Home warranty insurance
Optional additional cover
Top up your cover
What is optional additional cover?
Our Queensland Home Warranty Scheme helps protect home owners from additional costs resulting from a licensed contractor not fixing their defective building work or not completing their contracted work. The standard cover offered is a maximum of $200,000, which includes a maximum of $5,000 for alternate accommodation, removal and storage costs.
Home owners who sign contracts on or after 28 October 2016 will now have the option to purchase additional cover and increase their maximum entitlement to $300,000, which includes a maximum of $10,000 for alternate accommodation, removal and storage costs. Home owners who signed contracts prior to 28 October 2016 are also eligible for optional additional cover. The owner must pay the premium either within 30 business days of entering the contract, or before the work has started, whichever is earlier.
How to purchase optional additional cover?
After the contract is signed, and before the work starts, the licensed contractor must pay us the mandatory premium for the work, which entitles the owner to standard cover. Documents sent to the home owner by email as a result of this payment include a customised link to myQBCC, our digital service centre, where the optional additional cover premium can be paid.
The home owner may purchase the optional cover within 30 business days from entering the contract, or before the work has started (whichever is earlier).
How much does it cost?
A premium table is available for home owners wishing to purchase this cover:
Insurance premium table - optional additional cover from 1 August 2019 - Insurance Premium Table - optional additional cover from 1 August 2019 (PDF)