* For new customers purchasing online. Minimum premiums apply.
Get the level of cover that’s right for your home with John Lewis Home Insurance. Choose from Essential, Plus and Premier Cover to get the level of cover that suits your needs.
Take a look at the benefits that come with our Premier Cover:
- Unlimited Buildings and Contents Insurance.**
- Accidental Damage Cover for buildings and contents.
- Worldwide Personal Possessions Cover up to £25,000 (unspecified).†
- 24 hour Home Emergency service.
** Policy limits apply including legal liability, single item and total valuables limits.
† Single item limits apply.
You won’t be left out in the cold in an emergency
John Lewis Buildings and Contents Insurance includes cover for you and your family if your home becomes uninhabitable. So if you’ve made a claim we’ll make sure there’s a roof over your head until you can return to your own home.
What is alternative accommodation?
If your home’s uninhabitable as a result of damage covered by your Buildings and Contents Insurance, we’ll provide cover so everybody who lives there is temporarily re-housed in suitable accommodation. We look at providing a home similar to yours: this could be a hotel if you only need a couple of nights or a rental property if the damage takes longer to repair. There’s also the option to stay with friends or family and we may provide you with an allowance for food.
Are my pets covered too?
Yes, cats and dogs are covered along with everyone who normally lives at the house.
What about the contents of my home?
If your possessions have to be put into storage, we’ll cover the cost until you can return to your home.
Do I need to be a homeowner?
No. You’re covered if you’re a tenant with Contents Insurance too, as long as you don’t have any other insurance that covers this.
How long am I covered for?
We’ll provide temporary accommodation while your home’s uninhabitable. There are limits depending on whether you have Essential, Plus or Premier cover, so check your individual policy.
How do I claim?
If you have more specific needs our expert underwriters can create a bespoke policy for you.
Specialist Home Insurance can cover:
- Valuables worth over £15,000 each
- Homes with more than five bedrooms
- Protection for non-standard properties such as thatched or flat roofs
- Additional homes, buy-to-let properties and holiday homes.
If you have a John Lewis Home Insurance policy, select the relevant link below to view your full policy wording.
If your policy number starts with 'J' or you're not yet a customer
If your policy number starts 'H'
If your policy starts with 'JLP' and was taken out after 28th September 2010
Specialist Home Policy Documents
We’ve tried to make it as easy as possible for you to get a quote for John Lewis Home Insurance. But to make our quote as accurate as possible you’ll be asked about the following:
- Your address, the year your home was built.
- Whether your home has an intruder alarm, CCTV or working smoke alarms.
- Any history of heave, landslip, subsidence, coastal or river erosion near you home.
- How long you’ve held home insurance for and any previous claims.
- Details of any personal possessions you’d like to cover separately, including valuables.
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.
John Lewis Insurance is a trading name of John Lewis plc. Registered in England No. 233462. Registered office 171 Victoria Street, London, SW1E 5NN. John Lewis plc is an appointed representative of Covea Insurance plc. John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered in England and Wales No. 613259. Registered office Norman Place, Reading, RG1 8DA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority No. 202277.