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:

  • painting
  • electrical work and air conditioning installation
  • swimming pools
  • driveways, paths or roads
  • fences.

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).