Personal possessions
Protects individual belongings like laptops, phones, or jewellery when you take them outside your home.
Bronze: Optional add-on
Silver: Optional add-on
Gold: Optional add-on
John Lewis home insurance
Compare John Lewis home insurance quotes.
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How good is John Lewis home insurance?
John Lewis Money has offered insurance since 2006, and it scores 4.5 out of 5 from more than 17,000 Trustpilot reviews across all products, while its Silver and Gold home policies have five-star Defaqto ratings.
It offers Bronze, Silver and Gold buildings, contents or combined cover, plus add-ons such as home emergency, legal expenses and bicycle cover. John Lewis uses an insurer panel, so there is no single acceptance rate - its underwriters AXA, Covéa and Ageas each accepted 75-80%[2] of buildings and contents home insurance claims. The industry averages were 63.2%[2] and 73.5%[2] respectively.
Is John Lewis home insurance highly rated?
John Lewis's highest-tier contents and buildings policies (Home Insurance Gold) receives the maximum five-star Defaqto rating for features and benefits, while its specialist home insurance policy is also rated five stars. Defaqto is a leading independent reviewer of financial products.
Does John Lewis offer contents insurance?
Yes, John Lewis offers Bronze, Silver and Gold contents insurance, with limits of £50,000, £100,000 and unlimited cover. All tiers cover household goods and valuables, with set limits for money, cards, documents, business equipment and garden contents.
Higher tiers raise accommodation and freezer-food limits, while accidental damage, away-from-home belongings, bicycle and student cover are optional. Wear and tear and appliance breakdown are excluded, while items over £3,000 must be specified.
What will a John Lewis home insurance policy cover me for?
All John Lewis contents and buildings home insurance policies include some cover for damage and loss caused by the following events:
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Theft and attempted theft
Stolen items and break-in damage
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Fire
Fire, smoke, lightning and explosion damage
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Alternative accommodation
Temporary housing if your home can't be lived in
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Escape of water
Leaks from pipes, tanks and appliances
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Locks and keys
Replacement locks for lost or stolen keys
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Liability cover
If you are responsible for a third party injury or property damage
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Subsidence
Ground movement causing structural damage
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Storms and floods
Wind, rain, snow and flood damage
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Trace and Access
Finding the cause of escaped water and fixing resulting damage
What extras can I add to my John Lewis home insurance?
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Home emergency cover
Covers emergency callouts and services from tradespeople, like plumbers, electricians.
Bronze: Optional add-on
Silver: Optional add-on
Gold: Optional add-on
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Legal protection
Covers legal costs for issues like conveyancing, probate, and disputes with neighbours.
Bronze: Optional add-on
Silver: Optional add-on
Gold: Optional add-on
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Accidental damage
Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet.
Bronze: Optional add-on
Silver: Optional add-on
Gold: Optional add-on
What is included in John Lewis Silver and Gold home insurance?
John Lewis Silver and Gold provide higher limits than Bronze. Buildings cover increases from £400,000 with Bronze to unlimited cover with Silver and Gold, while contents cover rises from £50,000 to £100,000 with Silver, and Gold provides unlimited cover.
Silver also increases buildings alternative accommodation from £50,000 to £100,000 and contents accommodation from £10,000 to £15,000, and Gold provides unlimited accommodation cover. Freezer-food cover rises from £250 with Bronze to £500 with Silver and £750 with Gold, while limits for keys, business equipment and garden contents also increase.
Silver and Gold both have five-star Defaqto ratings. However, extended accidental damage, personal possessions, bicycle, student, home emergency and legal expenses cover are still optional rather than being automatically included with the higher tiers.
Is John Lewis Silver or Gold home insurance worth it?
Silver may be worthwhile if your home would cost more than £400,000 to rebuild or your belongings are worth more than the £50,000 Bronze limit. It provides unlimited buildings cover and doubles the overall contents limit to £100,000.
Gold could suit households with particularly valuable contents or those wanting unlimited alternative accommodation cover. Its higher limits for freezer food, belongings kept outside and business equipment may also be useful.
However, upgrading does not automatically add features such as accidental damage or away-from-home cover. If Bronze provides enough buildings and contents protection, it could save you money while still covering the main insured risks.
Is John Lewis the best company to insure my home with?
Which home insurer is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of John Lewis home insurance to help you make your decision:
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Pros of John Lewis home insurance
Ageas, AXA and Covéa, three insurers on the John Lewis panel, each accepted 75-80%[2] of combined home claims in the FCA’s 2024 data. This was above the 70.7%[2] industry average
Bronze, Silver and Gold provide increasing limits, while Silver and Gold home insurance have five-star Defaqto ratings
Gold provides unlimited buildings, contents and alternative accommodation cover. Silver also includes unlimited buildings cover and £100,000 of contents protection
Optional bicycle cover provides up to £15,000 in total, with a £5,000 limit for each bike. Student cover offers up to £5,000 for belongings kept away at university
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Cons of John Lewis home insurance
Home emergency, legal expenses, extended accidental damage and belongings-away-from-home cover are not automatically included, even with Gold
Unspecified valuable items are limited to £3,000 each on Bronze, Silver and Gold, so expensive jewellery, watches or artwork may need to be listed separately
Standard cover does not include appliance breakdown, rot or frost damage, while storm damage to fences and gates is also excluded
John Lewis Silver | Admiral Standard | LV= | Aviva | |
|---|---|---|---|---|
Defaqto Rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating[4] | N/A | 68%[5] | 61%[5] | 70%[5] |
Claims payout rate[2] | N/A | 50-55%[2] | 65-70%[2] | 70-75%[2] |
Single item limit | £3,000 | £2,000 | £2,000 | £2,000 |
Office equipment covered? | Yes | Yes | Yes | Yes |
Administration fees | Unspecified fees for changing or cancelling your policy | £25 to change policy £39.50 to cancel | £32 to change policy £32 to cancel | £0 to change policy online £29 to cancel |
Further information |
How do I contact John Lewis?
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By live chat
You can also contact the customer service team via its online live chat.
Opening hours: Mon-Fri: 9am-7pm, Saturdays 9am-12pm, closed on Sunday and bank holidays.
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By phone
The customer service number for standard home insurance is: 0345 608 9031
The customer service number for specialist home insurance is: 0800 916 6880
Opening hours: Mon-Fri: 9am-5pm, closed on weekends and bank holidays.
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Online portal
You can use the online account portal to:
Make changes to your policy
View policy documents
Change payment details
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By email
If you have specialist home insurance you can also get in touch via email on enquiries@johnlewisspecialisthomeinsurance.com.
How do I make a home insurance claim with John Lewis?
If you need to make a claim on your John Lewis home insurance policy, contact John Lewis as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), and evidence of the damage. This could include photos, videos, receipts, repair estimates or, if a crime was involved, a crime reference number from the police.
John Lewis claims line:
0345 608 9031
The way you'll be able to claim on your John Lewis home insurance policy will depend on who your policy is with - John Lewis offer cover from Ageas, AXA, and many others. You'll be able to find this information on your policy document, as well as the right number to call - but if you aren't sure, you should call their customer service number.
How do I cancel my John Lewis Home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your John Lewis home insurance online, by live chat during business hours (Mon-Fri: 9am-7pm, Saturdays 9am-12pm), or by phone.
The number is 0345 608 9031
I'm coming up for renewal
You can tell John Lewisl at any point up until your renewal date that you do not wish to renew your policy.
There is no charge for not renewing.
I've just taken out a policy
If you cancel your John Lewis home insurance within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
John Lewis will charge you an unspecified admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has started, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
John Lewiswill charge you an unspecified admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your John Lewis home insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
John Lewis will charge you an unspecified admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has auto-renewed, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
John Lewiswill charge you an unspecified admin fee, which will be taken out of your refund.
What other insurance does John Lewis sell?
Alongside home insurance, John Lewis offers a number of other insurance and money products:
Who underwrites John Lewis home insurance?
John Lewis home insurance is underwritten through a panel that includes Ageas Insurance Limited, AXA UK, Covéa Insurance and Prestige Underwriting. Your policy schedule will confirm which insurer covers you and handles your claims.
John Lewis Specialist Home Insurance is underwritten by Covéa, while its home emergency and legal expenses add-ons are underwritten by ARAG.
Can I pay John Lewis home insurance in monthly instalments?
Yes, John Lewis lets you pay for home insurance monthly - the monthly payment agreement is provided by Premium Credit Limited, with John Lewis acting as a credit broker. Paying monthly is a form of credit and can cost more than paying annually, so be sure to compare the total amount payable before choosing.
Does John Lewis home insurance cover subsidence?
Yes, John Lewis buildings insurance covers damage caused by subsidence, heave and landslip as standard.
Some outdoor structures, including paths, walls, fences, patios and garden features, are only covered where the main residence is damaged by the same event. Damage caused by normal settlement, erosion, faulty construction or ongoing building work is excluded.
Does John Lewis home insurance cover home emergencies and boiler breakdowns?
Home emergency insurance is an optional add-on rather than part of Bronze, Silver or Gold cover as standard. It provides up to £1,000 for each insured emergency and can cover the failure of your main gas, oil or electric heating and hot-water system, plus up to £300 for hotel accommodation if the home remains uninhabitable.
It does not pay to replace a boiler or cover a repair that costs more than replacing the boiler, while routine servicing, gradual problems and incidents at homes left unoccupied for at least 30 days are also excluded.
Does John Lewis home insurance cover belongings away from home?
Yes, but you need to add personal possessions cover - it protects eligible belongings against accidental loss, theft and damage worldwide.
Bicycles require separate bicycle cover, while belongings taken to university need the optional student extension - any limits, individual-item requirements and excesses are shown in your policy schedule.
Does John Lewis home insurance cover gardens and outbuildings?
Yes - buildings insurance includes domestic outbuildings such as sheds, garages, greenhouses, summer houses and garden rooms, along with permanent garden structures. Contents insurance can cover garden furniture, equipment, plants and other removable garden items.
Limits apply to contents left outside and belongings kept in outbuildings, while storm damage to fences and gates is often excluded.
What is the John Lewis home insurance excess?
Your excess depends on the insurer selected, the cover you buy and the type of claim. It can include:
A compulsory excess set by your insurer
Any voluntary excess you choose
A different excess for certain types of claim
Separate excesses for optional personal possessions, bicycle or student cover
If the same incident leads to a valid buildings and contents claim, John Lewis applies the higher of the two excesses rather than both, plus any relevant voluntary excess. Your exact figures appear in the policy schedule.
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Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
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Our comparison service is, and will always be, free to use.
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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
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No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
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Is home insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy home insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is home insurance eligible for Price Promise?
Yes, home insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 16 Sep 2026 by
Sources and supporting information
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[1]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[2]
Source: Financial Conduct Authority (FCA), 2025. 'General insurance value measures data 2024' https://www.fca.org.uk/data/general-insurance-value-measures-data-2024#revisions
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[3]
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from John Lewis may have different ratings. Data from the Defaqto website. Data from June 2026.
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[4]
The independent review site Which? has created claims scores for 35 leading home insurers based on interviews with 2,804 members of the public who had made an insurance claim in the last two years. Claim scores are based on how satisfied these claimants were with their provider and how likely they would be to recommend them in the future. You can see more on the Which? website: https://www.which.co.uk/money/insurance/home-and-mobile-insurance
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[5]
Source: Which?, 2025, Best UK home insurance policies and providers compared?, https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ
