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John Lewis home insurance review

Read Which?'s expert review of John Lewis' home insurance policies, find out how we rate John Lewis' contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
John Lewis home insurance policy overview John Lewis' home insurance policy: is it good or bad?
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John Lewis home insurance policy overview

John Lewis is a 150-year-old British department store, which branched out into financial products in 2006. Its home insurance policies are underwritten by Royal & Sun Alliance Insurance.

What you need to know about John Lewis's home insurance:

  • Charges an APR of 21.10% on monthly payments
  • Single-item limit of £3,000 for valuables
  • Optional home emergency cover with limit of £1,000

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Home And Mobile Insurance
John Lewis review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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John Lewis' home insurance policy: is it good or bad?

We analyse and rate the 60 most important elements of standard home insurance policies to come up with the overall policy score. We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then apply weightings to the higher and lower element scores to enhance/reduce their impact on the overall product score.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out stars Buildings and contents
Renewal fee (£) Logged out detail Logged out stars Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out stars Buildings and contents
Home emergency cover (£) Logged out detail Logged out stars Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out stars Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out stars Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out stars Buildings only
Alternative accommodation (£) Logged out detail Logged out stars Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out stars Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out stars Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out stars Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out stars Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out stars Contents only
Theft from outbuildings (£) Logged out detail Logged out stars Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out stars Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out stars Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out stars Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out stars Contents only
Does mobile phone cover include calls? Logged out detail Logged out stars Contents only

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