Maximum home warranty entitlements

Home warranty insurance must be taken out on multiple-unit dwellings up to 3 storeys above a car park. They will not be covered for non-completion, but will be covered for defects.

Each unit qualifies for its own entitlement as explained above. If the claim relates to common property (e.g. car parks, foyers, slabs) the claim will be split between each unit's lot entitlement in accordance with their Community Management Statement. 

Specific limitations apply for a duplex.

Before the works are completed we pay claims:

• for non-completion, defects, vandalism and theft – for each unit:
  • if you have standard cover – $100,000
  • if you have optional additional cover – $150,000
  • both these amounts include the cost of alternative accommodation and storage.
• for fire or storm damage caused because the work was incomplete – for each unit:
  • if you have standard cover – $100,000
  • if you have optional additional cover – $150,000
  • as long as we have approved the non-completion claim.

After the works have been completed we will pay to rectify defects for each unit:

• if you have standard cover – $200,000
• if you have optional additional cover – $300,000
• both these amounts include the cost of alternative accommodation and storage.

Home owners who are owner occupiers may be entitled to accommodation costs if we approve a claim for non-completion or defects, and if your home is not habitable by you. This does not apply if you are renting the property to tenants.

We will pay for the cost of alternative accommodation and storage up to a maximum of:

• $5,000 if you have standard cover
• $10,000 if you have purchased optional additional cover.

This is included in the total maximum amounts noted above ($200,000 for standard cover, and $300,000 for optional additional cover).

In general, the accommodation entitlement will end when the work reaches practical completion (some limits apply). The start date for accommodation entitlement for each type of claim is outlined below.

Accommodation entitlement for a non-completion claim starts when (whichever is the later date of):

• the date the claim was lodged
• the date the contact ended
•  the date the house should have reached practical completion under your original contract.

Accommodation entitlement for defective work claims starts from the time your house is uninhabitable because of either the:

• defective work
• repair work that needs to be carried out to fix the defect.