Fitted ceramic hob

Jumblebumble

PrivateClients wrote: »

Normally you would need to arrange a policy that covers both your contents and your "Tenants Improvements" - TI is normally the cover for leaseholders own fixtures and fittings. I have clients who spend several million refurbishing their apartments and that is how we would cover it. I don't know how readily available this is in the standard market but some better contents policies also allow a small sub-limit (e.g. £5k in a £50k contents policy) to cover tenants fixtures and fittings.

As a Bosch hob costs just north of £200 I think you are on a loser as I cannot believe that the excess on the buildings policy would be lower than that even if it did cover the hob.
Look at this another way
How nice it would be for you should you decide to drop a pan on the hob to get a new one if the Landlord's policy allowed you to have another one without penalty
Just is not going to happen.

Chickenlips

Check your lease - what does it say the freeholder's responsibilities are in terms of insurance? If it is for you to insure, do you have cover for improvements under your contents cover? (Sometimes called tenant's improvements)