Landlords fixtures and fittings insurance

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10% of customers pay the equivalent of £13.61 a month*

kitchen in rental property

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Why is fixtures and fittings insurance important?

Even the simplest fittings can be a pain to replace. If you’re maintaining your property from a distance – like so many landlords are – repairing fixed units and assessing damage is easier with purpose-built cover. Alongside general landlord insurance support like contents insurance, landlords’ fixtures and fittings can pick up the cost of repairs and replacement.

  • new-for-old landlord fixtures and fittings insurance regardless of wear-and-tear
  • repair costs for damage or replacement costs if it can’t be fixed
  • cover for theft, plus water, fire, malicious, and accidental damage

What does landlord fixtures and fittings insurance cover?

Fixtures and fittings landlord insurance is designed to cover repair and replacement costs for your fixed units and property, if they get damaged or stolen. From malicious damage to a fire, landlords’ fixtures and fittings protection can pay for brand new replacements – known as ‘new-for-old’ – or the repair job.

Keep in mind, all insurers treat this cover differently. Some will not cover malicious damage made by tenants, and some will consider certain property to be your contents, rather than a fixture or fitting – for example, your carpets. Check your policy wording carefully before you buy.

  • Escape of water

  • Accidental damage

  • Fire

  • Subsidence, ground heave, or landslip

  • Theft

  • Malicious damage

  • Escape of water

    You might claim for this if a leak causes damage to your fixtures and fittings.

    What’s escape of water insurance?

    This insurance can pay for repair and replacement costs, if a large amount of water leaks from inside your property (not caused by an outside flood) and damages your fixtures and fittings.

    For example:

    • a pipe bursts in the kitchen, damaging the new units you’ve installed for your tenant, as well as the built-in dishwasher

    What isn’t covered?

    • some insurers consider certain property to be your contents, rather than a fixture or fitting – for example, your carpets. Check your policy wording carefully before you buy

    This cover is optional, but your insurer may require you to take out fixtures and fittings insurance, in order to cover escape of water.

  • Accidental damage

    What does this cover?

    • any damage caused to your property that’s considered accidental
    • all fixtures and fittings up to the value you’ve decided to cover (known as the indemnity amount)

    When would I need to make a claim?

    • for example, you’ve authorised your tenant to have some building work done. While moving new appliances into the kitchen, their tradesman causes damage to the wooden flooring, and the end of your kitchen unit

    What isn’t covered?

    • some insurers consider certain property to be your contents, rather than a fixture or fitting – for example, your carpets. Check your policy wording carefully before you buy

  • Fire

    What does this cover?

    • damage to your property caused by a fire
    • all fixtures and fittings up to the value you’ve decided to cover (known as the indemnity amount)

    When would I need to make a claim?**

    • for example, a fire caused by your tenant’s slow cooker damages the kitchen’s fixtures, as well as fittings in the dining room

    What isn’t covered?

    • some insurers consider certain property to be your contents, rather than a fixture or fitting – for example, your carpets. Check your policy wording carefully before you buy

  • Subsidence, ground heave, or landslip

    What does this cover?

    • damage caused by some sort of ground movement
    • all fixtures and fittings up to the value you’ve decided to cover (known as the indemnity amount)

    When would I need to make a claim?

    • for example, after heavy and prolonged rain, a slight movement of soil causes extensive damage to your property’s hardwood flooring

    What isn’t covered?

    • some insurers consider certain property to be your contents, rather than a fixture or fitting – for example, your carpets. Check your policy wording carefully before you buy

  • Theft

    What does this cover?

    • fixtures and fittings which are stolen from your property
    • all fixtures and fittings up to the value you’ve decided to cover (known as the indemnity amount)

    When would I need to make a claim?

    • for example, while your tenants are on holiday, thieves break into your property and steal fixed copper wiring, cables, central heating equipment, and a new boiler

    What isn’t covered?

    • some insurers consider certain property to be your contents, rather than a fixture or fitting – for example, your carpets. Check your policy wording carefully before you buy

  • Malicious damage

    You might claim for this if your tenants or their guests intentionally damage your fixtures and fittings.

    How much cover will I get?

    • We provide cover from £2,500 to £10,000 for each malicious damage claim.

    **For example:

    • your tenant has a house party and one of their guests intentionally damages the bathroom, breaking the sink and toilets

    What isn’t covered?**

    • some insurers consider certain property to be your contents, rather than a fixture or fitting – for example, your carpets
    • malicious damage by tenants is covered as standard by some insurers, but others might not cover it at all, or only when you’ve selected accidental damage cover

    Always check your policy wording carefully before you buy, to make sure you have the right cover for your property.

This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does fixtures and fittings landlord insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £13.61 per month

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*The price is for building and £2 million property owners’ liability insurance only – 10% of customers paid £163.27 or less annually in 1st Feb – 30th April 2025. Equivalent to £13.61 a month (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available, including up to £5 million of property owners’ liability insurance. These all have additional costs.

Example fixtures and fittings insurance quotes, real prices

£8.78 /month

£67.81 /year

Renting a flat to a young couple

  • Residential
  • Individual flat in purpose built block or building
  • 2 bedrooms
  • 1 bathroom
  • Built between 1980 and 1989
  • 2-3 years
  • Occupied
  • Based in Newcastle upon Tyne

Fixtures and fittings

£7,501 to £10,000

Contents

£5,001 to £7,500

Property owners’ liability

£2,000,000

£17.55 /month

£155.47 /year

Renting out a large flat in a converted building

  • Residential
  • Individual flat in converted building or house
  • 5 bedrooms
  • 2 bathrooms
  • Built between 1980 and 1989
  • Over 5 years
  • Occupied
  • Based in Norwich

Fixtures and fittings

£20,001 to £30,000

Contents

£12,501 to £15,000

Property owners’ liability

£2,0000,00

How we work out example quotes These examples are real quotes from our online system (created 15/07/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

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Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

76% of claims were settled in 2024.

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.

Example claim

Having fixtures and fittings insurance through Simply Business has saved landlords thousands of pounds when the unexpected happened.

Sabbir saved more than £1,400

Sabbir (not his real name) discovered a leak under the bath in his property, just before new tenants were due to move in. His plumber finds water damage throughout the room, but the landlord fixtures and fittings insurance added to his policy covered Sabbir’s escape of water costs.

Insurance payout

£1,429.24

Covering the cost of escape of water

Insurance payout

Covering the cost of escape of water

Covering the cost of escape of water

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Landlords fixtures and fittings insurance FAQ

Whether you’re new to buying landlord insurance or you’ve been letting your property for a while, here are the answers to some commonly asked questions, as well as a clear landlords’ fixtures and fittings definition. You can also check out our landlord insurance FAQs.

This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions.