Home insurance providers
Find out more
John Lewis home insurance
Choose from Gold, Silver or Bronze flexible home insurance and create the perfect policy by selecting from a wide range of optional add-ons.
Why choose John Lewis home insurance?
With its reputation for quality and customer service, it’s not surprising that John Lewis home insurance is very highly rated.
Offering three tiers of cover, the Gold, Silver policies are rated five stars by Defaqto - the top rating by the independent financial comparison service - while Bronze policies are rated four stars.
It also received a five-star rating by Moneyfacts in 2022, while TrustPilot scores John Lewis Finance 3.5 out of five stars from more than 6,503 customer reviews, with 54% rating its insurance policies as excellent^.
Providing three different levels of cover, John Lewis has designed its home insurance policies so they can be tailored to suit your needs and budget, allowing you to mix and match levels for both buildings and contents insurance.
You can also choose from a range of policy add-ons, as well as enjoy several other flexible benefits that come as standard on all policies.
John Lewis home insurance facts
Designed to protect your home against loss or damage from unexpected events like fire, flooding and theft, it’s also useful to know that John Lewis home insurance:
- Provides contents and building cover that can be bought together or separately
- Offers three levels of home insurance: Bronze, Silver, and Gold
- Gives you a range of optional add-ons to choose from, including accidental damage cover
- Allows you to change or cancel your policy at any time, without paying fees
- Won’t charge you more than new customers when it’s time to renew
- Provides ID Theft Cover with all Gold, Silver and Bronze policies
- Offers specialist home insurance for unique homes and high-value contents
What does John Lewis home insurance cover?
Home insurance from John Lewis protects your home and its contents should something unexpected happen.
With John Lewis home insurance, you can take out buildings insurance and contents insurance, either separately or together as a combined policy.
So, if your home were to suffer an event like a fire, flood, or burglary, John Lewis home insurance would provide financial protection if you needed to pay for repairs or replacements.
What does John Lewis buildings insurance cover?
Buildings insurance covers the main structure of your home and its fixtures and fittings, and it also includes outbuildings like car ports or garages.
Each level of John Lewis buildings insurance includes cover for:
- Repairing or rebuilding your home
- Replacement keys and locks
- Trace and access to find the source of a leak and repair damage
- Alternative accommodation
- Public liability
What does John Lewis contents insurance cover?
Contents insurance protects your valuable possessions, like jewellery, furniture and electrical items, and covers items in your home that aren’t part of its structure or fixed to the building.
John Lewis contents insurance policies include cover for:
- Replacing the contents and valuables in your home
- Money in the home
- Business equipment
- Alternative accommodation
- Tenants’ improvements
- Contents in the open, including garden furniture and shrubs and plants
- Frozen food
- Liability - as a tenant, as well as public and occupier’s liability, and employers’ liability
- Utility or fuel charges from accidental loss
- Loss of media downloads
What are the cover levels of John Lewis home insurance?
Home insurance by John Lewis provides you with flexible financial protection, allowing you to choose a level of cover that will suit your needs and your budget.
John Lewis offers three levels of cover: Gold, Silver, and Bronze, which provide different payout limits for each category.
And its flexible cover means you don’t have to choose the same level for both types of insurance, so you could pick Gold for contents and Silver for buildings insurance.
Here are some examples of how the levels work for each type of home insurance:
| Policy type | Bronze | Silver | Gold |
|---|---|---|---|
| Contents insurance Maximum sum insured: | £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 |
| Policy type | Bronze | Silver | Gold |
|---|---|---|---|
| Buildings insurance Maximum sum insured: | £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 |
What optional extras are available?
Providing a range of optional add-ons, John Lewis helps you to tailor and change your cover to suit your circumstances at any time, without being charged admin fees.
-
Accidental damage cover for buildings or contents
Choose either or both to protect your home and its contents from accidental damage, covering you for damage like spills and putting your foot through the ceiling
-
Personal cyber cover
Get up to £10,000 protection against computer problems, cybercrime and attacks, including help to restore your systems and remove viruses
-
Student cover
If you’ve got students in your family, you can get up to £5,000 of contents cover to look after their belongings while they’re away studying
-
Home emergency cover
Buy this as an add on to your buildings insurance to give you emergency home cover with 24-hour help and access to tradespeople
-
Legal expense cover
This will give your family legal protection and peace of mind if you have an issue at home or work and will provide up to £100,000 to help with legal disputes
-
Bicycle cover
Add up to £15,000 of cover for your bikes while you’re at home or out and about, covering you against loss, damage or theft
-
Gadget cover
Add up to £10,000 of cover to protect your gadgets when you’re anywhere in the world
How much does John Lewis home insurance cost?
The amount you’ll pay for John Lewis home insurance will depend on a number of factors, including your home’s location, the size of the property and the level of cover you need.
Bronze level insurance is the cheapest level of cover available, while Gold home insurance provides a higher level of insurance but will cost you more.
Who is John Lewis?
Starting out as a small draper’s shop on London’s Oxford Street in 1864, John Lewis went on to expand and grow into a chain of successful stores across the country.
Today, John Lewis is one of Britain’s best-loved retailers and has become a brand synonymous with providing quality products and excellent customer service.
John Lewis also has a growing online business and in 2016 created John Lewis Finance - providing a trusted alternative to traditional financial services providers. It offers a range of products, from home insurance to personal loans and credit cards.
Compare home insurance quotes
Buy home insurance with us and we’ll refund your excess if you make a claim. Excludes accidental loss and damage claims^
Get quotes^Up to £250 refunded after claim settled. Excludes accidental loss or damage claims. Full T&Cs apply.
Frequently asked questions
Yes, if you pay your premiums monthly your policy will be auto-renewed when your policy’s coming to an end. If you pay annually, you’ll need to follow these steps to renew your policy online.
John Lewis home insurance won’t charge existing customers any more than new customers for the same cover.
John Lewis home insurance is authorised and regulated by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
This helps to make sure that John Lewis home insurance is honest, fair and effective so that customers can get a good deal and can trust the service they’re buying.
Relevant guides:
Admiral home insurance
Find out more
AA home insurance
Find out more
LV home insurance
Find out more
Home insurance
Find out more
[^] Trustpilot data correct as of 7 December 2022.