Home & Contents Insurance
Comprehensive protection for the possessions you value most
Your personal belongings make your house a home – yet many people underestimate their worth. Without the right contents insurance in place, replacing them after theft, loss or damage can be far more costly than expected.
At Capricorn Financial Mortgages, our specialist insurance advisers take the time to understand what matters to you, ensuring every item is properly valued and protected. With us, nothing is overlooked and no stone is left unturned.
Why contents insurance matters
Placing a true value on your possessions is harder than it sounds. Furniture, electronics, jewellery, artwork and everyday items accumulate over years, and their combined worth is often far higher than anticipated.
Unfortunately, many homeowners only discover they are underinsured at the point they make a claim – when it’s too late to rectify the shortfall.
Capricorn Financial Mortgages helps you avoid this risk by ensuring your policy reflects the real value of everything you own so they can be repaired or replaced without unnecessary financial stress.
Solving the under-insurance problem
To give you complete confidence, Capricorn Financial Mortgages has introducer relationships with specialist industry valuers who can assess jewellery, watches, antiques, art collections and more. Accurate valuation helps in protection.
Underinsurance is a common issue, especially when:
- Valuables have appreciated over time (e.g., gold, precious stones)
- Family heirlooms or collectibles have not been professionally valued
- People rely on guesswork rather than a detailed assessment
- High-value items are not declared individually
- Specialist items fall outside the limits of standard policies
Policy built around your lifestyle
Our advisers explore every detail of your personal circumstances before sourcing the most suitable cover. This includes understanding:
- The total value of your contents
- Any valuable or sentimental items that require separate cover
- Whether you need worldwide protection for personal possessions
- If you’re insuring high-value or unique collections
- Your lifestyle, including travel habits or second home use
With this knowledge, we source policies that provide the right level of protection – without unnecessary restrictions or unrealistic requirements.
Why choose Capricorn to find contents cover?
Capricorn Financial Mortgages works closely with specialist insurers to secure practical, well-suited contents cover. Our strong relationships allow us to clearly present your needs, negotiate fair policy terms, and avoid unnecessary conditions – ensuring personalised advice and a smooth, stress-free experience from start to finish.