Specialist home insurance
Quality cover for extraordinary homes
Bespoke insurance for high-value homes and contents
Up to £10,000 for environmental updates when rebuilding
Free LeakBot leak detection device with every policy
Terms, policy limits, excesses and exclusions apply
Prefer to talk? Speak with our expert underwriters on 0800 916 6880
Opening hours: Monday to Friday 9am - 5pm. Calls may be recorded or monitored, and charges will vary.
We also offer 5 Star Defaqto Gold and Silver Home Insurance for standard homesDo you need a high-value home insurance policy?
John Lewis Money Specialist Home Insurance is designed for a wide range of homes and lifestyles, including (but not limited to):
Homes with high-value contents, such as total valuables over £40,000 or individual items worth more than £20,000
Larger properties with 7 or more bedrooms
Listed buildings or homes built before 1800
What’s included with John Lewis Money Specialist Home Insurance?
Compare the cover available with our high-value home insurance policy. Specialist cover also provides a few handy extras to protect you against the unexpected and help out if unlikely events happen.
Cover details | Maximum we'll pay for |
|---|
Contents | Unlimited |
Unspecified jewellery and watches Any single article, pair, set or collection of jewellery and watches. | £15,000 |
Specified jewellery and watches Any single article, pair, set or collection of jewellery and watches. | Unlimited |
Metered water or domestic heating fuel | £10,000 |
Business equipment | £25,000 |
Personal money | £10,000 |
Environmental home upgrade Claim for environmental upgrades like solar or wind power when rebuilding your home. | Up to £10,000 |
New fixtures, fittings and building works | £75,000 |
Trace and access (Outside) The cost of finding the source of a water, oil or gas leak outside the home. | £50,000 |
Unspecified art and antiques Any single article, pair, set or collection of art and antiques. | £25,000 |
Specified art and antiques Any single article, pair, set or collection of art and antiques. | Unlimited |
Accidental damage | Unlimited |
Replacement of a partially damaged item Covers the cost of replacing damaged art and antiques, jewellery and watches. It also includes restoration costs and any cover for reduction in value. | Unlimited |
Flood and water leak prevention If you have an approved claim of over £20,000, we’ll contribute towards leak detection and prevention devices. | Up to £2,500 |
Benefits & add-ons for specialist home insurance
Legal expenses
Legal expenses cover is available as an optional add-on and covers up to £100,000 in legal costs and access to professional legal support when you need it. It’s provided by our trusted partner ARAG Legal Expenses Insurance Company Ltd.
Home emergency
Home emergency cover comes as standard, helping with sudden and unexpected issues such as a burst pipe, boiler breakdown or security problem, with up to £1,500 towards emergency repairs per claim.
Free LeakBot
Your policy comes with a free LeakBot and it is available for new and renewing customers. If it detects a leak, it notifies you via the LeakBot mobile app and provides access to a team of expert LeakBot engineers.
Golfers' cover
Love golf? If your clubs are lost or damaged during play beyond territorial limits, you can claim up to £50 a day (up to £500) for replacement rentals when you collect an invoice. You can even claim £500 if you score a hole-in-one in an official competition. The scorecard must be authenticated by the club secretary and submitted to us in the event of a claim.
Insight from our Commercial lead...
Learn more about insurance and caring for your home
We have a wide range of guides and articles to help you understand how contents and buildings insurance works, and how you can keep up with the maintenance of your home.
Looking for a different type of home insurance?
Looking after your home
Listed buildings
Protecting a listed building is like owning a little piece of history. It's both a privilege and a responsibility.
What is subsidence?
Subsidence or heave could cause lasting and costly damage to your property, so it pays to take the right preventative measures and have insurance in place.
Are you underinsured?
How can you financially protect your house and make sure you don’t underestimate how much your home and contents are worth?
An exceptional claims service
If you need to make a high-value home insurance claim, our experts are ready to help.
There are no forms to complete, and our UK-based claims team aims to respond to you within two working days and pay approved claims within two working days of settlement. You can choose your own contractor or supplier with our agreement or have us assign one for you.
For specialist home insurance claims, call
24 hours a day, 7 days a week
For home emergency claims, call
24 hours a day, 7 days a week
Frequently asked questions
Is high-value home insurance right for you?
Everyone has different requirements when it comes to protecting their home and contents. We also offer three levels of flexible home insurance for buildings and contents cover.
Does specialist home insurance cover guest houses?
Yes. John Lewis Money Specialist Home Insurance covers accommodation, like bed and breakfasts, for up to six paying guests. However, it doesn’t cover loss or damage to your home caused by malicious acts, or tenants and paying guests unless force and violence were used to gain entry or exit to the property.
Does specialist home insurance cover guests' contents?
Your John Lewis Specialist policy will include cover for loss or damage to contents in your home belonging to (non-paying) guests for up to £10,000 provided such contents are not otherwise insured. The maximum amount of cover for any single item is £500.
This policy does not apply to malicious acts or to the personal belongings of tenants and paying guests unless force and violence are used to gain entry or exit.
Does specialist home insurance cover flood-risk areas?
As part of the Flood Re initiative, John Lewis Specialist Insurance can provide cover for eligible flood-risk areas and properties that have previously been flooded. We’re proud to help our customers protect their families' safety and well-being against flooding. John Lewis Specialist Home Insurance was one of the first policies to provide Flood Re cover in 2016.
Can I have my rebuild cost calculated for me?
If you haven't had a recent survey, we may provide a valuation at your underwriters’ discretion to ensure that you have the right cover. This will be a desktop valuation and an independent survey of your property conducted remotely using Ordnance Survey data and other tools.
Policy documents, all in one place
For existing customers please refer to the policy documents sent to you.
Click here to see all policy documents.
Specialist Home policies
Our partner
Covéa Insurance has been carefully selected to underwrite Specialist Home Insurance from John Lewis.
John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc.
Covea Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covea 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 Covea Insurance plc. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.