Second Home insurance
Cherish Second Home insurance provides uncompromising protection which is flexible enough to suit most UK properties. Flood Re cover is also available for qualifying properties at high risk of flood damage.
Tailored protection for holiday homes
Whether you have a weekend cottage in the country or a seaside holiday flat, Cherish Second Home will help you to protect the things that matter most.
It's also perfect for holiday rentals; if required, the provision for Paying Guests includes employer's liability, loss of hiring fees and alternative accommodation.
| Main policy features (see policy wording for full cover) | |
|---|---|
| Buildings insurance (optional) Includes garages, outbuildings, perimeter fencing and swimming pools | £1 million (option to increase) |
| Contents insurance (optional) | £75,000 (option to increase) |
| Accidental damage included as standard | Sum insured |
| Paying Guests cover (optional) | |
| - Loss of hiring charges | 20% sum insured |
| - Employer's liability | £10 million |
| Paintings and works of art | £15,000 |
| New for old replacement | Sum insured |
| Alternative accommodation | 20% sum insured |
| Fire, flood, escape of water and oil1 | Sum insured |
| Subsidence, ground heave, landslip | Sum insured |
| Storm or flood | Sum insured |
| Theft | Sum insured |
| Emergency entry | Sum insured |
| Replacement locks | £1,000 |
| Frozen food | Contents sum insured |
| Garden furniture, trees and plants | £500 |
| Contents in the open | £1,000 |
| 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: £500 escape of water and £1,000 subsidence | |
| Up to 10yrs protected No Claims Discount (separate for buildings and contents) | Up to 47% off |
Individual limits, exclusions, excesses and conditions apply. See policy wording for full details.
Notable exclusions or limitations
Cherish Second Home insurance does not cover money, personal effects or valuables.
More exclusions are shown in the policy wording.
Get a Second Home quote today!
Cherish Second Home insurance is suitable for most locations in the UK, with the majority of postcodes covered.
- Additional conditions and increased excesses apply between October and March. Full details can be found in the policy wording.