Structural warranties for new build homes
Latent defects insurance for housebuilders, SME developers and self-builders - from a single plot or infill site to a full estate, arranged before the first spade goes in.
- Instant response
- Insurer quotes usually within one working day of your proposal
- UK FCA Regulated Broker
- No broker fee to pay
- Single plots to full estates
Fast answers
No more waiting weeks for a warranty quote
A slow broker holds up your site, your sales and your funding. We work to clear timescales.
1
Instant response
Send us your details and you get an instant reply by email with your reference and what we need next.
2
A call the same working day
We usually contact you the same working day to talk through your project and the providers likely to cover it.
3
Insurer quotes usually within one working day
Once we have your completed proposal and drawings, insurer quotes usually come back within one working day. Retrospective cover and unusual sites can take longer.
Find your cover
New build warranty cover from single plots to full estates
Most mortgage lenders expect a new home to come with a structural warranty from a provider they accept. Pick the page that fits what you are building, or the question you need answered.
New build houses
Detached homes, semis, terraces and bungalows, each with its own certificate at completion.
New build house warranty
Self-build homes
Cover for the home you are building yourself, lined up with your self-build mortgage.
Self-build warranty
Small sites and infill
Single plots, garden land and schemes of a handful of homes for SME developers.
Small site warranty
Estates and phased sites
Larger developments registered phase by phase and certificated plot by plot.
Housing estate warranty
Mortgage lender rules
Why lenders want a warranty on a new home, and what your buyers' conveyancers will ask for.
Lender requirements
Consumer codes
What the new homes consumer codes mean for developers selling homes, and for their buyers.
Consumer codes explainedWhy a specialist
Not paperwork at the end - cover you arrange at the start
A structural warranty protects the people who buy your homes, and the owners after them, for 10 or 12 years from completion, depending on the policy - usually a builder's defects period first, then structural insurance for the rest. Because most mortgage lenders will not lend on a new house without one, or in some cases a professional consultant's certificate, it is best treated as part of the plan for the site rather than a job for the week before the first sale.
- Register before you start. The provider's surveyor needs to see the foundations before they are covered up. Registering early is simpler, cheaper and leaves more providers to choose from.
- A provider your buyers' lenders accept. A warranty is only useful if the lenders your buyers use will take it. We check that for the lenders likely to be involved before you commit, though each lender makes the final decision.
- The right fit for the build. Masonry, timber frame and modern methods of construction suit different providers, and so do single plots and large estates.
- Clear costs. There is no broker fee to pay. We are paid by commission from the warranty provider, which is included in the premium.
New build warranty cover at a glance
How it works
From first enquiry to a certificate for every home
Tell us about the site
Where it is, how many homes, how they are being built and where you are up to.
We find the providers
We match the homes to providers that suit the site and your buyers' lenders.
Your quote
A written quotation naming the provider, with every cost shown separately.
Inspections
The provider's surveyor checks the work at key stages of the build.
Final certificates
Each home gets its certificate once it is finished and signed off.
Already on site?
Started building without a warranty?
Cover may still be possible once work is under way, but the provider did not see the early stages, so it will want evidence of the work already done and the price is usually higher - as a rough guide around 1.25% of the rebuild cost instead of around 1% (with no broker fee on top - we are paid by commission from the provider).
For homes that are well advanced or already finished, our sister brand Retrospective Warranties specialises in late cover.
Questions
Common questions about new build warranties
Do I need a structural warranty on a new build house?
In most cases no law says you must have one. In practice most mortgage lenders follow the UK Finance Mortgage Lenders' Handbook, which expects a new home to have a warranty from a provider the lender accepts, or in some cases a professional consultant's certificate. Without one your buyers may struggle to borrow. See mortgage lender rules.
When should I arrange the warranty?
Before work starts on site. The provider needs to register the site and inspect the foundations as they go in. Later cover is harder to arrange, needs more evidence and usually costs more.
Does every home get its own certificate?
Yes. Each plot is registered and, once it is finished, has passed the provider's final inspection and meets any conditions of the registration, it gets its own final certificate for the buyer, their lender and their conveyancer.
Are you an insurance company?
No. We are an insurance broker working on a non-advised basis. We find and arrange cover for you, and the warranty is provided by the warranty provider or insurer named in your quotation.
WARRANTYWIZARD
Got a quick question first?
Ask our Exclusive AI Powered WARRANTYWIZARD - how structural warranties work, what lenders usually expect or what documents to get ready.
WARRANTYWIZARD is AI powered and answers straight away, day or night. Like any AI it can occasionally make mistakes, and it gives general information about structural warranties, not advice or a price - so check anything important with our team, and for a quote use the project form or call us.
Warranty with WhatsApp
Do the whole thing on WhatsApp
You can handle the whole process on WhatsApp - questions, photos and drawings, your proposal, your quotes and arranging your cover.
A person on our team replies in UK working hours. Message us any time and we will pick it up as soon as we are back.
Tell us about your new homes
Give us the basics of your site and we will come back with the providers likely to cover it, what they will need from you and an idea of cost.
- Takes under a minute
- Instant reply by email with your reference
- Insurer quotes usually within one working day of your completed proposal
- Sites anywhere in England, Scotland, Wales and Northern Ireland
- Free and no obligation
Already filled in a proposal form? Email it to us or send it on WhatsApp with any drawings you have and we will take it from there.