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