Home contents insurance
Contents cover for the home you’ve created
Choose from three contents insurance cover levels to suit your needs
Tailor your policy with optional add-ons to protect your contents
Defaqto 5-star rating on our Gold & Silver policies
Insurance is subject to terms and exclusions
5 Star Defaqto rating on our Gold and Silver policiesWhat is contents insurance and how does it work?
Contents insurance covers the things you own inside your home - from furniture and electronics to clothing and personal items. It helps you repair or replace your items, so an unexpected event doesn’t turn into a financial burden.
It can cover many household items
Your sofa, TV or laptop damaged by a leak or flood. Clothes, jewellery or gadgets stolen during a break-in. Furniture or belongings destroyed by a fire. Accidental damage, like spilling paint on a carpet (if included in your policy).
You can tailor your contents policy
Customise your policy with optional extensions for extra protection where you need it.
Find a cover level to suit your needs
Choose from three cover levels - Bronze, and our Defaqto 5-star rated Silver or Gold.
Contents insurance cover details
Take a look at the different levels of contents insurance we offer, to see which one would suit your needs.
Contents insurance
 |  | | |
|---|---|---|---|
| Maximum we'll pay for: | Bronze | Silver | Gold |
Contents | £50,000 | £100,000 | Unlimited |
Alternative accommodation | £10,000 | £15,000 | Unlimited |
Freezer food | £250 | £500 | £750 |
Optional extensions
Tailor your policy with extra cover.
Extended accidental damage
This covers unforeseen and unintentional damage to your contents, such as red wine on your sofa.
Bicycle cover
Up to £15,000 of cover for loss, damage or theft while at home or out and about (maximum of £5,000 per bike).
Excludes mopeds and electrically or battery propelled scooters.
Student cover
Get up to £5,000 of contents cover for your family while they're studying and living away from your home.
Insight from our home insurance 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 contents
Burst pipes
Know what to do if you have a burst pipe in your home and learn how to prevent it from happening.
Are you underinsured?
Understand how to review and update your contents insurance, and why it’s important.
Is home insurance mandatory?
Find out if you need to have buildings and/or contents insurance in place and why.
Contents insurance FAQs
Do I need a buildings insurance policy too?
This depends on your property. If you’re a leaseholder then the freeholder will usually take out a buildings insurance policy, which you’ll need to pay them for separately. If there isn’t a lease on your property then there’s no legal requirement to have buildings insurance in place, but some mortgage providers will require you to have it. To find out more, please see our buildings insurance.
Does contents insurance cover theft?
Theft from your home may be covered so long as all of the necessary precautions stipulated in your policy wording have been followed, such as locking doors and not leaving your property unoccupied for extended periods of time. However, items of high value will need to be listed on your policy if you want their full value to be covered.
Are garden and garage contents covered?
Contents insurance usually covers items within the boundary of your home, including garden furniture and items kept in outbuildings and garages. Please check your policy wording for more information.
Are mobile phones and other gadgets covered?
If they are inside your home then they may be covered under your contents insurance policy. However, if you want them to be covered outside the home then you will need to have Personal possessions cover, which can be added as an optional extension to your John Lewis Money Home Insurance policy.
Do I need to specify high value items?
On a John Lewis Money Home Insurance policy anything above £3,000 in value will need to be specified on your policy. If you have a lot of high value items you may want to consider a specialist home insurance policy.
Does contents insurance include bicycles?
It depends on the bike you want to insure. If you have a John Lewis Money Home Insurance policy you can add an optional extension that will cover each bike up to £5,000 and up to a total of £15,000, in the UK and abroad. A regular pedal bike that doesn’t have a high value will normally be covered by your standard home insurance policy while it is kept at home, or away from the home if you have added Personal possessions cover to your policy. Exclusions apply, please see the policy wording for more details.
Do I need proof of ownership of my contents?
It’s important to make an accurate inventory of your home’s contents and their value in case you need to make a claim. As much as you can, keep all receipts, proof of purchase and valuation documents and take photographs of any particularly valuable items.
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 - Ageas Insurance Limited, AXA UK, Covéa Insurance and Prestige Underwriting, who will handle claims.
We don’t just do contents insurance
Bronze / Silver / Gold Insurance cover
John Lewis Money 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.
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 Money 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.