Cherish Home B&B insurance
Cherish Home B&B is a great value version of our Cherish Home policy which offers small bed and breakfast owners the best of both worlds. In addition to outstanding quality home insurance, you'll enjoy essential B&B cover for you and your guests.
Suitable for owner-occupied homes of up to 5 bedrooms with a maximum of 4 letting bedrooms.
All the benefits of Cherish Home, plus more!
Cherish Home is an extensive policy which provides £2 million blanket sum insured buildings cover and £250,000 blanket sum insured contents cover. It also includes accidental damage, theft and liability cover all as standard.
Flood Re cover is also available for qualifying properties at high risk of flood damage.
| Main policy features (see policy wording for full cover) | |
|---|---|
| Buildings insurance (optional) Includes garages, outbuildings and swimming pools | £2 million |
| Contents insurance (optional) | £250,000 |
| Accidental damage included as standard | Sum insured |
| Valuables in the home | |
| - Single unspecified item limit | £15,000 |
| - Total limit per claim | £30,000 (option to increase) |
| Personal possessions away from the home | Optional |
| - Single unspecified item limit | Sum insured or £5,000 (lowest one) |
| - Maximum limit | £50,000 |
| New for old replacement including suites if a replacement cannot be found | Sum insured |
| Alternative accommodation | Unlimited within reasonable cost |
| Fire, flood, escape of water and oil | Sum insured |
| Subsidence, ground heave, landslip | Sum insured |
| Storm or flood | Sum insured |
| Theft | Sum insured |
| Identity theft | £50,000 |
| Emergency entry | Sum insured |
| Replacement locks | £1,000 |
| Frozen food | Sum insured |
| Business equipment | £15,000 |
| Bicycles | Sum insured |
| Temporary removal from the home £2,500 limit for theft, including from students and dependant relatives | Sum insured |
| Garden furniture, trees and plants | £5,000 |
| Contents in the open | £5,000 |
| 24hr home emergency assistance and helpline | £1,500 per call out |
| Family legal protection and 24hr helpline | £50,000 |
| Property owner's liability | £5 million |
| Public liability | £5 million |
| Tenants liability | £10,000 |
| Liability to domestic staff | £10 million |
| Excess amount per claim | £100 |
| Except: £500 escape of water and £1,000 subsidence | |
| Up to 10yrs protected No Claims Discount (separate for buildings and contents) | Up to 47% off |
| Cherish Home B&B includes: | |
|---|---|
| Business equipment | £15,000 |
| Loss of income (per claim) | £15,000/£30,0001 |
| Alternative accommodation for up to 2 years | Unlimited within reasonable cost |
| Employer's liability in connection with B&B | £10,000,000 |
| Standard excess | £250 |
Individual limits, exclusions, excesses and conditions apply. See policy wording.
- Loss of income will be doubled to £30,000 per claim if both buildings and contents cover are taken together.