Insurance & Warranties

Insurance and warranties are easy to overlook when you're focused on designs, selections, and construction, but they're your financial safety net throughout the building journey and long after you've moved in. Getting the right coverage in place at the right time is one of the less glamorous parts of building a home, but one of the most important.

During construction, your builder should hold appropriate insurance covering the works. Once the home is complete, structural warranties provide protection against major defects for a defined period. Coverage types, durations, and claim processes vary, and the gaps between policies are where problems tend to fall through.

Many homeowners only think about insurance after something goes wrong, but early awareness of what's covered, what's excluded, and how to make a claim puts you in a much stronger position if you ever need to use it.

This section of BuildWiki helps you understand the insurance and warranty landscape across the building journey, so you know what protection you have and what to check before you need it.