Home builders Insurance

Owner Builder Insurance

Construction and Public Liability Insurance should be in place for the duration of your Owner Builder project – it’s one of the core items to budget for in planning your project.


Click below to get an online quote for Owner Builder Insurance.


Why do I need Owner Builder Insurance?

Owner Builders routinely go without insurance. Why?

  • They are completely unaware that they will face the exact same risks as a licensed builder
  • They incorrectly assume that the contractors they engage will have enough insurance coverage
  • Some Owner Builders are of the mistaken belief that their existing Home and Contents insurance also extends to cover all and any risks associated with an Owner Builder project*

*Most Home and Contents policies have exclusions against liability arising from construction work, and many policies also become either seriously compromised or completely invalidated during a construction project. Owner-Builder insurance provides options that address all of these deficiencies.

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What insurance do I need?

As an Owner Builder, you will generally be the person who is held responsible for any damage caused to anyone else’s property, but even more importantly, for any injury caused to a third party. Serious / permanent injuries or death can occur on even small projects.

The following insurance types should be considered, and will automatically be included in your quote, where applicable:

  • Contract Works and Public Liability Insurance
  • Voluntary Workers Insurance
  • Existing Structures Coverage
  • Tools and Equipment

Owner Builder Centre is a referrer of insurance products, and does not provide advice in relation to the insurance that you may need. 

If you apply for an insurance quote, you are accepting the relevant privacy policy, terms and financial services guide.  Any advice provided is general advice only.  Please consider your needs, financial situation and the Combined FSG/PDS that is available before deciding to buy insurance.