John Lewis Home Insurance

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51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

Home Insurance

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

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.

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.

Compare John Lewis Home Insurance

John Lewis Home Insurance introduces a flexible way to choose your policy so you only pay for the cover you need, not the things you don’t. It’s all part of doing insurance a different way.

  • Simply choose from three straightforward levels of cover Bronze, Silver or Gold Cover for your buildings, contents or both. Then tailor your policy to include things like bicycles, gadgets and more, with the optional add-ons you need.
  • Change your policy to suit your new circumstances at any time, without admin fees or hidden charges. You can switch to paying monthly, or even cancel at any time, at no extra cost.
  • If you’re an existing customer, you won’t pay more than a new customer for the same cover. And they’ll do all they can to explain the price of your policy clearly, so you know exactly what you’re paying for.
  • They keep things clear and simple, reduce the jargon and make things easier to understand. They’ll explain exactly what you’re paying for and what’s included in your cover when you first buy and every time you renew.
  • The world has changed, and so has our insurance. We now include new add-ons that cover cyber threats, including crime or virus damage to electronic devices connected to the internet.
  • And their friendly Customer Service Team is only ever a phone call away.