Home insurance covers the cost of repairing or rebuilding your home, or replacing the contents in it if they're damaged, lost or stolen. You can insure your building or the contents of your home - or both.
Home insurance policies differ in the levels of cover they offer. If you choose a "sum insured" policy - which provides a specified level of cover to replace your contents and rebuilding your home – you'll need to estimate the value of everything in your home as well as the cost of rebuilding it. However, a number of home insurance policies - including our Premier Cover – offer home insurance without this limit so you don't have to work out a particular amount.
If your home is unique - for example, if it has a large number of bedrooms or a thatched roof - a standard policy may not give you the amount of insurance you need. Our Specialist Home Insurance offers cover for non-standard buildings and construction types, including thatched or flat roofs, listed buildings and homes with more than six bedrooms.
Home insurance policies usually include cover for valuable items such as jewellery, watches, works of art and paintings. However, many policies require you to specify items over a certain amount.
With Home Insurance from John Lewis Finance, our Premier Cover provides up to £3,000 cover for single items, and up to £40,000 to cover all your valuables. Any valuable item worth over £3,000 needs to be individually specified.
Our Specialist Home Insurance offers unlimited cover for single items (depending on value, items may need to be specified), with no maximum limit for total valuables. We also offer Specialist Contents Insurance for fine art and antiques.
John Lewis Finance and John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (Registered Company Number 233462). Calls may be recorded and monitored.
John Lewis plc is an appointed representative (Financial Conduct Authority number 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 Insurance is a trading name of John Lewis plc. John Lewis plc is an appointed representative (Financial Services Register No. 416011) of Covea Insurance plc. John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered in England and Wales No. 613259. Registered office Norman Place, Reading, RG1 8DA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202277).