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Fixtures and fittings insurance

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Trusted by 600,000 customers

Insuring businesses and landlords for over a decade

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Satisfaction score of 9/10

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Award-winning claims team

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Tailored cover for your fixtures and fittings

When you rent out a property you want to keep your fixtures and fittings protected.

Generally, your fixtures and fittings are covered by your landlord buildings insurance, but in some cases - for example if you own a flat and the buildings insurance is arranged by the freeholder - you may decide to take out a policy to cover your fixtures and fittings.

Whether it’s ruined skirting boards or damaged kitchen units, this insurance will help you cover the costs of repairing or replacing any damaged fixtures and fittings in your property.

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Landlord insurance covers

  • Buildings insurance
  • Contents insurance
  • Loss of rent
  • Property owners' liability
  • Alternative accommodation insurance
  • Employers’ liability
  • Accidental damage insurance
  • Landlord home emergency cover
  • Landlord boiler breakdown cover
  • Unoccupied property insurance
  • Tenant default insurance
  • Rent guarantee insurance
  • Landlord legal expenses insurance

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Landlords fixtures and fittings definition

The definition of fixtures and fittings, for insurance purposes, is anything that cannot reasonably be removed and taken to a new home.

If you turned the building upside down and shook it, anything that didn’t fall loose would generally count as a fixture or fitting. That includes curtains and blinds, skirting boards, carpets, built-in units and plumbed-in items like sinks and toilets.

Does contents insurance cover fixtures and fittings?

Contents insurance covers items that can be removed from the property, such as furniture. It doesn’t cover fixtures and fittings.

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Why Simply Business?

  • We're one of the UK's biggest business insurance providers
  • All settled claims paid within 24 hours
  • 9/10 Feefo ratings say we’re good (or excellent)
  • 600,000 customers (and counting)
  • Claims handled by an award-winning team
  • Quote comparisons available from multiple insurers
  • We run things from an expert, UK-based contact centre

All of this, plus expert insight and connections in our Knowledge Centre, full of tips, articles, videos, and podcasts to help you manage your rental.

Landlord insurance FAQs

  • What is landlord insurance?
  • What does landlord insurance cover?
  • Why do I need landlord insurance?
  • Why not just home insurance?
  • Is landlord insurance mandatory?
  • How much does landlord insurance cost?

More FAQs

  • What type of landlord insurance do I need?
  • How much landlord insurance do I need?
  • How do I find cheap landlord insurance?
  • How much tax does a landlord pay?
  • Landlord insurance FAQs

Read more about

  • Landlord insurance
  • Buy-to-let insurance
  • Commercial landlord insurance
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  • Landlord insurance covers

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist.

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It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.

R Matthews, Handyman

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Fixtures and fittings insurance

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6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.