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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 Great Insurance! I checked several comparison websites for home insurance quotes and John Lewis was offering the same cover as my previous insurer at a lower premium
Date published: 2016-10-19
Rated 4 out of 5 by from Easy to understand and competitive quote I bought this house and contents insurance on the Internet. The questionnaire was well structured and the website was very easy to navigate. The quote was available within seconds and it was easy to look at options e.g. excess level.
Date published: 2016-10-19
Rated 5 out of 5 by from Great price and even better getting a free gift! After looking around for a competitive quote i stumbled across John Lewis. Very competitive price and getting a free Hive Nest product made it an unbeatable offer.
Date published: 2016-10-16
Rated 5 out of 5 by from House and home insurance Ones house is the biggest investment one can make and it is wise to cover it by means of Insurance.
Date published: 2016-10-16
Rated 4 out of 5 by from Good value insurance After looking at my insurance quote from my insurer I looked online and got a quote from JL. It proved to be really good value, especially with a 20% discount for new customers and a £50 gift card too. Downside, after getting an online quote I received several 0800 phone calls. I didn't answer them, but no messages were left, I did find out that they were from JL insurance so answered the next one and told them that I had bought their insurance. I would have appreciated a message rather than the phone clicking off.
Date published: 2016-10-15
Rated 5 out of 5 by from cheap as chips + free gift cost and cover the same as the alternatives but I got a free NEST smoke alarm - result
Date published: 2016-10-15
Rated 5 out of 5 by from Pleased with purchase of this insurance Customer service good, free smoke/carbon detector a nice gesture.
Date published: 2016-10-14
Rated 5 out of 5 by from Great Insurance Needed to update my home and contents insurance. John Lewis gave me a cheaper choice that covered all I needed. The sales assistant was very helpful, and home grown! So no having to deal with someone from abroad who would not understand all my needs and knew where I lived. The policy explains everything in great detail.
Date published: 2016-10-13
  • 2016-10-26T06:42CST
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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.

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