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What's the difference?

There are a lot of insurance options out there especially when it comes to home insurance. Do you actually know what you are buying though?

Home insurance can be broken down into two parts, buildings and contents. Buildings, covers what the actual building is made up from. Such as walls, doors, windows, guttering and roof. Contents covers your belongings. Such as furniture, electricals, even down to your clothes.

When it comes to buildings insurance you need to consider things like storm damage, fire, flood and even theft. You need to consider the costs of replacing your outdoor fittings if there should be a problem.

Check out all items that are permanent fixtures inside and outside your house. This can include your garden shed, swimming pool and fireplace fittings. You also need to consider the cost to rebuild your home which can be difficult. Imagine it being wiped out completely and having to start over from scratch including labour costs. That is what you need to look at when sorting out your buildings insurance.

If you are concerned that you have miscalculated you can actually get some professional help from the Building Cost Information Service (BCIS) run by the Royal Institution of Chartered Surveyors.

It is worth being adequately covered as your home is the biggest purchase you are likely to make. For friendly and helpful advice speak to Westhill Insurance who prides itself on customer service.

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 28th September, 2009