John Lewis Insurance 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 Insurance'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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John Lewis Insurance 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 September 2018. Next updated in February 2019.
| Policy elements | Details | Rating | Area covered |
|---|---|---|---|
| Interest charged on payment by installments (APR) |  |  | Buildings and contents |
| Renewal fee (£) | | | Buildings and contents |
| Home emergency cover - standard, optional, not covered? | | | Buildings and contents |
| Home emergency cover (£) | | | Buildings and contents |
| Owner's / Occupier's liability (£) | | | Buildings and contents |
| Accidental damage cover - standard, optional, not covered? | | | Buildings and contents |
| Subsidence - standard, optional, not covered? | | | Buildings only |
| Alternative accommodation (£) | | | Buildings only |
| Burst pipes - standard, optional, not covered? | | | Buildings only |
| Blockage of sewer pipe - standard, optional, not covered? | | | Buildings only |
| Single item limit for valuables - max limit (£) | | | Contents only |
| Contents in the open - within home boundary i.e. garden (£) | | | Contents only |
| Contents in outbuildings - including garages (£) | | | Contents only |
| Theft from outbuildings (£) | | | Contents only |
| Personal Possessions - standard, optional, not covered? | | | Contents only |
| Personal Possessions limit within a car (£) | | | Contents only |
| Pedal cycles - standard, optional, not covered? | | | Contents only |
| Mobile phones - standard, optional, not covered? | | | Contents only |
| Does mobile phone cover include calls? | | | Contents only |
