Builders 10 Year Residential Guarantee Insurance

Build with complete peace of mind


When you build with an approved member of New Zealand Certified Builders, you're protected by New Zealand's most comprehensive 10-year building guarantee.

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How does it work?


The application for your 10-year residential guarantee insurance will be made by your
NZCB member at the time you complete the building contract.  You will receive confirmation of your application acceptance and policy document shortly after the building contract is signed -generally well before the building work starts.

Are there different types of guarantee?


No. The application process is made easy because the one guarantee policy has been specifically designed to cover any type of work being undertaken, be it under a New Home Full Building contract, an Additions or Alterations Contract for your home, or if you are entering a Labour Only contract with your NZCB member.

Policy benefits


OUR 10-YEAR RESIDENTIAL GUARANTEE INSURANCE provides maximum peace of mind for homeowners, covering:

  • Loss of deposits if the builder doesn't start the building work.
  • Losses if the builder starts but doesn't complete the building work.
  • 10-year cover for the full contract price, for structural defects including weather tightness issues, once the building works have been completed.
  • 10-year cover for the full contract price, for non-structural defects once the building works have been completed.

If for whatever reason your builder fails to complete the building or rectify the defect we will step in and fix the problem.


The cover extends not only to fixing any defect but also any damage to existing structures caused by the defect.

Additional policy benefits


10 YEAR RESIDENTIAL GUARANTEE INSURANCE also provides cover to property owners for;


  • Sub contractors and suppliers
    Where the NZCB member is the head contractor, defects arising from materials and work supplied by subcontractors and suppliers are insured.
  • Other damage
    The cost to repair damage to the house caused by the defect, up to the full policy sum insured.
  • Alternative accommodation expenses
    Up to 6 months’ reasonable alternative accommodation expenses while the house is being repaired.
  • Professional fees
    Surveyors, engineers, legal and other fees necessarily incurred to rectify the defect.
  • Guarantee transfer
    The insurance can be transferred to a new owner when you sell your house, avoiding the requirement to get the building inspection report.
  • Single application
    Simply sign the application your NZCB member has completed. No other documentation is needed.


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Make a Payment

There are a number of ways you can make payment to BrokerWeb Risk Services Ltd.Make a Payment

Making a Claim

Find out the recommended procedure to take when making a claim and download claim forms.Making a Claim





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