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Some home insurance contents policies will pay for accidental damage to TVs, CD or DVD players and other home entertainment equipment.

However some companies may require you to pay an additional amount to cover things like DIY mishaps and spilling red wine on the sofa.

By 'valuables' we mean non-household goods. For example:

  • jewellery (including costume jewellery)
  • other things made of gold, silver or precious metals
  • cameras, camcorders or binoculars
  • watches
  • furs
  • paintings and other works of art
  • collections, such as stamps, coins or medals


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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Our expert underwriters can create a bespoke policy if you have more specific needs.

For example, if you have valuables worth over £15,000 each or your home has more than six bedrooms or a thatched roof.

Home Insurance policies vary in how much cover they provide and the price you pay. Our Buying guide will help you find the policy to suit you.

This handy guide will give you an idea of the support and help you can expect from us once you've taken out a policy.

Plus, a few tips that will help keep your home and possessions safe and sound.

Questions about your home? Take a look at our articles on everything from preparing your home for winter, to preventing identity theft.