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Why do you need home insurance?

Due to the credit crunch a lot of people are passing on taking out insurance, which may save cash initially but it won't in the long run. So why do you actually need home insurance?

When you commit to buying a house it is a huge investment and it can be a stressful time. Looking after a big investment is a daunting prospect but that can be done with your home insurance. It is there to back you up should something go wrong, even in the course of everyday life a little incident can happen which will damage your home.

Aside from peace of mind, home insurance is actually a requirement of most mortgage lenders. Standard home insurance policies will cover damages to your property, and much of the contents. Damage can be from a break in, to bad weather, all of which will be covered

Home insurance also covers injuries and property damage, this liability coverage will pay for medical payments to third parties, and legal bills if someone decides to bring a lawsuit against you.

It is always worth looking at the small print so you know what you are covered for and if you have some items in your home which are of high value it can be worth stating them when taking out your home insurance. Also if you are in a flood risk area that needs to be stated too just to make sure you are covered.

For advice on home insurance talk to Westhill Insurance who specialises in this area. Westhill has friendly staff who are experts in insurance and will be more than happy to help you out.

This month Westhill is offering 10 per cent off all household policies taken out with them. On top of that, Westhill is also celebrating its 25th anniversary in insurance, and is offering free insurance to some lucky customers. For every 25 policies placed on cover with us, one will be chosen at random and refunded. Please click here and read more.

Westhill Insurance covers bike insurance, car insurance, van insurance, home insurance, business insurance, let property insurance, commercial insurance or even public liability insurance. It is willing to talk with you and come up with a tailor-made deal to suit. In the current climate of financial and insurance crisis Westhill Insurance understands the fear of dealing with a large impersonal, unaccountable organisation and sets itself apart as the broker you can speak to and trust.

For more information on Westhill Insurance or a quote, visit www.westhill-insurance.co.uk or call on 0844 371 7000 Mon – Fri 0900-1730 and Sat 0900-1300.

Posted on 21st August, 2009