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Topic
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I would appreciate clarification in respect of items covered by the contents insurance.
Upon enquiries was told:
a) everything that doesn’t fall out if the unit was tipped upside down is contents.
b) if the apartment is not in its original condition, ie original kitchen, the new work has to be covered by me
I carried out renovations and installed a new kitchen and appliances, timber flooring, carpet, drapes, should I add these to the contents policy?
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Replies
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a. Am I wrong to think there is a difference between fixtures/fitting which cannot be taken with you when one moves out; and movable contents are your furniture and personal use items purchased individually, and contained in cupboards and wardrobes that one takes to another residence? Therefore, are they all covered by Insurance? Also broken windows/balcony doors glass, are they covered by Building, or Personal insurance?
Am I wrong to think there is a difference between fixtures/fitting which cannot be taken with you when one moves out; and movable contents are your furniture and personal use items.
I think you are right about fixtures, which include built-in cupboards and shower screens as they would be covered by most building insurance (with slight variations).
The same applies to broken windows and glass doors as they are common property in most modern buildings.
However, this does not cover wear and tear. It’s basically accident cover. Also, if the lot owner or their tenants were negligent and caused the damage, they would be liable to pay for the repairs.
Everything else should be covered by home & contents insurance and, where applicable, landlord insurance. Check your existing insurance policies or ask for the terms of any new policies you are thinking of undertaking.
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