John Lewis home insurance

Learn more about John Lewis home insurance

John Lewis home insurance logo

Last reviewed 22 July 2022

Why choose John Lewis home insurance?

  • Unlimited buildings and contents cover
  • A wide range of benefits and optional extras
  • Change or cancel your policy any time, at no extra cost

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Who is John Lewis?

John Lewis is the UK’s largest employee-owned business, with its 80,000 partners/staff members owning the group in trust. The first John Lewis store opened its doors in London as a drapery shop in 1864.

Since then, the company has grown rapidly, both organically and through acquisition. Today, John Lewis operates 34 John Lewis Department stores and 332 Waitrose supermarkets across the UK.

John Lewis began offering financial services products in 2004 when it launched a credit card. Two years later, the company launched its first home insurance product through the Greenbee brand. This became John Lewis Finance in 2016.

As well as home insurance, John Lewis Finance now offers car insurance, pet insurance, wedding insurance, event insurance and life cover. The brand also provides credit cards, loans, currency, money transfers and investment services.

John Lewis is headquartered in London. But the contact centre and administration of its home insurance are provided by insurer Hood Group, which is based in Southend-on-Sea. John Lewis home insurance is underwritten by Great Lakes Insurance and HSB Engineering Insurance.

John Lewis home insurance policy details

John Lewis offers three types of home insurance:

Buildings insurance covers you against damage and loss to your building, including outbuildings, exterior and interior walls, roofs and flooring. Contents insurance protects you against loss, damage or theft of your belongings.

John Lewis offers three different levels of home insurance cover – Bronze, Silver or Gold.

With Gold you get:

  • Unlimited buildings insurance cover
  • Unlimited contents cover
  • Unlimited alternative accommodation cover if your home can't be lived in due to an insured event
  • Unlimited cover to replace locks or keys if lost or stolen
  • Valuables in the home replacement cover up to £40,000
  • Contents in the open cover up to £5,000
  • Trace and access water leaks unlimited cover
  • Utility or fuel charges cover for accidental loss, up to £5,000
  • Loss of media downloads cover up to £5000
  • Business equipment cover, up to £10,000

With Silver you get:

  • Unlimited buildings insurance cover
  • Contents cover up to £100,000
  • Alternative accommodation cover up to £100,000 if your home can't be lived in due to an insured event
  • Replacement locks or keys cover up to £750 if lost or stolen
  • Valuables in the home cover up to £20,000
  • Contents in the open cover up to £3,000
  • Trace and access water leaks up to £5,000
  • Utility or fuel charges cover for accidental loss of up to £1,000
  • Loss of media downloads up to £1,000
  • Business equipment cover, up to £5,000

With Bronze you get:

  • Buildings insurance for homes worth up to £400,000
  • Contents cover up to £50,000
  • Alternative accommodation cover up to £50,000 if your home can't be lived in due to an insured event
  • Replacement locks or keys cover up to £500 if lost or stolen
  • Valuables in the home cover up to £10,000
  • Contents in the open cover up to £2,000
  • Trace and access water leaks up to £5,000
  • Utility or fuel charges cover for accidental loss of up to £500
  • Loss of media downloads up to £500
  • Business equipment cover, up to £2,000

When it comes to taking out home insurance, you should think about the amount of cover you need so you select the right product for you. But there is flexibility, so you can cancel your policy any time, without paying fees.

John Lewis Home Insurance also pledges that you’ll pay no more than a new customer when it's time to renew.

John Lewis home insurance optional extras

John Lewis home insurance lets you add on optional extras to suit your needs. This is particularly useful if you’re looking for specific cover. You can also change your optional extras at any time, without admin fees or hidden charges.

John Lewis home insurance optional extras include:

  • Personal cyber cover
  • Legal expenses cover
  • Accidental damage for contents and buildings
  • Bicycle cover
  • Student cover
  • Gadget cover
  • Home emergency and boiler servicing cover
  • Personal possessions

Personal cyber cover insures you for computer problems such as restoring your home systems or removing viruses. You can also make a claim for online fraud.

Legal expenses cover offers up to £100,000 to help with legal issues like boundary disputes. You also get access to a legal helpline.

Accidental damage cover for your contents lets you claim for things like spillages on carpets and furnishings. Accidental damage insurance for your buildings can cover things such as broken drains and pipes.

Bicycle cover insures you for up to £15,000 against loss, damage or theft of your bicycles at home and away, up to £5,000 per bicycle.

Student cover providers up to £5,000 of contents cover for family members while they're studying and living away from your home.

Gadget cover offers an extra £10,000 of cover for your gadgets, up to £2,500 per item.

Home emergency and boiler servicing cover includes temporary repairs and annual boiler service.

Personal possessions cover gives you worldwide cover for your possessions when you’re away from home or on holiday.

Contact John Lewis

If you want to contact John Lewis home insurance, you can call them on 0345 608 9011.

Their opening hours are Monday to Friday 9am - 7pm, Saturday 9am - 1pm and they are closed on Sundays.

You can also write to John Lewis home insurance at the following address:

John Lewis Home Insurance,
Hood Group Limited,
52/54 Alexandra Street,
Southend-on-Sea,
SS1 1BJ

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