Home Insurance
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Choose what's covered
Simply pick the cover that includes what you need.
View our full cover details for even more features that come as standard.
| Bronze | Silver | Gold | |
|---|---|---|---|
|
Maximum we'll pay: |
£50,000 | £100,000 | Unlimited |
| Alternative accommodation | £10,000 | £15,000 | Unlimited |
|
Valuables in the home |
£10,000 | £20,000 | £40,000 |
|
Business equipment |
£2,000 | £5,000 | £10,000 |
| Tenants improvements | £10,000 | £15,000 | £20,000 |
|
Contents in the open |
£2,000 | £3,000 | £5,000 |
| Utility or fuel charges from accidental loss | £500 | £1,000 | £5,000 |
| Loss of media downloads | £500 | £1,000 | £5,000 |
| View all cover details | |||
Choose the cover level that suits you and your home.
View our cover details for everything we include as standard.
| Bronze | Silver | Gold | |
|---|---|---|---|
|
Maximum we'll pay: |
£400,000 | Unlimited | Unlimited |
| Alternative accommodation | £50,000 | £100,000 | Unlimited |
| Trace and access | £5,000 | £5,000 | Unlimited |
| Locks and keys | £500 | £750 | Unlimited |
| View all cover details | |||
Need something unique?
We also offer Specialist Home Insurance for unique homes
and high-value contents.
Less fuss. More protection.
All Gold, Silver and Bronze policies include ID Theft Cover. If you fall victim to this growing crime, we'll help you recover your ID and compensate any losses up to £25,000.
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Optional add-ons
Personal cyber cover
With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.
Legal expenses cover
Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.
Accidental damage - contents
Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Bicycle cover
Add up to £15,000 of cover for your bikes while at home or out and about (up to a maximum of £5,000 per bike). We cover against loss, damage or theft. Excludes electric bikes and mopeds.
Student cover
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Gadget cover
Expensive to buy, easy to drop. Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Items (including mobile phones) worth more than £200 will need to be named on your policy. Excludes drones.
Accidental damage - buildings
Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Home emergency cover
In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.
Personal possessions
Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.
Home emergency & boiler cover
Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.
Accidental damage - contents
Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Bicycle cover
Add up to £15,000 of cover for your bikes while at home or out and about (up to a maximum of £5,000 per bike). We cover against loss, damage or theft. Excludes electric bikes and mopeds.
Student cover
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Gadget cover
Expensive to buy, easy to drop. Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Items (including mobile phones) worth more than £200 will need to be named on your policy.
Personal cyber cover
With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.
Personal possessions cover
Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.
Accidental damage - buildings
Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Home emergency cover
In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.
Legal expenses cover
Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.
Home emergency & boiler cover
Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.
Personal cyber cover
With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.
Legal expenses cover
Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.
Accidental damage - contents
Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Bicycle cover
Add up to £15,000 of cover for your bikes while at home or out and about (up to a maximum of £5,000 per bike). We cover against loss, damage or theft. Excludes electric bikes and mopeds.
Student cover
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Gadget cover
Expensive to buy, easy to drop. Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Items (including mobile phones) worth more than £200 will need to be named on your policy. Excludes drones.
Accidental damage - buildings
Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Home emergency cover
In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.
Personal possessions
Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.
Home emergency & boiler cover
Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.
Accidental damage - contents
Add extra cover for accidents that damage your contents, such as red wine on your sofa or a broken glass coffee table. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Bicycle cover
Add up to £15,000 of cover for your bikes while at home or out and about (up to a maximum of £5,000 per bike). We cover against loss, damage or theft. Excludes electric bikes and mopeds.
Student cover
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Gadget cover
Expensive to buy, easy to drop. Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Items (including mobile phones) worth more than £200 will need to be named on your policy.
Personal cyber cover
With personal cyber cover we can offer you up to £10,000 of protection against cyber crimes, online liability actions and damage to your home computer – including professional system restoration and virus removal.
Personal possessions cover
Cover for your possessions when you take them away from home, anywhere in the world - from losing your watch in the sea, to leaving musical instruments on the bus.
Accidental damage - buildings
Extend your Buildings Insurance to cover slips like breaking a window or cutting through a cable. Accidental damage is caused by a sudden, unforeseen and unintentional event.
Home emergency cover
In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair. Our helpline is open 24 hours a day so you can speak to an advisor whenever you need assistance.
Legal expenses cover
Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues, like employment contract and boundary disputes.
Home emergency & boiler cover
Up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, if this boiler is beyond economical repair, we will contribute to the cost of replacing it depending on the age of the boiler. This add-on covers the one main boiler in your property.
No surprises when it's time to renew
If you're an existing customer, you won't pay more than a new customer for the same cover. So, when it's time to renew we'll do all we can to explain the price of your policy clearly, so you know exactly what you're paying for.
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Policy wording
The insurer for John Lewis Home Insurance has recently changed. There are no changes to the policy terms and conditions.
If you are an existing customer, please refer to the policy documents sent to you for the insurer details applicable to your policy, or call us on 0345 608 9001.
Select the relevant link below to view and print your policy document(s).
Gold, Silver and Bronze Cover
- Policy wording
- Policy wording - Legal Expenses Cover (PDF)
- Bronze/Silver/Gold Home Insurance Cover - Insurance Product Information Document (PDF)
- Bronze/Silver/Gold Home Cyber Cover - Insurance Product Information Document (PDF)
- Bronze/Silver/Gold Home Legal Expenses Cover - Insurance Product Information Document (PDF)
- Bronze/Silver/Gold Home Identity Theft Cover - Insurance Product Information Document (PDF)
Specialist Cover
- Policy Wording (for policies taken out or renewed before May 2021) (PDF)
- Specialist Cover Insurance Product Information Document (for policies taken out or renewed before 1 May 2021) (PDF)
- Policy Wording (for policies taken out or renewed from 1 May 2021) (PDF)
- Specialist Cover Insurance Product Information Document (for policies taken out or renewed from 1 May 2021) (PDF)
Please call us on 0800 916 6880 if you wish to request hard copies of your Specialist Home Insurance policy documents.
Frequently asked questions
Home insurance refers to either contents insurance or buildings insurance or a combination of both.
Buildings insurance covers the building, including any outbuildings such as sheds. Buildings insurance generally covers your home against risks including flood, fire and subsidence.
Contents insurance covers the possessions in your home. Contents insurance will cover you against your belongings being stolen and some policies may cover you if something in your home is damaged by accident.
Buildings and contents insurance can be sold separately, but if you need to make a claim, having buildings and contents insurance from the same insurer helps make the process easier.
The amount you pay for home insurance is calculated by looking at many different factors including your home’s location, size, construction type and security levels; the value of your contents; and your claims history.
Essentially, the higher the risk of loss or damage to your property, and the higher the value of the property and the contents, the more you’ll have to pay to insure them.
If your home is seriously damaged – due to flood, for example – we'll find alternative accommodation, similar to your own, for you to live in until you can return home. Limits vary depending on your level of cover.
If it is safe to do so, you should take steps to limit the damage where possible – for example move furniture out of standing water or switch off your water supply to stop a leak.
Yes, these are considered 'valuables', which includes items such as:
- Jewellery
- Articles containing gold, silver or precious metals
- Watches
- Paintings and other works of art
- Stamp, coin or medal collections
- Musical instruments
Each insurance product has a different valuables limit so you can choose the one to suit your needs.
If you have any valuables worth more than £3,000 each, you’ll need to specify them when you get a quote.
If you have any valuables that are worth more than £20,000 each, our Specialist Home Insurance may be more suitable for you. Find out more or speak to an adviser on 0800 916 6880.
Please refer to your policy wording for the full list of cover.
Yes, second homes, holiday homes and let properties can be insured under our Specialist Cover. They aren't covered by our standard Home Insurance, however.
Prefer to call?
Existing customers can reach us on 0345 608 9001
Monday to Friday 9am - 6pm (live chat until 7pm), Saturday 9am - 12pm (live chat only), closed Sunday
What is buildings insurance?
Your home is precious, so it’s important to prepare for the unexpected
John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 233462).
Munich Re Digital Partners - our Bronze / Silver / Gold Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Munich Re Digital Partners Limited, which is authorised and regulated by the Financial Conduct Authority to carry out insurance distribution activities (firm reference number: 804106). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales (company number 10207490).
John Lewis Home Insurance is underwritten by Great Lakes Insurance UK Limited (company number: 13436330). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 955859).
Covéa - our Specialist Home Insurance cover
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc (company number: 613259). Registered office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales.
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
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