Depending on how an air conditioner is installed, it is either part of the building or an owner’s fixture and should therefore be insured accordingly. If the air conditioning unit is placed through a window opening and plugged into a power point, it is considered as a ‘fitting’ and must therefore be included in the individual proprietor’s contents policy. If the power source is from the power board and the air ducts, then it is considered to be a fixture and part of the building. In essence, if the installation cannot be removed without causing damage to the building, it would be considered to form part of the building for insurance purpos