Cherish Home B&B insurance
Cherish Home B&B is a great value extension to 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 6 bedrooms with a maximum of 5 letting bedrooms.
All the benefits of Cherish Home, plus more!
Cherish Home is a Defaqto 5 Star policy which includes unlimited buildings and contents cover, accidental damage, theft and liability, all as standard.
Flood Re cover is also available for qualifying properties at high risk of flood damage.
|Main policy features (see policy booklet for full cover)|
|Buildings insurance (optional)|
Includes garages, outbuildings and swimming pools
|Contents insurance (optional)||Unlimited|
|Accidental damage included as standard||Unlimited|
|Valuables in the home|
|- Single unspecified item limit||£15,000|
|- Total limit per claim||£30,000|
|Personal possessions away from the home||Optional|
|- Single specified item limit||£5,000|
|- Single unspecified item limit||Sum insured or £5,000 (lowest one)|
|New for old replacement including suites if a replacement cannot be found||Unlimited|
|Fire, flood, escape of water and oil||Unlimited|
|Subsidence, ground heave, landslip||Unlimited|
|Storm or flood||Unlimited|
|Temporary removal from the home £2,500 limit for theft, including from students and dependant relatives||Unlimited|
|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|
|Liability to domestic staff||£10 million|
|Excess amount per claim||£100|
|Except: £350 escape of water and £1,000 subsidence|
|Up to 10yrs protected No Claims Discount (separate for buildings and contents)||Up to 47% off|
|The B&B extension includes:|
|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|
- Loss of income will be doubled to £30,000 per claim if both buildings and contents cover are taken together.