What is fixtures and fittings when it comes to insurance? In particular, with regard to leaseholders, what is considered buildings, so should be insured under the freeholder’s or management companies block policy. Then you have to factor in leaseholder’s installed and owned fixtures and fittings. This may be excluded from the block buildings insurance. Finally there’s household goods, which should be insured under a contents insurance.

Whilst there is no set definition for what makes up fixtures and fittings, but as a general rule of thumb fixtures is an item or items that you would expect to find in a private dwelling that is bolted to the floor or walls. Fittings again would be an item you would find in a home that is free standing or hung by a nail or hook.

Fixtures examples

• Light fitments, excluding the shades
• Built in wardrobes and cupboards
• Bathroom suites (sinks, baths, toilets and bidets)
• Kitchen units

Fittings examples

• Curtain rails
• Free standing domestic appliances (ovens, refrigerators and washing machines) would come under contents insurance