Features Overview

 
 

When it comes to home insurance, understanding what’s covered under your policy can save you from unexpected surprises. For homeowners and flat owners alike, one key question often arises: are fixtures and fittings covered?

Many assume that a block insurance policy or standard buildings and contents insurance is sufficient. However, gaps in coverage can leave you exposed, especially when it comes to fixtures and fittings.

This guide will help you navigate the nuances of fixtures and fittings, understand potential coverage gaps, and ensure your insurance provides comprehensive protection.

What Are Fixtures and Fittings?

To clarify, fixtures are items permanently attached to your home. These include:

  • Built-in wardrobes

  • Kitchen cabinets and countertops

  • Bathroom fittings (e.g., sinks, toilets, and built-in shower enclosures)

  • Laminate or hardwood flooring

On the other hand, fittings are items that aren’t permanently fixed and can be more easily removed, such as:

  • Curtains and blinds

  • Freestanding furniture

  • Rugs and carpets

  • Light fixtures

Why does this distinction matter?

  • Buildings insurance generally covers fixtures, as they are considered part of the property’s structure.

  • Contents insurance typically covers fittings, as they are viewed as personal belongings.

However, insurance policies can interpret these definitions differently, and gray areas often exist. For example, some policies might classify fitted carpets as part of the building, while others might treat them as contents.

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