diff --git a/src/main/kotlin/com/cjbooms/fabrikt/generators/PropertyUtils.kt b/src/main/kotlin/com/cjbooms/fabrikt/generators/PropertyUtils.kt
index 79ccd197..68360777 100644
--- a/src/main/kotlin/com/cjbooms/fabrikt/generators/PropertyUtils.kt
+++ b/src/main/kotlin/com/cjbooms/fabrikt/generators/PropertyUtils.kt
@@ -205,9 +205,10 @@ object PropertyUtils {
     }
 
     fun PropertyInfo.isNullable() = when (this) {
-        is PropertyInfo.Field, is PropertyInfo.ListField, is PropertyInfo.MapField,
+        is PropertyInfo.Field -> !isRequired && schema.default == null || schema.isNullable
+        is PropertyInfo.ListField, is PropertyInfo.MapField,
         is PropertyInfo.ObjectRefField, is PropertyInfo.ObjectInlinedField ->
-            !isRequired && schema.default == null || schema.isNullable
+            !isRequired || schema.isNullable
         else -> !isRequired
     }
 
diff --git a/src/test/resources/examples/defaultValues/api.yaml b/src/test/resources/examples/defaultValues/api.yaml
index bf0c8361..69ef49ea 100644
--- a/src/test/resources/examples/defaultValues/api.yaml
+++ b/src/test/resources/examples/defaultValues/api.yaml
@@ -46,3 +46,19 @@ components:
           type: string
           format: byte
           default: U3dhZ2dlciByb2Nrcw==
+        ignored_array_default:
+          type: array
+          default: []
+          items:
+            type: string
+        ignored_object_default:
+          type: object
+          properties:
+            name:
+              type: string
+            age:
+              type: integer
+          default:
+            name: "John Doe"
+            age: 30
+
diff --git a/src/test/resources/examples/defaultValues/models/PersonWithDefaults.kt b/src/test/resources/examples/defaultValues/models/PersonWithDefaults.kt
index e9150a90..31343297 100644
--- a/src/test/resources/examples/defaultValues/models/PersonWithDefaults.kt
+++ b/src/test/resources/examples/defaultValues/models/PersonWithDefaults.kt
@@ -4,11 +4,13 @@ import com.fasterxml.jackson.`annotation`.JsonProperty
 import java.math.BigDecimal
 import java.net.URI
 import java.util.Base64
+import javax.validation.Valid
 import javax.validation.constraints.NotNull
 import kotlin.Boolean
 import kotlin.ByteArray
 import kotlin.Int
 import kotlin.String
+import kotlin.collections.List
 
 public data class PersonWithDefaults(
   @param:JsonProperty("required_so_default_ignored")
@@ -48,4 +50,11 @@ public data class PersonWithDefaults(
   @get:JsonProperty("byte_type")
   @get:NotNull
   public val byteType: ByteArray = Base64.getDecoder().decode("U3dhZ2dlciByb2Nrcw=="),
+  @param:JsonProperty("ignored_array_default")
+  @get:JsonProperty("ignored_array_default")
+  public val ignoredArrayDefault: List<String>? = null,
+  @param:JsonProperty("ignored_object_default")
+  @get:JsonProperty("ignored_object_default")
+  @get:Valid
+  public val ignoredObjectDefault: PersonWithDefaultsIgnoredObjectDefault? = null,
 )
diff --git a/src/test/resources/examples/defaultValues/models/PersonWithDefaultsIgnoredObjectDefault.kt b/src/test/resources/examples/defaultValues/models/PersonWithDefaultsIgnoredObjectDefault.kt
new file mode 100644
index 00000000..3b23ebfe
--- /dev/null
+++ b/src/test/resources/examples/defaultValues/models/PersonWithDefaultsIgnoredObjectDefault.kt
@@ -0,0 +1,14 @@
+package examples.defaultValues.models
+
+import com.fasterxml.jackson.`annotation`.JsonProperty
+import kotlin.Int
+import kotlin.String
+
+public data class PersonWithDefaultsIgnoredObjectDefault(
+  @param:JsonProperty("name")
+  @get:JsonProperty("name")
+  public val name: String? = null,
+  @param:JsonProperty("age")
+  @get:JsonProperty("age")
+  public val age: Int? = null,
+)