Home buildings insurance
Buildings cover for the home you’ve created
Choose from three different levels of buildings cover to suit your needs, then tailor it with optional extensions.
Terms, conditions, policy limits and exclusions apply.
Buildings insurance explained
What is buildings insurance?
Buildings insurance covers the physical structure of your home, including the walls, roof, floors and permanent fixtures.
Why do I need it?
Your home is probably your biggest financial investment. If it gets damaged, the cost to repair or rebuild it can be significant. This type of insurance helps protect you from that risk.
Examples of what it can cover
Repairing storm damage to a roof
Fixing walls or floors after a flood
Rebuilding parts of your home damaged by fire
Choose what's covered
Compare our buildings insurance to find the cover level that suits you.
Unlimited cover
Unlimited buildings cover for valid claims with our Silver or Gold policies.
Tailor your policy
Customise your policy with optional extensions for extra protection where you need it.
Contents insurance
We also offer Defaqto rated contents insurance to protect the things you own inside your home.
Buildings insurance cover details
Buildings insurance
 | | | |
|---|---|---|---|
| Maximum we'll pay for: | Bronze | Silver | Gold |
Repairing or rebuilding | £400,000 | Unlimited | Unlimited |
Alternative accommodationIf you can’t stay at home during any repair work | £50,000 | £100,000 | Unlimited |
Accidental damage to drains, fixed glass and sanitaryware | Optional with Extended accidental damage cover | Unlimited | Unlimited |
Optional extensions
Tailor your policy with extra cover.
Extended accidental damage
This covers unforeseen and unintentional damage to your property, like cutting through a cable or putting your foot through the ceiling.
Home emergency cover
If you have an emergency in your home, such as a sudden water leak, we’ll arrange for a tradesperson to make things safe with a temporary repair.
Legal expenses
Get access to a 24-hour helpline and up to £100,000 towards the cost of pursuing relevant legal disputes.
Unique homes, special items
Explore our home insurance cover for high value properties, brought to you with our specialist provider Covéa Insurance:
For large, listed or additional homes
Protection for your high-value art, jewellery, antiques and more
Accidental damage cover as standard.
Speak with an underwriting expert on 0800 916 6880.
Calls may be recorded or monitored.
Our partners for home insurance and claims
Enjoy the service you’d expect from John Lewis Money, alongside a policy underwritten by our specially selected insurers - AXA UK, Covéa Insurance and Prestige Underwriting, who will handle claims. Our home emergency and legal expenses add-ons are provided by our expert partner, ARAG Legal Expenses Insurance Company Limited (ARAG LEI).
Bronze / Silver / Gold insurance cover
John Lewis Home Insurance is a trading name of John Lewis Finance Limited. Registered in England and Wales company number 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Pay monthly option for your home insurance is under a contract with Premium Credit Limited (a company registered in England and Wales with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful.
Home Emergency and Home Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number: 103274) (FCA number 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
John Lewis plc is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking and registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England and Wales company number 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Covéa Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.