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Whats the difference between buildings and contents?

By 4th December 2019August 19th, 2024No Comments
HMO Landlord Insurance

Whether you’re getting a quote for your property insurance or already have one, do you know what you are covered for when it comes to buildings and contents? Would you know the difference between the two should you need to make a claim?

We’ve discovered that there can be some confusion around the two, especially when it comes to making a claim. So, to help we’ve outlined some definitions and examples for you.

Definitions

The definition of buildings insurance is also referred to as ‘fixtures and fittings and what falls under contents cover can vary between insurers.

Examples

As a general rule, fixtures and fittings (buildings) are items that are attached to the building. This would usually include items such as fitted kitchens, bathrooms, fitted wardrobes and attached flooring.

Contents are generally items that can reasonably be taken away from the property.

Items such as carpets (even though attached can be removed), unattached wood or laminate flooring, free-standing appliances, such as cookers and unattached fixtures and fittings awaiting installation in the buildings would fall under contents.

Essentially, if you turned the property upside down and gravity took it off the floor, its contents.

difference between building and contents

It is a good idea for landlords to keep a detailed inventory, including photographs, of what is on the property.

This is to cover you for example if your property burnt down and you lost everything in it, how would you prove what was in it? Would you remember half the things you have? How many times do you find something and say “oh, I forgot we had that”? Imagine that on a large scale and that’s what you’re facing.

A good piece of advice would be to open a spreadsheet and write it all down!

As mentioned, each insurer can define what is classed as contents differently so always check the policy wording to see what you are covered for should you have future issues.

If you’re still confused, ask your broker or insurer you’re with to check what you are covered for.

For more information or a quote contact our team on 0121 679 281

fixtures and fittings insurance
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