Fixtures and fittings: Why they matter in home insurance
Do you know the difference between fixtures and fittings? It'll help you decide which home insurance policy is right for you.
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Everyone's heard of fixtures and fittings, but do you know what they really mean? The commonly used duo might seem alike, but they're actually two different things.
Fixtures: Items that are firmly attached to your home and difficult to remove.
Fittings: Temporarily attached to the property or free standing items which can be removed.
There are some exceptions to the rule though. For example, carpets are almost always considered fixtures. We recommend contacting your insurer directly if you need clarification.
Protect your fixtures and fittings with home insurance
Generally, building insurance protects fixtures and contents insurance protects fittings. All of the home insurance policies in the table below protect both.
What are fixtures?
Fixtures are items that are firmly attached to your home. There are some exceptions to the rule but generally, you would not take fixtures with you if you decided to move home.
- Baths and sinks
- Kitchen counters
- Floor and wall tiles
- Decking and verandahs
- Toilets and showers
- Solar panels
- Heating systems
- Fences and gates
Home insurance policies that cover fixtures
There are two types of home insurance that can cover your fixtures.
This type of policy will cover the physical structure of your home. This includes things like solar panels and your bathroom sink, but it won't include your fittings or contents.
This type of policy is more comprehensive since it will cover both your fixtures and fittings. It covers the physical structure of your house and the belongings you keep in it.
What are fittings?
Fittings are items that are freestanding or temporarily attached to your home. Generally, you would take fittings with you if you moved elsewhere. However, there is one major exception – fitted carpets. They are classed as fittings.
- Blinds and curtains
- Potted plants and artwork
- White goods
Home insurance policies that cover fittings
You can choose from two types of home insurance to cover your fittings.
This policy can cover your fittings and other things you have around your home. Just keep in mind that it won't cover things that are permanently attached to your home, or the physical house itself.
A home and contents insurance policy is probably the more comprehensive option since it can cover both fittings and fixtures. This way, you don't have to figure out which is which.
Want to know more about insuring fixtures and fittings?
You can read our beginner's guide on home insurance to learn more about policies which cover both fixtures and fittings.
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