Write a review

John Lewis: Home Insurance reviews

Name: Home Insurance
Rating: 2.72 (69 reviews)

View other John Lewis products

2.38

Based on 69 reviews, last reviewed 30th May 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

35%

2 star

52%

Latest highest rating:

5

Excellent and responsive insurer. Excellent and responsive insurer. We had a massively leakage causing 1000s of pounds worth of damage. JL ensured the work was completed promptly and t... Read more Reviewed on: 4th March 2025

Latest lowest rating:

1

Very poor service!!! I took out home insurance with John Lewis home insurance thinking I was dealing with John Lewis who have always been a trusted brand in my home only t... Read more Reviewed on: 30th May 2025

Read all reviews See your review

About this product

Whether you’re looking to take out buildings insurance, contents insurance, or both, you want to be confident that the provider is reputable. Our John Lewis home insurance reviews can give you insight into what you can expect as a John Lewis policyholder.

With three levels of cover: Bronze, Silver and Gold, John Lewis has options to suit many. The provider even offers specialist policies to cover listed buildings, homes built before 1800 and high-value artwork and antiques. There are no additional fees for paying your premium monthly, and no admin fees if you need to modify your cover.

If John Lewis sounds like the perfect provider for your needs, read customer reviews to learn more. Our John Lewis home insurance reviews are written by genuine policyholders. Find out how satisfied they were with the level of cover they received. Learn about John Lewis’ customer service and whether policyholders would renew with the provider.

Have you had a home insurance policy with John Lewis? Share your experience with others. Did you take out buildings insurance, contents insurance, or both? Share what level of cover you chose, or whether you required a specialist policy. Did you take out any additional extras, and were they reasonably priced? Did you encounter any hidden fees? Did you need to make a claim on your policy, and if so, how well was it dealt with?

Whether good or bad, leave a John Lewis home insurance review on Smart Money People today. Together, we can help people like you make better decisions.

John Lewis Home Insurance reviews (69)

Review of the John Lewis, Home Insurance:

So far, so good

Haven't made a claim so can only judge on basis of competitive premium for level of cover. Reviewed on: 23rd August 2024

De home insured by John Lewis

Policy rolled over on 1st November. Got the renewal notice and tried to do it on line. “Sorry unable to proceed on line please call us” I did and was told that their system was having (unspecified) problems. We had to it it manually. The system would not take my (john Lewis) card and it needed to be escalated to a manager to sort out. They would call me back. They didn’t. As the end of the month was approaching I rang them again, lots of apologies but the system was still having problems. It would take three to five working days to sort out. This would take us past the renewal date so I specifically asked would I still be covered on the 2nd November. YES was the unequivocal answer. Got a letter on Monday saying the policy had lapsed! Rang them and had a fruitless conversation with a handler and then a manager.. Lots of profuse apologies but there was nothing to be done. The computer says no. Reviewed on: 7th November 2023

Terrible service

Had a claim and took over 2 months to sort it out and didn’t pay when told etc etc, moved to someone more professional Reviewed on: 3rd November 2023

Renewal Cancelled with no notice due to card expired

My home insurance was set to automatically renew. Overnight they emailed to say the card payment was not taken as the card no longer valid. Less than 12 hours later, on a Sunday when they are closed, I am informed that the cover has expired and I am no longer covered! What?! Give me a chance to sort it out !! They have left me with no insurance cover on my house. I will not bother renewing if that is how they treat customers. Reviewed on: 22nd October 2023

Nothing but stress!

Our home insurance is with John Lewis. Sedgwick instructed builders to rectify my home, after escape of water. The builders completely stripped out all the flooring in the living room, bedroom, hallway. Taken out the electric shower, leaving live wires exposed. Dismantled built in, custom made furniture. Stripped out the complete bathroom, flooring and wall tiles and decided to not continue with the work - rendered our home an unsafe construction site. I have repeatedly asked, begged for them to instruct builders to finish the works so we can move back home. I have been given a list of nonsense excuses. We now have no choice but to contact the solicitor who dictated the letter of complaint again to intervene. Feeling extremely stressed and exasperated by all this. I can’t believe that John Lewis, with its fantastic reputation and the premium I pay for our home insurance policy allow companies like this to operate under their brand. We are not asking for anything extra ordinary, just for our home to be finished so we can move back in and enjoy our home as we did prior to the leak! I cannot put into words the stress and upset this is causing- especially to our daughter who is vulnerable with her health condition and special Reviewed on: 17th October 2023

Great for Listed Property coverage

Brought a listed property, then came to insure and found very limited insurer options. Being a bog standard home (just old). I was mesmerised how the other half live on “specialist” insurers (what exactly is House Platinum, and how many people get caught out if a yacht up to X length is covered if housed jn your boat house, but not if at a marina) So anyway it was a relief to find a listed property insurer who spoke normal people language (how many laptops, tablets, matching sofas, etc.) Not the cheapest (compared to normal house premiums Ive had before) but at least felt like they would understand any claim in the future (touch wood and all) Reviewed on: 30th August 2023

Good Price

I got my contents insurance with John Lewis, was pleasantly surprised of the cost and all you get for it. One happy customer Reviewed on: 23rd August 2023

30% increase in premium with no valid explanation of why

Renewal quote 30% higher. When questioned was told it might be x, it might be y. No rationale except they have changed underwriters. Reviewed on: 23rd August 2023

Good insurer

Shame they are indirectly associated with New Day so will not extend ☹️ Reviewed on: 22nd August 2023

Insensitive and terrible

Tried to cancel my dad's home insurance after his death. The first person I spoke to was utterly insensitive and demanded a lot of proof of his death that isn't actually necessary. Having complained, a manager called back to apologise but told me he'd listened back to the call and it 'wasn't the worst'. When I called back to try to sort the insurance again, the agent forgot to mute the phone and had a long chat with his boss about me and what a difficult customer I am. Surely I'm not the first person calling to cancel after a bereavement, appalling customer service. Reviewed on: 12th August 2023

BE WARNED: JL HOME INSURANCE IS NOT CUSTOMER FRIENDLY

BE WARNED: JL HOME INSURANCE CLAIMS PROCESS IS NOT CUSTOMER FRIENDLY AND DOES NOT LIVE UP TO THE PERCEPTION OF THE JOHN LEWIS BRAND! I purchased Home Insurance from John Lewis in 2022, which was recently renewed. I took the "Add-Ons" of Premium Contents cover and Building cover, believing the online marketing which stated this would provide maximum cover for our belongings in the event of accidental damage. Last week my wife accidentally dropped her mobile phone when trying to open our front door. She took her phone to Apple, who inspected it and gave her a quote for repairs. All under £500. I knew our policy had a £250 excess so any claim would, in effect, be reduced by this amount. So, with this in mind, I went online to make a claim for accidental damage with John Lewis, and that is where the issues began. If you are expecting the traditional "no quibbles, customer-centric approach" from John Lewis, then you are in for disappointment. The online claims portal doesn't work. I tried many times to raise a claim online, and the portal (provided by a third party) just did not pick up my policy details and failed. So I picked up the phone and waited 30mins before speaking to someone. They explained a very straightforward process: 1) Send photos of the damaged phone, 2) Send details of the repaid quote from Apple, and 3) Send the original purchase receipt. I duly sent all these documents and photos in as instructed. The damage is very clear for anyone to see - it was not minor scratches, but a clearly broken glass back on the phone and one of the camera lenses smashed. The next day, as advised by JL, I called back to check on the status of my claim. I was then told there was a completely different process and that, actually, JL require inspection of all gadgets by their own third-party repair and replacement service provider - who they assured me over the phone was "fully authorised by Apple" and therefore, any repairs would not invalidate the warranty or reduce the value of the phone with Apple. However, I was now told this third party would have to arrange for the collection of my phone, send it to their centre for inspection, and then would make a decision on whether the phone could be repaired or whether that was not "economically viable". This is despite Apple already providing a written assessment that the phone could be repaired for a reasonable fee. Apparently, the JL third party is more adept than Apple at assessing repairs to their own products..... "How long will this take?" I ask - it could be up to a week before I hear whether the phone can be repaired. "What if they say it cannot be repaired?" - well they will recommend a "reasonable" replacement. "What is a reasonable replacement?" - a phone of equal value to the value the third party determines your phone is now worth. So, basically, the JL Home Insurance policy with Premium Contents Covers is no such thing when it comes to accidental damage. It is actually a repair and replacement service disguised as Insurance. It is a clever way of minimising the financial payout to you as a customer by getting a third party to undervalue your items, tell you repairs are not economically viable, and then offer you a cheap replacement which will cost them less than just paying out on the policy. As I say, be warned, taking out the policy is very simple - but when you come to claim, be under no illusion, the JL Home Insurance policy is just as awful in terms of customer service as many other policies that don't live up to the marketing hype or brand promise. Reviewed on: 11th August 2023

Do you have a different John Lewis product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Home Insurance
from Barclays 3.36 from 36 reviews
Insurance
from National Counties Building Society 5.00 from 1 reviews
Home Insurance
from Churchill Insurance 3.99 from 155 reviews

There's still more to see!

John Lewis has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub