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Why choose John Lewis
When you buy any John Lewis Home Insurance policy as a new customer, you will receive a gift card up to £40 to spend at John Lewis and Waitrose.
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.
Our Unlimited Buildings Insurance can cover the cost of rebuilding your home following damage from fire, storms, flooding, subsidence and more.
With Unlimited Contents Insurance, your valuable items are protected up to £3,000 per item - to a total of £40,000.
We can protect your belongings wherever you go with Worldwide Personal Possessions Cover up to £25,000. (Unspecified) Single item limits apply.
Choose from three levels of cover
|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|
|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.
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.
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.
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.