We have a matter of opinion internally on discussion of "blinds" or "curtains" as being a part of the Structure vs. contents in a homeowners loss.

 Blinds: General consensus is that these are more "custom" cut and bolted in and most likely a part of the structure and more apt to be left with the dwelling if one were to depart. Curtains, while the bracket is usually bolted to the structure as well, or usually draped over a curtain rod and viewed as contents.  It is true both items are generally bolted by brackets, one appears to be more of a permanent part of the structure vs. the other.

 We would like you opinion as to what you would classify under coverage in a standard homeowners policy, contents or part of the structure. Thanks in advance. 

Ohio Subscriber

You are correct that blinds tend to be more custom made for the home and curtains less so, although curtains can be custom made as well. The issue is similar to that of wall-to-wall carpet versus a rug that an insured simply puts down on the floor with a rug pad. The one is easily rolled up and taken when the insured moves, the other not so much. Curtains can be bought at Target and while they come in a certain size can often be used on windows that aren't exactly the same size; blinds do not have that flexibility. Therefore, we fall on the side that blinds and custom drapes are part of the dwelling, and other curtains are personal property. You may find the following article helpful: Status of Wall-to-Wall Carpet, Drapes and Lighting Fixtures. 

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