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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.
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.
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 pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.
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