John Lewis Home Insurance

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Home & Contents Insurance Offers!
Buildings Insurance
Unlimited buildings cover to rebuild your home (eligibility criteria applies)
Contents Insurance
From £50,000 up to £150k contents cover (depending on policy)
Special Features
If you're looking for cheap home insurance get a quote with Admiral - you could pay as little as £115 if you insure your home*.
Alternative Accomodation

Admiral Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
Defaqto 5 Star Rated Home Insurance. Personal claims handler to look after you. 24/7 UK emergency helpline. 25% online discount for new customers
Alternative Accommodation
Home Insurance
Get a quote in less than five minutes
Prices from over 55 brands
Special Features
Save up to 41%*
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Moneysupermarket Home Insurance Comparison

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
Up To 30% online discount. Comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.
Alternative Accommodation

Up To 30% Off When You Apply Online For New Customers

Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation
*T&Cs apply
Buildings Insurance
£750,000 million to help rebuild your home
Contents Insurance
Based on what you actually own
Special Features
Amazing home insurance at amazing prices. Buzzvault home insurance is based on what you actually own. This allows us to offer the cover you need at the best price
Alternative Accomodation

Buzzvault Home Insurance


Compare John Lewis Home Insurance

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

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

Which of these you need will likely depend on your living arrangements. If you own your own home, you will usually need buildings and contents insurance – indeed, having buildings insurance is usually a requirement for getting a mortgage. If you are renting you will likely only need contents insurance as you landlord is responsible for insuring the building.

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 is good to be aware of extra charges, such as compulsory excesses, exit charges and interest on monthly payments which some companies do charge.

Choosing home insurance from John Lewis

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

John Lewis Essential Cover

With this policy you can benefit from:

  • Buildings cover up to £400,000
  • Contents cover up to £50,000
  • Alternative accommodation during an emergency up to £60,00
  • Optional Home Emergency Cover – up to £500

John Lewis Cover Plus

This policy provides:

  • Buildings cover up to £1,000,000
  • Contents cover up to £75,000
  • Alternative accommodation during an emergency up to £115,000
  • Standard cover for accidental damage
  • Optional Homer emergency cover – up to £1000

John Lewis Cover Premier

John Lewis’ most comprehensive home insurance policy includes benefits such as:

  • Unlimited Buildings cover
  • Unlimited Contents cover
  • Unlimited alternative accommodation in case of emergency
  • Full cover for accidental damage
  • Home emergency cover 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?

Most insurance policies require you to pay a fixed sum known as an “excess” when you make a claim. In general, the higher your excess, the lower your monthly premiums and and the fewer restrictions they are upon making a claim

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. A compulsory excess is set by your insurer whereas a voluntary excess is set by you. Choosing a higher voluntary excess will make your monthly premiums cheaper, but will cost you more if you do need to make a claim.