Choose from Gold, Silver or Bronze flexible home insurance and create the perfect policy by selecting from a wide range of optional add-ons.
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 4.3 out of five stars from more than 3,600 customer reviews, with 62% 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.
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:
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.
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:
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:
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:
|Contents insurance Maximum sum insured:||£50,000||£100,000||Unlimited|
|Valuables in the home||£10,000||£20,000||£40,000|
|Buildings insurance Maximum sum insured:||£400,000||Unlimited||Unlimited|
|Trace and access||£5,000||£5,000||Unlimited|
|Locks and keys||£500||£750||Unlimited|
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.
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
Get up to £10,000 protection against computer problems, cybercrime and attacks, including help to restore your systems and remove viruses
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
Buy this as an add on to your buildings insurance to give you emergency home cover with 24-hour help and access to tradespeople
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
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
Add up to £10,000 of cover to protect your gadgets when you’re anywhere in the world
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.
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.
Royal & Sun Alliance Insurance Ltd is the underwriter for John Lewis home insurance.
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.
[^] Trustpilot data correct as of 31 May 2022.