5 reasons to look again at your home insurance

Home insurance is essential – from protecting your possessions to giving you peace of mind, here’s why you should review your policy

dark grey sofa in front of pale wood open shelves and a rattan pouffe
(Image credit: John Lewis & Partners)

Advertisement feature for John Lewis Home Insurance

Our homes are our sanctuaries – they’re the ultimate place where we can let go, be ourselves and unwind. We work hard to create safe and comfortable spaces for our families as they’re the backdrop to so much of our lives. It’s only right then, that our most precious (and expensive) commodity has the best protection. Although it may not be top of your home to-do list, it’s important to review your home insurance to make sure it’s right for you. The right policy will ensure your spaces and possessions are covered, so you can relax and enjoy your home. Doesn’t that sound good? In case you need any more encouragement, we’ve compiled the top five reasons why you should act now to make sure you have the right insurance for your home.

1. The right level of insurance will protect what’s precious to you

Many of us spend months saving up for the perfect sofa, latest piece of tech or a precious piece of jewellery. If these were stolen or damaged all at once, could you afford to replace them all? Contents cover from John Lewis Home Insurance is designed to cover the cost of stolen or damaged items and valuables to help soften the blow if something happens to your belongings. Plus, you can make changes at any time without incurring extra costs, making it simple to ensure you have the right level of cover.

a wooden desk and mustard chair set up in a bedroom

(Image credit: John Lewis & Partners)

2. It’ll make sure you’re covered for the worst

Sometimes, emergencies happen and our homes are no longer a safe haven. If your home can’t be lived in as a result of damage that’s covered by your policy, home insurance can cover the reasonable costs of temporary accommodation, so you can set up camp elsewhere while your home is being restored (there are often limits to how much is covered, so it’s worth checking your policy details). Buildings cover from John Lewis Home Insurance covers the cost of similar accommodation, including for your pets!

pale pink bedding and a wooden bedside tablle with a plantpot and clock

(Image credit: John Lewis & Partners)

3. Keep protected against life’s little mishaps 

Red wine on your soft new white carpet, or nailing through a water pipe while positioning the perfect gallery wall – they’re easy mistakes to make, but they can be costly. If you opt for John Lewis Home Insurance’s accidental damage cover (there are options for buildings and contents), you can pour yourself that extra glass of wine or throw yourself into DIY, knowing that your insurance has your back if something does go wrong. *Note* please do check for water pipes and electrics before drilling, though.

4. Home insurance doesn’t just protect your home 

Many insurers provide cover options beyond your standard buildings and contents. John Lewis Home Insurance includes ID Theft Cover as standard and optional add-ons such as Personal Cyber Cover, Bicycle Cover and Student Cover. What’s more, you can change your add-ons at any time, without admin fees or hidden charges, so you really can tailor your cover to suit your needs.

a blue shapely glass vase on a white table

(Image credit: John Lewis & Partners)

5. Give yourself peace of mind 

Our homes are about so much more than how they look, they’re about how they feel. The right home insurance can give you the confidence to enjoy life’s little moments. So you can throw that birthday party for your child, invite your friends round to dance in the kitchen until the early hours or go on that dream holiday without having to worry about your home. With John Lewis Home Insurance, you also have the reassurance that you’ll pay no more than a new customer when it’s time to renew - this is the kind of fairness that we love. 

So if you’d like one less thing to worry about, head to John Lewis Home Insurance, where you can build your policy and get a quote quickly and easily.

Is your home looking a little tired? The new ANYDAY range of furniture and home accessories has all you need to breathe fresh air into your space - all with an affordable price tag. It’s a great one-stop-shop for revamping your home for the new year and upping that all-important cosy factor as the chilly nights continue.

Real Homes is part of Future plc which is an affiliate partner of John Lewis Home Insurance. John Lewis Finance, John Lewis Home Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). 

John Lewis plc is an appointed representative of Munich Re Digital Partners Limited, a company authorised and regulated by the Financial Conduct Authority to carry on insurance distribution activities. John Lewis plc is an appointed representative (Financial Conduct Authority no. 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 (registration no. 202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered Office: Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales (registration no. 613259).

Real Homes is committed to sharing the best advice on everything from renovating your home to what products to fill it with. From DIY how tos, to ideas galleries and reviews Real Homes offers knowledge and expertise to help you do what you need to do, in a way that hopefully makes the process fun and easy. Our sponsored content is not an editorial endorsement, but allows you to connect with brands to assist your home renovation journey and alerts you to products you may not have known about before.