Under the buildings insurances we offer domestic garages and outbuildings are automatically insured, provided within the boundaries of the land belonging to the home. If you have an annexe, again within the land, this can also be insured under the one policy. We would need to know the occupancy of the annexe, so a quote […]
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.
- Light fitments, excluding the shades
- Built in wardrobes and cupboards
- Bathroom suites (sinks, baths, toilets and bidets)
- Kitchen units
- Curtain rails
- Free standing domestic appliances (ovens, refrigerators and washing machines)
- Television aerials and satellite dishes
For a quote for a combined leaseholders improvements and contents insurance, please click on the link:
Bathroom insurance, you certainly cannot insure just the one room in your home. All of the bathroom fittings would be covered under a buildings insurance. We are blogging about a fitted bathroom paid for by the leaseholder in a flat or maisonette. Depending on the wording under the freeholders or management company’s buildings insurance the […]
When you think of a live in landlord Rising Damp and Rigsby comes to mind. These days the modern version is very different. Co-habitating with tenants, lodgers or longer term paying guests ticks numerous boxes. Instead of a collection of individuals living very separate lives, with a live in landlord main activity being trying to […]
A year is a long time in the life of a website, or in our case it’s been 13 months since our last blog. The reason for the sizable gap, there has been so much else going on and this has contributed to writers block. Knowing that it is favourable to keep our site fresh […]
Having had an enjoyable Christmas and New Year it is now time to spend time on moving forward for 2015 with a website revamp. This will hopefully happen in the next month and once completed the changes should mean that our website is much easier to navigate on a mobile device, such as a tablet […]
We are pleased to advise that we have upgraded the Ember JD website to https, so all pages and posts, including quote forms, are secure. Therefore whatever you go on our website the data you input will be encrypted, so cannot be viewed by other parties. The padlock in the address bar confirms this. More […]