The last and least important for a flat is the furnishing. Unless you are planning to buy and move in to stay, avoid heavy furnished house (I mean you don't like the design). Most owner requested more COV for the furnishing they think is A1 decor. In fact, if you are going to renovate entire house, stop paying for the so-called additional COV. You will have to top-up hacking cost later during your renovation. Each furniture piece counts.
From our observation, fixtures (undetachable furniture) are being valued into valuation report. Therefore, you most likely see higher valuation price for flat with fixture compared to flat without fixture (apple to apple comparison). Furnishing definitely counted into valuation price if you look at the valuation report, eg: floor tiles etc.