Most building work done in Queensland valued over $3,300 (including labour and materials) must have home warranty insurance.
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:
If you've bought a house with defects or subsidence that you knew about before the purchase, you can't access our Queensland Home Warranty Scheme.
We recommend that you organise a pre-purchase building inspection before you buy a home to find out whether it has any defects. We also advise that you make it a condition of your contract that you are satisfied with the outcome of this inspection.
For more information about how we can assist with complaints about defective building work, see Defective work complaints.
If you’re about to buy a new home, you can check to see if it has cover under the Queensland Home Warranty Insurance Scheme. It lasts for 6 years and 6 months from when the premium is paid, though it can be extended if the construction was over 6 months. It may help you with any defects that develop after you move in.
While your solicitor will generally organise all the relevant searches on the property when you're buying a home, you can also place a search request with us yourself.
If you’re the owner of a home or about to buy a new home, you can check to see if it has cover under the Queensland Home Warranty Insurance Scheme. It lasts for 6 years and 6 months from when the premium is paid, though it can be extended if the construction was over 6 months. It may help you with any defects that develop after you move in.
While your solicitor will generally organise all the relevant searches on the property when you're buying a home, you can also directly access the service.
When you build, you must get public liability insurance. It protects you from serious financial loss if anyone is injured or killed, or has their property damaged, whilst on site.
This also applies if someone is injured when trespassing on your land before building work has started, or during construction.
You and your builder should discuss public liability insurance responsibilities before signing any contract for major building work on vacant land. Your insurer may note conditions on the policy and require a higher premium for the construction period.
Cost-plus contracts are not covered for non-completion. A cost-plus contract involves a “pay as you go” arrangement, with no certainty as to the final cost of the work.
For example, if you have a contract to renovate a home which specifies that the owner will pay the contractor’s costs plus a margin of 15%, there is no certainty as to what the final cost will be – it depends on how much it costs to do the work.
A house may be one of your biggest assets and one which you will want to protect. It is for this reason that, if you are renovating or building a new house, it is mandatory for your contractor to take out home warranty insurance on your behalf.
In this section, we tell you what is and isn't covered and you can view easy-to-use premium tables so that you can calulate how much the premium will cost.
A swimming pool can be a great addition to your home; however the construction and maintenance process can be complex. This guide includes a few tips to help you along the way.
Recommendations from family and friends who own pools are a good starting point. Discuss their experiences involving size, location, finishes, landscaping, building time, upkeep and any issues they faced during or after construction.
Building work hasn’t started
If work hasn’t started, we may reimburse the deposit paid under the contract. If work has started, we may cover additional completion costs including the repair of any defective work.
Building work is in progress (under contract)
If you've terminated the contract because your builder has defaulted before all work is completed, you may be able to get help to complete your project under the Queensland Home Warranty Scheme.
Common grounds for contract termination due to the builder’s default include: