,000* £115,000* 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

*Only applicable if Buildings and Contents cover is selected.


Home insurance refers to either contents insurance or buildings insurance or a combination of both.

Buildings insurance covers the building, including any outbuildings such as sheds. Buildings insurance generally covers your home against risks including flood, fire and subsidence.

Contents insurance covers the possessions in your home. Contents insurance will cover you against your belongings being stolen and some policies may cover you if something in your home is damaged by accident.

Buildings and contents insurance can be sold separately, but if you need to make a claim, having buildings and contents insurance from the same insurer helps make the process easier.

The amount you pay for home insurance is calculated by looking at many different factors including your home’s location, size, construction type and security levels; the value of your contents; and your claims history.

Essentially, the higher the risk of loss or damage to your property, and the higher the value of the property and the contents, the more you’ll have to pay to insure them.

Yes, 'valuables' are non-household goods, such as:

  • Jewellery (including costume jewellery)
  • Other things made of gold, silver or precious metals
  • Cameras, camcorders or binoculars
  • Watches
  • Furs
  • Paintings and other works of art
  • Stamp, coin or medal collections

Each insurance product has a different valuables limit so you can choose the one to suit your needs.

If you have any valuables worth more than £3,000 each, you’ll need to specify them when you get a quote.

If you have any valuables that are worth more than £20,000 each, our Specialist Home Insurance may be more suitable for you. Find out more or speak to an adviser on 0800 916 6880.

John Lewis Finance and John Lewis Insurance are 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 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).

Copyright © John Lewis Partnership
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