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.
Generally, building insurance protects fixtures and contents insurance protects fittings. All of the home insurance policies in the table below protect both.
We currently don't have that product, but here are others to consider:
How we picked theseWe crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
| Response | |
|---|---|
| Yes | 68.37% |
| No | 18.06% |
| I don't know | 13.57% |
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.
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.
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.
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.
You can read our beginner's guide on home insurance to learn more about policies which cover both fixtures and fittings.
If you only want to insure the permanent fixtures, check out building insurance. If you're interested in insuring fittings, take a look at contents insurance.
Compare home insurance to cover your fittings and fixtures
Icons made by Vectors Market from www.flaticon.com
Picture: GettyImages
If you're over the age of 50 and are looking for the right home insurance policy, National Seniors could be one to consider.
Find out what you will be covered for with RACV Home Insurance.
Review of Bank of Melbourne Home Insurance.
Get cover for things like storms, lightning, theft and malicious acts. Choose from 3 levels of cover: essential, quality and premier care.
A review of NAB's home and contents insurance policies. Find out how NAB can cover your house and possessions, giving you peace of mind and protection against the worst.
Compare 3 home and contents insurance policies with St.George. Get a 10% discount for the first year if buying online.
Here's a detailed review of Bendigo Bank home insurance with information on 3 cover options.
Bupa Health Members may want to consider taking out a Bupa Home Insurance policy – you can get up to 15% off.
What you need to know about finding the best home insurance for you. Compare policies and learn what questions to ask when researching insurance policies.
Compare home insurance policies from AAMI and find the right cover.
