Insurance for Landlords: Fixtures & Fittings Coverage

As a landlord, protecting your investment means covering more than just the structural building. Fixtures and fittings insurance ensures you’re reimbursed for damage or loss to items you supplied in a rental—beyond what standard building cover provides.

1. What Are Fixtures and What Are Fittings?

• Fixtures are permanent components attached to the property—e.g. built-in kitchen units, bathroom suites, radiators, plumbing and heating systems.

• Fittings are movable items provided by the landlord—e.g. curtains, carpets, white goods, furniture, lamps, freestanding appliances.

• Landlords typically insure fixtures via buildings cover, and fittings via contents or a specialized fixtures & fittings policy. Tenants are responsible for insuring their own belongings.

2. Why This Coverage Matters

• Standard buildings cover protects the house structure and permanent fixtures, but often excludes freestanding appliances and removable items.

• Contents or specific fixtures & fittings insurance covers accidental damage, fire, water escape, theft, or tenant-caused damage for non‑structural items.

• Without proper cover, landlords may face costly repairs or replacements—especially in furnished rentals.

3. What Risks Are Covered?

Insured perils typically include:

• Fire, flooding, or escape of water that damages kitchen units, rugs, carpets, and appliances

• Theft or malicious damage—such as vandalism or deliberate tenant damage

• Subsidence or structural movement affecting fitted units

• Accidental damage from everyday use, e.g. broken light fittings or countertops

• Policies may offer new-for-old replacement where items are insured for full replacement cost

4. How to Ensure You’re Covered Properly

• List all landlord-owned items in inventory, with estimated replacement values

• Choose a policy that clearly includes both fixtures and landlord-provided fittings

• Check for cover limits and exclusions—some insurers may treat carpets as contents, not fixtures

• Review optional endorsements for water escape, malicious damage by tenants, or higher individual item limits

5. Claim Examples

Final Thoughts

Landlord insurance for fixtures and fittings bridges the gap between buildings and contents insurance. It is especially valuable in furnished rentals or leased properties where built-in or movable items are at risk. Proper coverage protects you from unexpected expenses and liability for tenant losses.

Need help choosing landlord fixtures and fittings insurance or tailoring your cover package?
With over 30 years of insurer expertise and a network of nearly 100 providers, THAgency can help you compare and secure the right policy to safeguard your assets—fast, professional, and personalized. Submit your request now.