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John Lewis Home Insurance - Save 20% online*

Why choose John Lewis Home Insurance?

Choose from Essential, Plus, or Premier Cover to get
the level of cover that’s right for your home.

With Premier Cover, we don’t ask you to estimate the value of your contents or the cost of rebuilding your home because we offer unlimited Buildings and Contents Cover.

Take a look at the benefits that come with Premier Cover.

Tick

Our Unlimited Buildings Insurance can cover
the cost of rebuilding your home
following damage from fire, storms, flooding, subsidence and more.

Tick

With Unlimited Contents Insurance, your valuable items are protected up to £3,000 per item - to a total of £40,000.

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We can protect your belongings wherever you go with Worldwide Personal Possessions Cover up to £25,000. (Unspecified) Single item limits apply.

Find out more about our Essential Cover and Plus Cover.

Policy Limits apply including legal liability, single item and total valuables limits
^ For new customers purchasing online. Minimum premiums apply. Discount is automatically applied when you get a quote

Get a quote
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Rated 5 out of 5 by from The questions asked were explicit and clear and therefore easy to understand and answer, the time to complete the transaction was unbelieveably short.
Date published: 2016-04-06
Rated 4 out of 5 by from Good comprehensive insurance with flexibility Quote was competitive with 20% discount for 1st year and £40 john Lewis gift voucher. However voucher not arrived within the promised 8 week time period which was already a long time after the statutory cancellation period. Now being told to wait 10 weeks - clearly an issue here in the background!
Date published: 2016-04-05
Rated 5 out of 5 by from Good Insurance Deal Online application was easy and swift, and good value with 20 per cent discount
Date published: 2016-03-23
Rated 5 out of 5 by from home insurance helpfulness of staff at the end of the telephone and very polite and cheerful.
Date published: 2016-03-14
Rated 3 out of 5 by from good service it was fairly straight forward getting it done on the phone and everything was quite clearly explained
Date published: 2016-03-13
Rated 4 out of 5 by from Simple to order I used comparison sites but by the time I added on all the extras, reduced the excess etc it was cheaper to go with the John Lewis one. Haven't needed to claim though, which is the real test of the policy.
Date published: 2016-03-10
Rated 5 out of 5 by from Good offer With the initial offer this was a competitive quote with excellent cover
Date published: 2016-03-10
Rated 5 out of 5 by from Good value for money Very well set out with clear definitions and alternative levels of cover.
Date published: 2016-03-10
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Feedback from our customers helps us offer you the best possible service. The reviews above outline the opinions of our customers, who are asked to consider a range of criteria and to give an overall rating. These views are those of individual customers and are based on their experience of their product, policies and received services.

Choose from three levels of cover

  Essential Plus Premier
Buildings Cover £400,000 £1 million Unlimited
Contents Cover £50,000 £75,000 Unlimited
Accidental Damage Optional Standard cover Full cover
Valuables at Home £10,000 £20,000 £40,000
Alternative Accommodation £60,000** £115,000** Unlimited
Personal Possessions Optional Optional £2,500
Matching Sets Cover Not included £10,000 Unlimited
Pedal Cycles Cover Optional (£2,500) Optional (£5,000) £5,000
Garden Cover Optional (£5,000) Optional (£5,000) £5,000
Home Emergency Cover Optional (£500) Optional (£1,000) £1,500
Legal Cover Optional (£100,000) Optional (£100,000) £100,000
Student Cover Optional (£5,000) Optional (£5,000) Optional (£5,000)

 

** If Buildings and Contents Cover selected.
Policy Limits apply, including legal liability, single items and total valuables limits.

Home Insurance FAQs


What does Home Emergency Cover include?

If you have Home Emergency Cover included in your Home Insurance, our trained advisors are available 24 hours a day to advise on how to minimise the impact of an emergency.

They will arrange for a qualified tradesperson to come out to you often within two hours, to make emergency repairs to your home if it isn't secure, becomes unsafe, or loses its main source of heating, lighting or water (hot or cold) because of:

Failure or damage to plumbing or drainage system of your home 

Failure of the primary heating system

Failure of the electricity supply 

Your roof no longer being watertight

Damage to or breakage of window frame or panes.

Home Emergency cover also provides cover for the removal of vermin (rats, mice, squirrels, or wasps).


It doesn't cover: 

The normal day-to-day maintenance of the property

Boilers over 15 years old or with an output of 60kW or more

Boilers not serviced in accordance with the manufacturer’s guidelines.

Your options:

Essential Cover: up to £500 of cover
Plus Cover: up to £1,000 of cover 
Premier Cover: automatically included, up to £1,500.

If you live in rented accommodation, Home Emergency Cover isn't available.

RSA and JLI logos

We have carefully selected Royal & Sun Alliance Insurance plc to underwrite John Lewis Home Insurance.

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

John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). John Lewis plc is an appointed representative 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). Calls may be recorded and monitored.

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