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)
• Television aerials and satellite dishes

For a quote for a combined leaseholders improvements and contents insurance, please click on the link:

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Leaseholders and kitchens, or specifically what happens when a flat or maisonette leaseholder installs their own kitchen, is there cover under the freeholders buildings insurance….First things first we would suggest that the leaseholder checks with the freeholder or management company to see whether there is cover. Installing a new kitchen is a major financial investment and accidents can happen, such as a fire or escape of water damage. The average new kitchen costs an average £8,000 (2018), so as well as enjoying it you want to protect it as an investment and for a future sale of your home.

We offer leaseholders the opportunity to purchase cover for their kitchen or bathroom and other fixtures and fittings they have installed, as well as contents insurance under one policy.

Leaseholders and kitchens

For a quote please use the link below.

Leaseholders Improvements Insurance

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What do we mean by kitchen insurance? Afterall isn’t a fitted kitchen automatically covered under a buildings insurance, as a permanent fixtures and fittings. We are referring to a kitchen fitted by a leaseholder in a flat or maisonette, which as fitted and paid for by the leaseholder may not be insured under the freeholders block buildings insurance. If this is of interest to you we recommend checking with your freeholder over the scope of the block buildings insurance.

A new fitted kitchen usually costs from £3,000 upwards, so a major outlay for anyone. This is an asset that is worth protecting in the event of insured damage, such as a fire or escape of water damage. We offer a solution if you find that your kitchen is not covered under the block policy. A policy with a quality insurer that is much more than just kitchen insurance. Other permanent fixtures and fittings not insured by the block policy would also be insured, like fitted bathroom, internal doors, leaseholder’s own flooring and other small fixtures and fittings. We sell this insurance along with contents insurance, with a combined discount.

Leaseholders for more details and a quote please follow the link: leaseholders improvements insurance

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