What does home insurance cover?
It protect your home against fire, flood, storm damage, and burglary.
Why choose John Lewis home insurance?
John Lewis is a trusted insurance provider, who has received a five-star rating by Moneyfacts in 2023. Its bronze contents insurance has been given a four star Defaqto rating, and its home insurance silver and gold buildings and contents insurance has a Defaqto rating of five stars.
They offer three levels of cover to suit your personal needs and budget, and you can mix and match levels of cover for both buildings and contents insurance.
John Lewis also offers a range of policy add-ons, and flexible benefits that come as standard on each policy:
What types of home insurance can I get with John Lewis?
John Lewis offers buildings and contents insurance across three level of cover; bronze, silver, and gold. Here is what is included in each policy:
Contents insurance | Bronze | Silver | Gold |
|---|---|---|---|
Contents cover | £50,000 | £100,000 | Unlimited |
Replacement cost of valuables | £10,000 | £20,000 | £40,000 |
Valuables single article limit (unspecified items) | £3,000 | £3,000 | £3,000 |
Valuables single article limit (specified items) | £20,000 | £20,000 | £20,000 |
Buildings insurance | Bronze | Silver | Gold |
|---|---|---|---|
Repairing/rebuilding your home | £400,000 | Unlimited | Unlimited |
Alternative accommodation | £50,000 | £100,000 | Unlimited |
Trace and access | £5,000 | £5,000 | Unlimited |
Locks and keys | £500 | £750 | Unlimited |
Accurate as of July 2024
Can I cancel my John Lewis home insurance and switch providers?
es, you can cancel your John Lewis home insurance and switch to another provider at any time. You may be charged a cancellation fee if you end your policy part way through the term.
You may want to cancel in the following situations:
If your policy is due for renewal
If you decide not to continue your cover, contact John Lewis before your renewal date. Cancelling ahead of renewal usually means you will not pay additional charges.If you have just taken out a policy
Home insurance policies include a 14-day cooling-off period. If you cancel or switch providers during this time, you should not be charged, as long as no claims have been made.If your policy has auto-renewed at a higher price
John Lewis should let you know before your policy renews. If it has already auto-renewed and the new price is higher than expected, contact them as soon as possible. They may cancel the policy without charging an administration fee, depending on the timing and policy terms.
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
What add-ons can I get with John Lewis?
Here are some add-ons that you can add to your John Lewis home insurance policy:
-
Personal cyber cover
Get up to £10,000 of protection against cyber crime, viruses, and any damage to your home computer
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Legal expenses cover
Get access to a 24-hour legal helpline, plus up to £100,000 of cover to help with legal issues
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Accidental damage
Add enhanced cover for accidents that damage your possessions, such as red wine on your sofa or a broken glass coffee table
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Bicycle cover
Add up to £15,000 of cover for your bikes, including electric bikes and mopeds, and protect against loss, damage or theft
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Gadget cover
Get an additional £10,000 of cover (max £2,500 per item) for your gadgets including mobile phones and laptops
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Student cover
Up to £5,000 of contents cover for your family while they're studying and living away from your home
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Home emergency & boiler cover
Add up to £1,500 of home emergency cover and an annual service for one oil, gas or LPG boiler. Plus, John Lewis will contribute to the cost of replacing a boiler if it's beyond repair
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Accidental damage - buildings
Extend your buildings cover to protect against unforeseen events or accidental damage like breaking a window or cutting through a cable
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Personal possessions
Cover for your possessions when you take them away from home, including incidents like losing your tablet on a plane or leaving your phone on a train
Who underwrites John Lewis insurance?
John Lewis' Home Insurance products are provided and underwritten by MRDP. Munich Re Digital Partners. The FCA number for Munich Re Syndicate Limited, which Digital Partners operates under, is 204864. Digital Partners is a trading name, and Munich Re's Syndicate 457 is the entity authorized by the Financial Conduct Authority (FCA) in the UK
Can I pay John Lewis home insurance in monthly instalments?
Yes, John Lewis uses continuous payment authority to ensure customers can pay monthly or annually in one payment.
What do defaqto star ratings mean?
Defaqto star ratings offer consumers the confidence to choose the right financial products by providing a trusted rating for insurance policies.
Does John Lewis home insurance cover subsidence?
Yes, John Lewis buildings insurance offers protection against subsidence as standard in their home insurance policies. It also provides emergency accommodation if your home is too unsafe to sleep in.
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Reviewed on 30 Jan 2026
