Under the building and personal property coverage form, which statement about fixtures is true?

• A. Fixtures remain personal property even when attached
• B. Fixtures that are attached become part of real property
• C. Fixtures are not covered property
• D. Fixtures are only electrical components

Answer: (B)

Under this form, items that are permanently attached to a building are treated as part of the real property rather than as personal property. Fixtures such as built‑in cabinets, plumbing, lighting, and other components that are attached to the structure become part of the real property and are insured under the building coverage. So the statement that attached fixtures become part of real property is the correct idea. Fixtures aren’t limited to electrical components, and attaching them doesn’t automatically make them non-covered; the key is that attachment creates real property, not personal property, while removable fixtures may be treated differently under the policy.