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John Lewis Home Insurance - Save 20% online*

Why choose John Lewis Home Insurance?

We’ve always designed our insurance to meet your needs. That’s why we offer three levels of cover, so you can easily find the policy that’s just right for you. And, whichever one you choose, you can be sure that it comes with all the trust, service and quality you’d expect from us:


99% of customers recommend us†


We don’t ask you to itemise individual possessions up to £3,000


If you have a home emergency, we’re on hand 24/7


We’ll find alternative accommodation if you can’t stay in your home††

It only takes a few minutes to get a quote. Just click or call now to find the right cover for you.

Get a quote

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

Quality cover that fits your home

  Essential Plus Premier
Buildings Cover* £400,000 £1 million Unlimited
Contents Cover*  £50,000 £75,000 Unlimited
Alternative Accommodation £60,000** £115,000** Unlimited
Accidental Damage X Standard cover Full cover
Home Emergency Cover Optional (£500) Optional (£1,000) £1,500

If your home has specific cover requirements, no problem. Our Specialist Home Insurance can offer a tailored policy to suit.

Get a quote
2 elements 247x485
Rated 5 out of 5 by from Online insurance Website easy to use with clear options, the site was well laid out
Date published: 2016-11-17
Rated 5 out of 5 by from Good value and precise product Happy with the online application made things very easy to get the correct product cover
Date published: 2016-11-05
Rated 5 out of 5 by from Home Insurance Our home insurance was up for renewal and had been insured with one of the big name insurance companies, but after doing some research for new quotes, JL came up trumps with a very fair premium for excellent cover. The advisor was both helpful and informative.
Date published: 2016-11-01
Rated 5 out of 5 by from Good comprehensive cover
Date published: 2016-10-31
Rated 5 out of 5 by from Telephone follow up really helpful My home & contents insurance was up for renewal and typically my previous supplier wanted to hike the price up. I didn't realise John Lewis offered insurance but discovered through an internet search that they do. I like the company's ethical business model so I completed an enquiry online. I delighted to find out they could save me more than £20 per month but then my computer crashed! I was worried that all the information I had submitted had been lost but I got a call from a representative the next day who was able to activate my insurance straight away. Great service.
Date published: 2016-10-31
Rated 5 out of 5 by from good example of how insurance policy choice should I lookeded at John Lewis after trying several other companies.I was happy with the basic policy price and even more happier with the process allowing me to tailor my other requirements at a very good price.This was an advantage over the other proposals which never allowed me to get exactly what I wanted.This is an excellent system which I thoroughly recommend.I ended up with what I wanted at the price I could accept.
Date published: 2016-10-31
Rated 4 out of 5 by from Home and Contents Insurance I initiated a quotation on line, but the JL website appeared to block my acceptance. I telephoned and spoke to a JL person who was most helpful and the insurance was initiated. The premium was very competitive, as were the benefits of cover
Date published: 2016-10-31
Rated 5 out of 5 by from Excellent policy Your web site was very clear and easy to understand. It gave you all the facts in a very concise way. It offered us all the services we require, at an excellent price. We rang customer services and the gentleman was extremely polite and very helpful. So far it has been a pleasure using your services.
Date published: 2016-10-31
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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.

Home Insurance - A customer's story


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.


More about our Home Insurance