Home Insurance 

Owning property can bring a sense of security.

However, property ownership also comes with a range of financial risk, from flooding and fire, to the loss of personal possessions in the event of a burglary.

Understandably, there is an eye-watering amount of home insurance policies and cover options for you to choose from.  That’s why our approach is refreshingly clear and straightforward.

We’ll start by assessing your needs, learning more about your personal circumstances so we’re able to present you with the most suitable options.

Our expertise will help to ensure your policy begins at the right time, whether you’re buying your first home, or you want to provide replacement cover. Meanwhile, our access to whole-of-market products means we’re able to personally select the right cover for you, at the right price.

(Yes, you could use a price comparison website if you really want to.  But talking to us is much more useful.  Not only will we help you avoid being under-insured, we’ll also ensure you understand the often neglected ‘small print’ that can prevent you from making a claim).


What amount should I be insured for?

We ask in-depth questions that can easily be overlooked, so you understand what your policy covers and importantly ensures you have the correct level of insurance for your needs.  


I don’t understand the small print

One of the main pitfalls of obtaining insurance on line is that any disclaimers in the small print can be easily misunderstood. Ask us all the questions you need.


Optimum level of cover

Our expert team ensure your policy commences when you need it to avoiding any gaps in your cover and use their experience and industry contacts to obtain the maximum cover at competitive prices.

Let us contact you

Simply complete the details above, and a member of our friendly team will call or email to arrange an appointment.

Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.

What is the next step

Step 1

Life continually moves on and with that comes increased responsibility. Whether you are buying a home or starting a family, it is an exciting time but you must plan ahead now to ensure that if something goes wrong, you and your loved ones are fully protected.    

Step 2

Speak to our friendly team to discuss your needs. Simply book an appointment and we will advise you on the right level of cover. With whole of market access we will ensure you find the right products for your individual needs.

Step 3

Our expert team have a wealth of experience helping individuals and couples plan for their futures. Whether you are considering mortgages, life insurance or income protection we will find the right option for your circumstances protecting you for the future.

Ready to talk to a professional

Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.

With direct access to whole of market products we get you the best cover at the right price.

Frequently asked questions

What does home insurance cover?

There are two parts two home insurance, buildings and contents. In simplistic terms, imagine picking up your home and shaking it. Anything that would move is covered under contents insurance and anything that doesn’t move is covered under buildings insurance. The cover is designed to provide financial compensation for events such as fire, flood damage, storm damage, burglary etc. There are additional optional extras including accidental damage cover, should you inadvertently hit a nail in a water pipe for instance, cover for personal possessions taken outside of the home, pedal cycles and having legal assistance providing advice and covering court fees if you wish to take legal action.

Do I need home insurance if I have already secured a mortgage?

Yes. Buildings insurance is the only compulsory policy you have in place at the point of exchanging contracts when taking out a mortgage. This does not have to be provided by us or the lender. If you are purchasing a flat, then usually this is already taken care of by the management company which is paid through your monthly service charge. We always recommend that home insurance is in place so that you are able to put right any damage to your property or replace your worldly possessions in the event of damage or burglary.

What would I be able to claim on my home insurance?

As soon as you are aware of any damage or theft you should immediately make a claim. Should you take out a policy through Chambers Financial Services, we will provide you with all the specific policy details and contact numbers to phone to make the claim. We will, of course, provide any support required at what would be a very difficult time.

Couldn’t find your answer? Ask a question

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Let’s get started

To arrange an appointment with our friendly team, all you have to do is click the button below.  We’re looking forward to meeting you.




Equity Release





Chambers Financial Services Limited is an Appointed Representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No:08201095, Registered Address:Arlington House West Station Business Park, Spital Road, Maldon, England, CM9 6FF We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Click here for more information. Internet Privacy Policy


Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £499.

The Financial Conduct Authority do not regulate buy to let mortgages.

© Chambers 2021    |    Privacy Policy   


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For Home Improvements




Insurance Services:

Life Insurance

Critical Illness

Income Protection

Mortgage Protection 

Home Insurance  




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