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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.


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.

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

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.

Get a quote

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.

Rated 5 out of 5 by from Home Insurance I was very happy with the initial telephone service & the very prompt follow up
Date published: 2015-11-20
Rated 4 out of 5 by from Good Comprehensive Policy Bought this on line and very happy with the product and the cover
Date published: 2015-11-20
Rated 5 out of 5 by from Very competitive and comprehensive I was genuinely surprised to find the insurance which was very comprehensive came at a competitive price.
Date published: 2015-11-19
Rated 4 out of 5 by from All worked well The purchase process worked well and the product seems fine and competitive. One small point is that I never give our telephone number away to sites like Money Saving Expert etc. The rubbish phone number I entered was carried across into our policy document. This is common practice and you need to change your process to deal with it.
Date published: 2015-11-19
Rated 3 out of 5 by from So far so good It appears reasonable value but will only be as good as the result should we need to claim.
Date published: 2015-11-18
Date published: 2015-11-18
Rated 5 out of 5 by from Excellent Policy Recently purchased this new to me policy, it is very comprehensive and only slightly dearer than the renewal quote from my existing insurers but offering a no strings (Premium) policy. I hope I never have to need it services but it gives me peace of mind at a very competative price.
Date published: 2015-11-18
Rated 5 out of 5 by from Excellent Home Insurance I am happy that I have got the best contents and building insurance.
Date published: 2015-11-15
  • 2015-11-24T06:42CST
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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.

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.