Home warranty insurance
Home warranty insurance explained
Most residential building work done in Queensland valued over $3,300 (including labour and materials) must have home warranty insurance.
As part of the building process, the builder pays a premium to us to insure the construction. The amount is included as part of your contract, and is paid before work begins.
It may protect you where:
- a licensed builder does not complete the contracted residential construction work and you have terminated the contract
- the contractor fails to rectify defective work
- the building suffers from subsidence or settlement.
If we pay out on a claim, we pursue the builder to recover the claim amount.
Make sure you have a contract
It’s important to have a signed contract with your builder. Apart from being a legal requirement, it ensures that you have access to the full range of benefits under the Home Warranty Scheme.
Types of work we insure
- construction of a new home, related roofed building, townhouse or multiple unit dwelling (no more than 3 storeys)
- the extension, addition, alteration, renovation or repair of a house, related roofed building (e.g. a garage), townhouse or multiple unit dwelling (no more than 3 storeys)
- replacement or refit of fixtures or fittings in a kitchen or bathroom
- work on a deck or verandah, attached to a residence
- building work that affects the structural integrity of the building.
The examples below do not require insurance if done on their own:
- electrical work and air conditioning installation
- swimming pools
- driveways, paths or roads
See our Insurable Residential Construction Work (PDF) fact book for a detailed list of insurable and non-insurable work.
How long does a home warranty insurance policy last?
The work is covered for a period of 6 years 6 months from the date (whichever is earlier):
- the premium is paid
- a contract is entered, or
- work is commenced
The period of cover is extended where the work takes longer than 6 months to complete.
Checking for insurance cover
If you have signed a contract for residential construction work, we send you a Certificate of Insurance before the work begins.
To check, contact us with the property details (e.g. address, lot and plan number).
Note: If you are a subsequent owner of the property, or didn’t contract with the builder for the work, complete the Insurance Search Request form (PDF).