We provide owner builder insurance for home owners undertaking substantial construction or renovation works where you're acting as the principal contractor rather than engaging a licensed builder. Our team understands that obtaining an owner builder permit creates insurance obligations and liability exposures that your standard home insurance doesn't cover during the construction phase. We structure policies that respond to damage to works under construction, materials delivered to site, temporary structures, and existing portions of your home being extended or renovated. Coverage includes fire, storm, malicious damage, theft of materials, and accidental damage during construction activities, with extensions for debris removal and professional fees required to redesign or certify damaged works.

As an independent broker, we access insurers experienced in owner builder scenarios who understand the unique risk profile of self-managed construction including reliance on subcontractors, staged completion over extended periods, and the increased hazards when non-professionals are conducting building works. We ensure policies satisfy the insurance requirements for owner builder permits in your state, typically requiring minimum coverage of $100,000 for contract works and appropriate public liability limits. We arrange coverage that extends beyond minimum regulatory requirements to properly protect your investment, ensuring replacement cost coverage for the full value of works and realistic project completion timeframes that avoid coverage gaps if construction extends beyond initial estimates.

Our services include arranging public liability coverage for injury to subcontractors, visitors, or neighbours, and property damage to adjoining properties that can occur during excavation, demolition, or construction activities. We ensure policies provide coverage for subcontractors you engage, with appropriate documentation of their involvement and their own insurance requirements. For renovations to occupied homes, we coordinate owner builder insurance with your existing home and contents policy to ensure clear boundaries between coverage for completed portions of the home and works still under construction. We arrange extensions for compliance upgrades required by building codes, recognising that older homes being renovated often require substantial additional works to meet current standards.

From substantial home renovations and extensions through to complete new home construction, we deliver owner builder insurance solutions that protect your project investment and manage your liability exposures. Our focus is on providing comprehensive coverage that responds throughout the construction phase, clear policy documentation that explains your obligations regarding site security and subcontractor management, and claims support if damage or incidents occur during your self-managed building project.