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Landlords fixtures and fittings insurance

Join over 315,000 property owners who’ve chosen us for their cover. Compare landlords’ fixtures and fittings insurance from trusted brands.

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Rated 4.7/5

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For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

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

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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

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 £13.26 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example fixtures and fittings insurance quotes, real prices

covea logo

£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

churchill logo

£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.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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    Get your documents the same way

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£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

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

  • Sabbir’s costs

    £100

    The excess amount stated in Sabbir’s policy terms

Chosen by 800,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 315,000 landlord customers now trusting us to provide their insurance.

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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 will depend on your specific circumstances, the type of property you’re renting out, your tenants, and various other factors. Right now, our landlord policy prices start from £13.26 per month.

    To work this out, we take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 1 January - 31 August 2021). Most customers pay more than this but some pay less.

  • These items tend to be the units and features and interiors inside your property which are either fixed (attached) in place, or, in the case of fittings, screwed or nailed in place.

    Sinks, units, worktops, and radiators are usually classed as fixtures, for example, whereas toilet seats, shelves, curtains, and free-standing items tend to be seen as fittings.

  • This will depend on your tenancy agreement and insurance policy wording, but as a landlord, you’re usually responsible for making sure any fixtures and fittings which were in the property before a tenant moved in, are sufficiently covered. Under a tenancy agreement, your tenant may be responsible for their own negligence which causes damage, but landlords will usually be responsible for dealing with deterioration, and fair wear and tear.

  • Light fittings are normally classed as fixtures and fittings. A building insurance policy can often cover fixtures and fittings, but not in all cases, so you’ll need to check your policy wording carefully, keeping an eye out for specific detail around light fittings. In general, if the light fittings are items you’d take with you when selling the property, specific fixtures and fittings insurance may be a good idea.

  • Home insurance is required when you want to insure the home you’re living in against accidental loss or damage.

    Landlord insurance is different – it’s required when you own a property that you rent out to a third party, and don’t live in yourself. It covers different insurance risks from a home policy, taking into account the type of tenant you rent to and how long you’ve owned the property. It also allows you to insure the property and protect yourself against things like loss of rental income, and malicious damage caused by your tenants.

  • You can add a range of other important covers to your landlord insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for landlords

7 February 2017 • 2-minute read

Letting commercial properties: what are my responsibilites?

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