Owner builder insurance for Australians managing a new home, renovation, extension or building project—helping you consider the risks to the works, site, property and people involved.
Cover options shaped around your works, site and construction value
Discuss project duration, existing structures and valuable materials
Practical assistance if damage, theft or an incident affects the project
Local advice for owner builders, renovators and property owners
Owner builder insurance is not one standard policy. The right solution depends on the type of work, construction value, project duration, site conditions, existing structures, contractors and how the project will be managed.
ABS Insurance Brokers can help you consider contract works or construction cover for physical loss or damage, public liability for third-party injury or property damage, existing structures, materials, temporary works, hired equipment and other project-specific exposures. Policy terms, limits, excesses, conditions and exclusions apply.
Options for loss or damage to works in progress from insured events
Consider cover for materials, tools, plant and equipment on or around the site
Protection options for third-party injury or property damage arising from the project
Consider the pre-existing home or structures affected by renovation or alteration work
Options may respond to theft, fire, storm, vandalism or other insured events
Discuss scaffolding, temporary structures, hired plant and project-specific equipment
Practical understanding of building work, trades and project risks
Consider owner builder cover alongside home, liability, motor and workers compensation needs
We can approach insurers suited to the project and risk profile
Clear explanations from quote through claims and renewal
Update cover when the scope, value, timeframe or contractors change
Request a tailored owner builder insurance review from ABS Insurance Brokers.
Owner builder insurance is a tailored insurance solution for a property owner managing or coordinating building work. It may combine cover for the works, materials, existing structures, liability and other project risks, depending on the insurer and the circumstances.
Depending on the policy, cover may be available for contract works, materials, existing structures, theft, fire, storm, vandalism, accidental damage, public liability, hired equipment and temporary works. Cover is subject to the policy wording, limits, excesses, conditions and exclusions.
Public liability is an important consideration because an owner builder may be exposed if a visitor, neighbour, family member, contractor or member of the public is injured or property is damaged in connection with the work. The required limit and terms depend on the project and insurer.
No. Owner builder project insurance, contract works cover, public liability and home building compensation or warranty schemes are different forms of protection. HBCF availability and obligations vary by state, project and contracting arrangements. In NSW, government guidance says HBC cover is not available for work done by an owner builder, while licensed contractors contracting directly with an owner builder may need to provide it when applicable.
Arrange a review before work starts or before materials are delivered to site. Insurers will generally need details such as the location, construction value, scope, duration, existing structures, contractors, security and planned use of the property.
