John Lewis Home Insurance

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Home & Contents Insurance Offers!
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
£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. 25% online discount for new customers
Alternative Accommodation
Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation

*T&Cs apply

Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
Alternative Accomodation

Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Escape of water cover as standard. Churchill wont just cover the costs of finding the leak but also sort the damage it causes*. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*Buildings cover required. Policy limits and £450 Escape of Water excess apply. Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
Alternative Accomodation

ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
Get a quote and enjoy a free Costa Coffee with Age Co Home Insurance (Ts & Cs apply)
Alternative Accomodation

Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
Alternative Accomodation

Saga 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.