To help me calculate the cost of contents insurance can people give me their opinions on whether the following items are covered under either the Building or Contents policy.
Fire & Fireplace Radiator Radiator Cover Carpet Tiled Floor Fixed Wardrobe Light Fittings Kitchen Cabinets Exterior Doors Interior Doors Curtains Blinds Cooker Bathroom Suite Shower
Contents if moveable, buildings if fixed to the wall
Bukldings
Contents if moveable, buildings if fixed to the wall, or possibly covered by another maintenance contract
Contents
Contents
Contents
Buildings
Contents
Buildings
Buildings
Buildings
Contents
Contents
Buildings if fitted, otherwise not sure
Buildings
Buildings
Just my opinion. Best to confirm it with the insurance co. If you get buildings and contents from two different people, they will argue it is the other one that covers it.
Thanks for your input Jonathan.
If I used the common sense approach I would agree with you on everything other than the Tiled Floor which I would put as Buildings.
Me too. They're just as "permanently" attached as some of the other fittings he classified as Buildings.
"Ronald Raygun" wrote
In that case - why would a carpet, say which is glued to the floor, be "Contents" but a tiled floor be "Buildings"?? A glued carpet is just as permanently attached as glued floor tiles...
Fair enough. Fitted carpets would be buildings, movable rugs would be contents, on the same basis as, like the man said, fires and radiators would be contents if movable, buildings if fixed to the wall.
He also classed bathroom suites and showers as buildings, and they would include tiled walls, wouldn't they, and why should tiled floors differ from tiled floors?
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