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Switching home insurance


Switching your home insurance is easier than you might think and it’s wise to shop around. Not only could you make savings, but you might also get a better standard of customer service and a policy that better suits your needs.

Head of Commercial at John Lewis Insurance John Brady looks at what to consider if you’re thinking of switching.

Q & A with John Brady

Q. What’s your background and what experience do you have in providing advice about home insurance?

Quotation MarksIf you’re thinking of switching your Home Insurance, there’s no need to wait for your renewal date.Quotation Marks

A. I've worked in financial services for 20 years, including banking, credit cards and insurance. The last five have been spent at the John Lewis Partnership, where I’ve helped to launch and develop John Lewis Insurance, including our personal insurance cover for cars, weddings, pets, homes, events and travel.

Q. Which features should I look for in a home insurance policy?

A. Firstly, think about whether you need both buildings and contents, or just one. John Lewis Home Insurance offers a wide range of cover, with options to help you choose the right cover.

Every provider and policy is different, so do check the small print and the things it doesn’t include before you buy. Getting the best policy for your money is important, so shop around as it might be worth paying a little more for extra peace of mind.

Expert tips: What you should consider when you’re deciding whether or not to switch your home insurance?

  • Think about accidental damage cover

Accidental damage cover protects you in the event of a one-off mishap, such as wine being accidentally spilled on your carpet. Some policies offer this as an optional extra so check what's included in your policy.

  • What happens if your home’s damaged and you can’t live in it?

If your home becomes uninhabitable following loss or damage covered by the policy and you have to stay elsewhere while repairs are carried out, our Alternative Accommodation Cover means we could pay for suitable alternative accommodation for you, your family and even your pets.

  • Look at details that show your insurer goes the extra mile

A good quality home insurance policy will give you extras as standard. Many policies will cover you for a damaged sofa, but John Lewis Home Insurance also offers Matching Sets Cover as part of our Plus and Premier Cover. If, for example, your sofa is damaged and we can’t find a matching replacement we’ll replace the whole set. Policy limits apply.

  • Will your insurer help you with a home emergency?

It’s reassuring to know that if something does go wrong you could get help day or night if you've taken out our Home Emergency Cover. 

Home emergency cover is often the kind of policy you have to take out separately, for example through your utilities supplier, but John Lewis Home Insurance offers a 24 Hour Home Emergency Service. If a pipe bursts in your house, making it unsafe or risking further damage to your home or contents, we could find a reliable tradesperson and pay up to £1,500 towards parts and labour.

  • Make sure your belongings are safe outside the home

Many home insurance policies offer cover for this, but do check the limits as some can be quite low. John Lewis Home Insurance can provide Worldwide Personal Possessions Cover of up to £25,000 with our Premier Cover. Single item limits apply.

  • Switch wisely

If you’ve decided you want to switch, here are some tips on how to do it:

- Switching should be free, and John Lewis Home Insurance certainly won’t charge you to do it. Shop around for another provider, and take into account that offers may only be applicable in the first year. Sometimes your existing insurer will try to charge a fee for you to switch, but some insurers will help towards that as an incentive to switch. You may also lose your no claims discount if you switch your insurance provider.

- Price comparison websites might be worth a look, but remember it’s not always the cheapest deal that’s the best.

- John Lewis Home Insurance makes the switch quick and easy. Why not get a quote now? Just answer a short series of questions, and we’ll guide you through the process.


If you pay annually and your details haven't changed, you can renew online. Customers paying via Direct Debit will automatically be renewed.
If you need to update or cancel your policy, call us on 0845 078 7567.

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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.

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