Everyone's heard of fixtures and fittings, but do you know what they really mean? The commonly used duo might seem alike, but they're actually two different things.
Fixtures: Items that are firmly attached to your home and difficult to remove.
Fittings: Temporarily attached to the property or free standing items which can be removed.
There are some exceptions to the rule though. For example, carpets are almost always considered fixtures. We recommend contacting your insurer directly if you need clarification.
Generally, building insurance protects fixtures and contents insurance protects fittings. All of the home insurance policies in the table below protect both.
Each month, we get crunching on most every home insurance product in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster.
| Response | |
|---|---|
| Yes | 68.37% |
| No | 18.06% |
| I don't know | 13.57% |
Fixtures are items that are firmly attached to your home. There are some exceptions to the rule but generally, you would not take fixtures with you if you decided to move home.
There are two types of home insurance that can cover your fixtures.
This type of policy will cover the physical structure of your home. This includes things like solar panels and your bathroom sink, but it won't include your fittings or contents.
This type of policy is more comprehensive since it will cover both your fixtures and fittings. It covers the physical structure of your house and the belongings you keep in it.
Fittings are items that are freestanding or temporarily attached to your home. Generally, you would take fittings with you if you moved elsewhere. However, there is one major exception – fitted carpets. They are classed as fittings.
You can choose from two types of home insurance to cover your fittings.
This policy can cover your fittings and other things you have around your home. Just keep in mind that it won't cover things that are permanently attached to your home, or the physical house itself.
A home and contents insurance policy is probably the more comprehensive option since it can cover both fittings and fixtures. This way, you don't have to figure out which is which.
You can read our beginner's guide on home insurance to learn more about policies which cover both fixtures and fittings.
If you only want to insure the permanent fixtures, check out building insurance. If you're interested in insuring fittings, take a look at contents insurance.
Compare home insurance to cover your fittings and fixtures
Icons made by Vectors Market from www.flaticon.com
Picture: GettyImages
ALDI offers home, contents and landlords insurance. Its policies have thorough coverage with generous benefit limits.
Protect your home from the costs of malicious damage with home insurance. Compare policies in just minutes and get peace of mind.
If you're a tenant with a fragile home aquarium, here's how renters insurance can help protect it.
What to know about insurance before renting out your home, and what to look for in Airbnb insurance.
Review and compare policy features here and determine if QBE has a policy that is right for you.
What you need to know about finding the best home insurance for you. Compare policies and learn what questions to ask when researching insurance policies.
Protect your home against storm, flood and rainwater damage with the help of this comprehensive guide.
Home warranty insurance, also known as builders warranty insurance and home indemnity insurance, is designed to offer protection for homeowners against faulty building work.
Guide to understanding building insurance and what it covers.