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John Lewis home insurance

John Lewis home insurance

John Lewis Money offer a range of financial services and insurance products to their customers, including home insurance.

We compare quotes from a range of insurers, including John Lewis. When you compare home insurance quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from John Lewis.

You can find out more about John Lewis home insurance below, or if you're ready to start comparing quotes, just click the 'get a quote' button below.

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Why choose John Lewis home insurance?

John Lewis is a household name known for great customer service and its home insurance is no different. There are three levels of cover to choose from: Bronze, Silver, and Gold, each offering increasing sums insured for buildings and contents.

John Lewis home insurance offers flexible cover, letting you mix and match different levels of buildings and contents insurance to suit your needs. There are no admin fees for making changes, and with Silver or Gold buildings cover, repair costs are unlimited for valid claims.

Who is John Lewis?

John Lewis Finance is part of the wider John Lewis Partnership, a well-known British retailer with a reputation for customer service. Its financial products, including home insurance, are underwritten by carefully selected insurers to ensure reliable, quality cover.

When you buy John Lewis home insurance, you’re backed by a brand with a strong heritage and customer focus.

What does John Lewis buildings insurance cover?

Buildings cover protects the structure of your home and permanent fixtures, walls, roofs, kitchens, bathrooms, garages, sheds, and more.

John Lewis buildings insurance keeps your home protected. Bronze gives you up to £400,000 cover, while Silver and Gold offer unlimited repairs. You’ll also get help with things like finding somewhere else to stay, tracing hidden leaks, and replacing locks, with higher tiers giving you more generous limits. And no matter which level you choose, you’re covered for up to £5 million in legal liability as a homeowner.

What does John Lewis contents insurance cover?

John Lewis contents insurance covers the things that make your house feel like home, from furniture and clothes to valuables and gadgets.

Bronze includes up to £50,000 of cover, while Gold gives you unlimited protection. The higher your level, the more you're covered for, including business equipment, alternative accommodation cover, and valuables both in and outside your home. All policies include public liability cover, and you’re also protected against things like freezer breakdowns, theft from sheds, and lost documents.

John Lewis home insurance optional extras

You can add extra protection to your policy whenever it suits you. There’s no admin fee to make changes but it's likely your price will go up.

Here’s what you can add:

Buildings insurance

Accidental damage cover - Covers damage caused by unforeseen accidents, like drilling through a pipe or smashing a window.
Legal cover - Up to £100,000 to help with things like contract disputes, neighbour rows or employment issues, plus a 24/7 helpline.
Home emergency cover - If something goes wrong at home, John Lewis will send out a tradesperson to make things safe with a temporary repair.

Contents insurance

Accidental damage to contents - Covers accidents like wine stains on your carpet.
Bicycle cover - Up to £15,000 for bikes at home or on the move (max £5,000 per bike). Covers electric bikes and mopeds too.
Student cover - Up to £5,000 for family members living away while they’re studying.
Gadget cover - Add £10,000 of extra cover for your tech (max £2,500 per item). Items over £200 need to be listed.
Cyber cover - Up to £10,000 if you’re hit by online fraud, scams or viruses.
Personal possessions cover - This will cover your stuff when you take it out with you - anywhere in the world.

You’ll see all the available extras when you get your quote.

What John Lewis home insurance customers say:

“This policy offers everything I require for buildings & contents insurance. Important features are included as standard & there's no extra cost for paying in monthly instalments.”

Linda - John Lewis home insurance customer (August 2025)