Building Insurance
Looking after the place you call home
Your property is likely to be one of your most valuable assets, whether you’re purchasing your first home or have owned property for many years. Ensuring it is properly protected is essential – and that starts with having the right buildings insurance in place.
At Capricorn Financial Mortgages, our team of specialist insurance advisers provide clear, personalised guidance to help you secure comprehensive cover that reflects the true value of your home and your individual circumstances.
Why every homeowner needs buildings insurance
If you’re taking out a mortgage on a freehold property, your lender will require you to have buildings insurance to protect their financial interest. But this protection is just as important for homeowners without a mortgage.
Buildings insurance ensures that, should the worst happen – such as a major fire, flooding, structural collapse or other significant damage – you have the funds to repair, reinstate or fully rebuild your home. Without adequate cover, the financial implications can be severe.
Avoiding the risk of underinsurance
A high percentage of UK homes are underinsured (source: CII February 2026), often because property owners use generic online quotes or assumptions rather than receiving appropriate guidance. Underinsurance means that in the event of a claim, your insurer may only pay out a proportion of the reinstatement cost – leaving you responsible for a substantial financial shortfall.
At Capricorn Financial Mortgages, we take the time to understand your property, its construction type, rebuild value and your specific needs to ensure your cover is accurately aligned with the true cost of reinstatement. There is no ‘one size fits all’ approach, and our advisers will help you avoid the common pitfalls that many homeowners face.
Tailored protection for every property type
Our insurance advisers have extensive knowledge across the residential market and can arrange buildings insurance for a wide range of scenarios, including:
- Main residences
- Buy-to-Let investments
- Second homes and holiday homes
- Non-standard construction properties
- Listed or heritage buildings
Regardless of your property type, we source appropriate cover from insurers who understand the specific risks and requirements associated with your home.
Support for complex or specialist situations
Certain situations require more specialist expertise. We can advise on suitable buildings insurance for:
- Unoccupied properties
- Homes undergoing renovation or structural works
- Properties requiring higher-value or bespoke cover
- Large or unique homes with less common rebuild requirements
Our advisers ensure you receive the right guidance and protection, especially where standard policies may fall short.
Expert advice you can rely on
Choosing buildings insurance isn’t just about price – it’s about making sure you’re properly protected. At Capricorn Financial Mortgages, we provide personalised advice, help you understand the details of your cover, and remain on hand throughout your policy and any claims process, giving you peace of mind.