Updated: 09 June 2023

What Does Fixtures Mean?

Fixtures, in the context of insurance, are movable or personal property attached to an immovable property that they become a part of the immovable or real property and are covered under a real estate insurance policy.

Insuranceopedia Explains Fixtures

Fixtures are said to form part of the immovable when they are attached or affixed permanently, such as when they are embedded, rooted, or permanently attached with cement, glue, nails, screws, bolts, or plaster. There are four types of fixtures, namely:

  • Agricultural fixtures, or those attached for the purpose of farming;
  • Domestic fixtures, or those attached to a home in order to make it more livable;
  • Ornamental fixtures, or those attached to a property in order to make it more attractive; and
  • Trade fixtures, or those necessary in the conduct of business in the real property.

To determine whether a personal property is a fixture or not, the following shall be considered:

  • Method of attachment;
  • Adaptability of use;
  • Intent of the buyer and the seller in a contract of sale;
  • Agreement of the parties; and
  • Relationship of the parties.

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