John Lewis Home Insurance Review: Does This Tick the Right Boxes?

John Lewis Home Insurance Review: Does This Tick the Right Boxes?

Good for

  • Saving 20% when you buy online
  • Covering pairs, sets and carpets (Premier and Plus plans)
  • Competitive, all around cover

Bad for

  • Those wanting to pay monthly
  • Those who want Home Emergency cover to contribute towards replacing a failed/BER boiler
  • NCD protection on combined policies can't be split up (e.g., you have to buy for both Buildings and Contents)

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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In This Review

John Lewis Home Insurance Review: What You Need to Know

John Lewis home insurance is a solid option from a reputable company. With three tiers of cover, you can choose a budget option ("Essential"), a mid-tier plan ("Plus") or their premium plan (aptly named "Premier"). The Premier plan not only offers higher limits (unlimited buildings and contents cover, subject to inner limits on certain things) but includes features like Accidental Damage, Garden Cover, Legal Expenses, Pedal Cycle, Personal Possessions outside of the home and Home Emergency Cover.

Regardless of the plan you choose, new customers can get a 20% discount when applying for a policy online—a savings of around £50 to £100 or more, depending on the plan, excess and your details.

Those interested in a buildings and contents policy should be aware that you can only buy NCD protection on the combined policy; that is, you can't split up NCD and buy it separately for buildings only or for contents only.

John Lewis home insurance is not ideal for making monthly payments instead of annual, since you'll be charged 21.1% APR to spread your premium payments over the year. Most people who can't pay an annual premium upfront would pay fewer interest charges by charging their insurance premium to a credit card, as the average credit card APR is less than 21.1% but this clearly depends on your individual situation. In fact, the representative APR on the Partnership Credit Card is only 18.9%.

Matching sets, suites and carpets are covered up to £10,000 on Plus and Premium plans, but not Essential. With this cover, John Lewis would pay for accompanying items to be replaced if one individual item of an original set (e.g., bathroom suite, three-piece suite or kitchen unit) is damaged. When it comes to carpets, if they can't repair a damaged section of carpet they'll replace the damaged section plus any attached carpet in the same area (say, up to a room divider or door).

John Lewis Home Insurance Key Facts

  • Three plans to choose from: Essential, Plus and Premier
  • Essential: up to £400,000 for buildings and up to £50,000 for contents
  • Plus: up to £1,000,000 for buildings and up to £75,000 for contents
  • Premier: unlimited cover for buildings and contents; includes Accidental Damage, Garden Cover, Legal Expenses, Pedal Cycle, Personal Possessions outside of the home and Home Emergency Cover
  • 20% online discount for new customers

John Lewis Home Insurance Price Comparison

We found that John Lewis home insurance Essential and Plus plans run roughly 21% and 7% less expensive, respectively, than the market average for a similar excess. John Lewis' Premier plans run around 55% more expensive than average, but this is not a surprise as Premier plans include a host of features that can cost around £125 per year if they were added separately.

We gathered pricing data from the John Lewis website to give you a general idea of how John Lewis home insurance quotes compare to others in the market. For the purposes of this exercise, we quoted for a 30-year-old policyholder living in a mortgaged, 2-bedroom property in London, who had made no claims in the past few years. Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for educational purposes only; your quotes may reflect a large degree of variation. Additionally, insurance policies across different companies can be difficult to compare directly, as they can vary in terms of excess, cover amounts, etc.

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Here's how Co-op home insurance prices compare to market average premiums

John Lewis gives the option to choose an excess from £100 up to £500. A policy with a higher excess will have a lower premium, as you can see in the table above, because you're committing to pay more towards any valid claims. While a lower premium is certainly enticing, before signing up for a policy with a higher excess be sure you'd be equipped able to pay the excess in the event of a valid claim.

John Lewis Home (Buildings and Contents) Insurance Add-On Costs

Here are estimated costs of add-on extras for a mortgaged, owner-occupied, 2-bed property in London when you buy a John Lewis buildings & contents home insurance policy. It can be useful to have an idea of the approximate cost of these optional features when you're deciding what cover to buy.

Estimated Costs of John Lewis Home Insurance ExtrasEssentialPlusPremier
Accidental Damage - Contents£18£13included
Accidental Damage - Buildings£43£25included
Home Emergency Cover£33£39included
Personal Possessions Away From Home (£2k)£15£39included up to £2,500
Personal Possessions Away From Home (£5k)£41£25£24
Personal Possessions Away From Home (£10k)£84£54£71
No Claims Discount Protection - Buildings & Contents£35£41£66
chart showing approximate cost of home insurance add ons for John Lewis home insurance
How much will you pay for home insurance extras?

John Lewis Home Cover: Features

Depending on the tier you choose, John Lewis home insurance may include or offer as optional additional cover features like Personal Possessions (e.g., when they're away from home), Accidental Damage, Home Emergency, Pedal Cycle, Garden and Family Legal. Limits for each section can be found below in the Policies section. For more complete details like full exclusions, please see the policy documents.

John Lewis Home Insurance FeaturesNotes
Personal Possessions
  • Details
    • Cover for loss or damage to personal belongings like Clothes and shoes, Jewellery, Watches, Binoculars, Musical instruments, Portable TV's, hifi, electrical goods, Photographic equipment, Sports equipment, Laptops and Camping equipment when you're away from home
  • Cover by Plan
    • Premier Cover £2,500 of unspecified cover is INCLUDED, with the OPTION to increase up to £25k
    • Plus Cover OPTIONAL up to £15k
    • Essential Cover OPTIONAL up to £10k
Accidental Damage
  • Details
    • Standard Accidental Damage Cover (Buildings) provides accidental damage cover for cables and underground services, plus accidental breakage of fixed ceramic hobs, glass in windows and bathroom suites
    • Full Accidental Damage Cover (Buildings) includes items listed above, plus damage caused by accidents like putting your foot through the ceiling from the loft or drilling through a pipe
    • Standard Accidental Damage Cover (Contents) provides cover for TVs, satellite/video/audio entertainment equipment and computer equipment, plus accidental breakage of mirrors, ceramic hobs in freestanding cookers and glass in furniture like glass tables and cabinets
    • Full Accidental Damage Cover (Contents) includes items listed above, plus damage caused by accidents like spilling paint on the carpet or knocking over a vase
  • Cover by Plan
    • Premier Cover Full Accidental Damage is INCLUDED
    • Plus Cover Standard Accidental Damage is INCLUDED plus OPTION to upgrade to Full Accidental Damage
    • Essential Cover OPTION to add Full Accidental Damage
Home Emergency Cover
  • Details
    • Cover to temporarily repair home emergencies related to failure of/damage to the plumbing or drainage system (if they're causing damage to your home)
    • failure of primary heating system
    • failure of electricity supply
    • the roof letting in water
    • damage to/breakage of window frames or panes
    • 24-hour Home Emergency helpline
  • Notable Exclusions
    • Day to day maintenance
    • Boilers over 15 years old or with an output of 60kW or more
    • Repair costs if a boiler is beyond economical repair
    • If the primary heating system has not been inspected/serviced by a qualified person within 15 months of the last service (proof will be required)
  • Cover by Plan
    • Premier Cover £1,500 of Home Emergency Cover INCLUDED
    • Plus Cover OPTION to add £1,000 of Home Emergency Cover
    • Essential Cover OPTION to add £500 of Home Emergency Cover
Family Legal
  • Details
    • OPTIONAL cover for matters such as neighbour disputes, personal injury and tax issues
    • 24-hour legal helpline
    • Legal costs up to £100,000
Garden Cover
  • Details
    • OPTIONAL cover for gardening equipment, temporary gazebos, barbecues, water features, statues, pots, lights, play equipment, garden furniture, bird tables, plants, trees, shrubs, hedges and lawns
  • Cover by Plan
    • Premier Cover £5,000 of Garden Cover INCLUDED
    • Plus Cover OPTION to add £5,000 of Garden Cover Cover
    • Essential Cover OPTION to add £5,000 of Garden Cover Cover
Pedal Cycle Cover
  • Details
    • Protection against loss of or damage to pedal cycles and their accessories in Europe, Jordan, Madeira, the Canary and Mediterranean islands and countries that border the Mediterranean, or anywhere in the world for up to 60 days
    • Option to specify cycles worth more than the limit (£500 for Essential or £1k for Plus and Premier)
  • Cover by Plan for Unspecified Pedal Cycle Cover
    • Premier Cover £5,000 of Pedal Cycle Cover INCLUDED with a limit per pedal cycle of £1,000
    • Plus Cover OPTIONAL £5,000 of Pedal Cycle Cover with limit per pedal cycle of £1,000
    • Essential Cover OPTIONAL £2,500 of Pedal Cycle Cover with limit per pedal cycle of £500
Student Cover
  • Details
    • OPTIONAL cover for contents, personal possessions and pedal cycles away from home for a family member who is studying at university, college or school
    • laptops, mobile phones and money covered
    • Contents covered up to £5,000 for items such as computers (incl. notebook, laptops, desktop computers, palm tops, fax machines, printers, electronic data downloads and film downloads up tp £1,500 in total)
    • games, game players including hand held and consoles up to £500 in total
    • DVD's, CD's , video tapes, records and cassettes up to £500 in total
    • Personal possessions up to £3,000 in total and £1,500 for any one item
    • Pedal cycles up to £500
    • Money up to £200
  • Cover by Plan
    • Premier Cover OPTIONAL
    • Plus Cover OPTIONAL
    • Essential Cover OPTIONAL

John Lewis Home Insurance Notable Exclusions

Besides the usual exclusions like wear and tear, John Lewis home insurance exclusions include (but are not limited to) storm damage to fences or gates, mobile homes, frost damage, loss or damage if your home has been unoccupied for 60 days or more, damage by pets, subsidence (due to coastal or river erosion, settlement of newly made-up ground, faulty workmanship, etc.), etc.

A few exclusions stood out to us as particularly mentionable. You may want to keep them in mind if you go with John Lewis or as you're comparing different home insurance plans. It's always a good idea to read through the full list of exclusions in the policy documents as we've only mentioned some exclusions here and others may be more relevant to you.

  • 1. Loss or damage by pets.
  • 2. Contents cover doesn't include loss or damage during household removals to personal money, or fragile items like china, glass and pottery unless they were packed by professional packers.
  • 3. Theft of unattended bicycles in a public place is excluded unless locked to an immovable object.
  • 4. For policies including Personal Possessions cover, theft from a vehicle is only included if someone over 16+ years old was in the vehicle or the items were hidden from view in a locked boot or closed compartment and the vehicle was securely locked and force or violence was used to gain entry to the vehicle—note, the policy documents specify a "theft from vehicle" limit of £2k.
  • 5. Those who leave their homes unoccupied for more than 60 days at a time won't have cover for malicious people or vandals, theft or attempted theft or freezing of water, water or oil escaping, accidental damage

John Lewis Buildings & Contents Insurance: What's Covered?

John Lewis home insurance protects against calamities such as fire, flood, storm, theft, escape of water, subsidence (depending on cause) and other similar causes.

Cover benefitsEssentialPlusPremium
Buildings Cover£400,000£1 millionUnlimited
Buildings Accidental DamageOption to include full Accidental Damage Cover including Trace and Access (£5,000)Limited amount as standard; full Accidental Damage is OptionalIncluded
Contents Cover£50,000£75,000Unlimited
Contents Accidental DamageOptionalLimited amount as standard; full Accidental Damage is OptionalIncluded
Valuables single article limit (unspecified items)£3,000£3,000£3,000
Locks and keys£500£750Unlimited
Alternative Accommodation£60,000£115,000Unlimited
Personal Possessions (unspecified)Optional (up to £10k)Optional (up to £15k)£2,500 (may increase up to £25k)
Matching Sets Covernone£10,000Unlimited
Pedal Cycle CoverOptional £2,500Optional £5,000Included £5,000
Garden CoverOptional £5,000Optional £5,000Included £5,000
Home Emergency CoverOptional £500Optional £1,000Included £1,500
Legal CoverOptional £100,000Optional £100,000Included £100,000
Student Cover sum insuredOptional £5,000Optional £5,000Optional £5,000

Other Useful Information