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.

See Cherish Home features

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.

Important downloads

Policy wording
Additional Information
Product Governance &
Fair Value Assessment
Insurance Product Information Documents:
Buildings & Contents
Buildings
Contents

Additional benefits

UK-based service and claims teams
Transferrable protected No Claims Discount
24/7 claims

Also recommended

Cherish Second Home insurance

Any questions?

Call us on 01255 871965

Office hours

09:00-17:00 Monday to Friday (excluding bank holidays)

Protect the things you love with Cherish

Cherish Insurance Services is a trading name of Plum Underwriting Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 309166. You can check this on the Financial Services Register by visiting the FCA website or by calling the FCA on 0800 111 6768.

Registered in England & Wales with Company Number 04509589.
Registered office: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE.

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