DETAILED COVER FROM
a name you can trust

We understand how much your property and possessions mean to you. That’s why we think about the details that really matter.

Our Premier cover provides Unlimited Alternative Accommodation Cover if you can't stay at home as a result of an insured event.

We offer up to £100,000 in Legal Cover

Our Premier and Specialist cover levels have a 5 Star Defaqto Rating

myWaitrose members get an e-gift card for up to £80 when purchasing our Home Insurance. Just use code MYWRHM. Terms and conditions apply*

RECEIVE AN E-GIFT CARD FOR UP TO £80

As a myWaitrose member, if you take out our Specialist Home Insurance, you’ll get an £80 e-gift card to spend at Waitrose and John Lewis. New Premier cover level customers will receive a £55 e-gift card and new Plus cover customers will get a £30 e-gift card.

Simply use the code MYWRHM and you’ll receive your e-gift card within 60 days of policy start date. Offer ends 31 January 2021.

If you want to speak to us about a Home Insurance quote, please call us on 0330 102 2488 for our Essential, Plus or Premier cover or call 0800 916 6880 for our Specialist cover.

COMPARE OUR BUILDINGS AND
CONTENTS COVER LEVELS

Essential cover for your home and its contents, with optional extras for added protection.

  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
Pedal cycles 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 legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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.

A flexible level of cover, with increased protection for your home and its contents.

  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
Pedal cycles 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 legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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.

Our most complete level of cover for your home and the things you own.

  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
Pedal cycles 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
Student cover Optional Optional Optional £15,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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 custom cover is tailored to suit, so your unique property and possessions – including art, antiques, jewellery and more – are fully covered. It’s also the right cover for more than one home or thatched, listed or flat-roofed buildings.

  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
Pedal cycles 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 legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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.

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, improved security and years of experienced homeownership.

Speak with your expert underwriter on 0800 916 6880

Essential cover for your home and its contents, with optional extras for added protection.

  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
Pedal cycles 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 legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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.

A flexible level of cover, with increased protection for your home and its contents.

  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
Pedal cycles 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 legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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.

Our most complete level of cover for your home and the things you own.

  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
Pedal cycles 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
Student cover Optional Optional Optional £15,000


**Policy limits apply including legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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 custom cover is tailored to suit, so your unique property and possessions – including art, antiques, jewellery and more – are fully covered. It’s also the right cover for more than one home or thatched, listed or flat-roofed buildings.

  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
Pedal cycles 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 legal liability, single item and total valuables limits.

***These limits apply if both buildings and contents are selected. Limits are lower if just one of the covers selected.
****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.

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, improved security and years of experienced homeownership.

Speak with your expert underwriter on 0800 916 6880

What's the right cover for you?

Our Partners

Royal & Sun Alliance Insurance plc has been carefully selected to underwrite Home Insurance from John Lewis Finance.

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



Terms, conditions, limitations, exclusions and eligibility acceptance criteria apply.

* 1. Offer open to new customers only. 2. myWaitrose members purchasing a new Specialist Home Insurance policy in accordance with these terms and conditions before 23:59 on 31 January 2021 will receive a £80 John Lewis Partnership e-gift card. 3. myWaitrose members purchasing a new John Lewis Premier Home Insurance policy before 23:59 on 31 January 2021 in accordance with these terms and conditions will receive a £55 John Lewis Partnership e-gift card. 4. myWaitrose members purchasing a new John Lewis Plus Home Insurance policy before 23:59 on 31 January 2021 in accordance with these terms and conditions will receive a £30 John Lewis Partnership e-gift card. 5. myWaitrose members purchasing a new John Lewis Essential Home Insurance policy will not receive a John Lewis Partnership e-gift card. 6. To qualify for this offer you must be a registered myWaitrose member and purchase a new John Lewis Plus, Premier or Specialist Home Insurance policy and quote the promotional code MYWRHM. 7. This offer does not apply to policies cancelled within 14 days of receipt of policy documents. 8. The £80, £55 or £30 John Lewis Partnership gift card will be sent to the policyholder within 60 days of the policy start date, following the 14-day statutory cancellation period. 9. John Lewis Partnership e-gift cards cannot be exchanged for cash. 10. This offer is limited to one per household. 11. Terms and conditions apply to the use of John Lewis Partnership e-gift card, see www.johnlewis.com/customer-services/prices-and-payment/gift-cards. The Promoter reserves the right to withdraw or amend this offer at any time. 12. This offer is not available to employees or retirees of the John Lewis Partnership, their dependants or their agents or anyone else connected with the Promoter. 13. By entering this offer, entrants will be deemed to have accepted and agreed to be bound by these terms and conditions. 14. This offer and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts. The Promoter is John Lewis Financial Services plc, 171 Victoria Street, London, SW1E 5NN.

† For new customers purchasing online. Minimum premiums apply. We reserve the right to withdraw this offer at any time. Discount is automatically applied when you get a quote. 20% discount for Premier, Plus and Essential 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. 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).