John Lewis Home Insurance

Compare John Lewis Home Insurance

John Lewis Home Insurance
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Why do I need Home Insurance?

Few people are financially prepared for an emergency situation at home. Repairing your home or rebuying lost or stolen contents can be expensive, so it can be a relief to know you’re covered given any eventuality.

 

Home insurance comes in many forms but it basically falls in to three categories:

  • Buildings insurance
  • Contents insurance
  • Combined buildings and contents insurance
  •  

    Many providers will give you the option to tailor a cover package to suit you. It’s important to work out whether you need both buildings and contents insurance as it is possible to take out a policy focusing on only one of these features.

     

    It’s worth noting that some properties, such as listed buildings or buildings with thatched roofs, may require specialist cover and therefore, would not be covered by a standard policy.

     

    Make sure you always read the fine print of policies as more and more companies are now excluding certain things which you may need and it’s good to be aware of extra charges, such as compulsory excesses, exit charges and interest on monthly payments which some companies do charge.

     

    John Lewis Home Insurance Review

    John Lewis offer three levels of cover: Essential, Plus and Premier. They also offer a discount if you book online.

     

    Essential Cover:

    • You can receive buildings cover up to £400,000
    • You can receive contents cover up to £50,000
    • Alternative accommodation is provided during an emergency up to £60,000
    • You can add optional Home Emergency Cover – up to £500

     

    Cover Plus:

    • You can receive buildings cover up to £1,000,000
    • You can receive contents cover up to £75,000
    • Alternative accommodation is provided during an emergency up to £115,000
    • Standard cover is provided for accidental damage
    • You can add optional Homer emergency cover – up to £1000

     

    Cover Premier:

    • Unlimited Buildings cover
    • Unlimited Contents cover
    • Alternative accommodation provided in case of emergency, unlimited
    • Accidental damage, full cover provided
    • Home emergency cover included – up to £1,500

     

    Specialist Home Insurance:

    John Lewis also provide specialist home insurance which offers:

    • Specialist cover for additional homes, holiday homes and buy-to-let properties, both UK and abroad
    • Cover for properties with unusual features such as thatched/flat rooves, listed buildings etc.
    • Personal protection for your possessions, both UK and abroad
    • Accidental cover for buildings and contents
    • Specialist cover for fine art an antiques

     

    What is an excess?

    Many insurance policies require you to pay out an amount of excess. An excess is the sum you have to pay when you claim on your insurance. Normally, the cheaper the insurance the higher the excess or more restrictions are applied when it comes to claiming.

     

    An example of how excess works: if you have a claim worth £300 and you have a £50 excess, you'll only receive £250 from your provider.

     

    Generally, there are two kinds of excess: a compulsory excess and a voluntary excess. Compulsory means that your insurer will set the price and you must pay it whereas voluntary excess is set by yourself.

     

    Remember to set your voluntary excess carefully. If you're willing to contribute a large amount towards a claim, your insurer will reward you with a lower premium, but this could make claiming on your policy more expensive.