All permanent fixtures and fixtures, such as kitchens and bathrooms, are covered by construction insurance. Unlike content insurance where you insure Fixtures and fixtures, such as bathrooms and kitchen cabinets, are covered in the Buildings section. The carpets would be covered under the cover Contents, since they are not part of the structure as such. Structural elements, on the other hand, are things that are attached to the apartment or unit.
Hardwood or tile floors, countertops, and other cabinets are considered part of the building. This also includes additional structures on the property, such as fences or outbuildings (such as a shed or garage). Make sure your agent is aware of any additional structures on your property. Similarly, a claim for storm damage to your roof is clearly included in your building insurance, which covers the structure of your home plus permanent fixtures and fixtures, such as equipped bathrooms and kitchens, that cannot be easily removed.
Basic content insurance will cover your kitchen appliances against damage caused by unforeseen circumstances. You can assume that kitchen appliances would be covered under your building policy because the kitchen itself is included in this. The Ombudsman agreed that kitchen units, although equipped, could be considered as personal possessions. However, kitchen countertops are considered “fixtures” and are therefore covered by building insurance.
In one case, for example, a council tenant, who had only contents insurance, bought some new kitchen units and installed them on her own. Insurance policies often consider fixtures and fixtures (for example, an equipped kitchen or bathroom) as buildings, while carpets are usually covered by contents insurance. It also covers bathroom accessories such as the bathtub, showers and sinks, toilets, as well as wall tiles and kitchen furniture. Food spoilage coverage is generally included in the content section of your homeowners and content insurance policy because that is the part of your coverage that protects items and belongings stored in your home.
Thus, for example, you would normally consider built-in wardrobes, kitchens and built-in appliances to be covered by a building policy, while the content policy would cover furniture and appliances that are self-contained or, if bolted to a wall, can be easily removed. Unlike content insurance, which secures items that you could take with you if you moved home, building insurance covers the building structure and any permanent fixtures, such as equipped kitchens.
