New homeowner protections start on 1 July 2026 for domestic building contracts signed from that date on.  

The new Home Warranty insurance provides stronger protections than current domestic building insurance. You’ll be able to make a claim sooner for incomplete, defective, faulty or non-compliant work. This applies even if the builder is still trading.  

These protections cover homes up to 3 storeys and apply to contracts that are worth more than $20,000.  
  
If you're planning to build or renovate, try to wait until 1 July 2026 before signing any building contracts. 

Cover will be available at every stage of the build: before work starts, during construction and after completion. If work hasn't started, you can claim up to 5% of your deposit. You may also get support for accommodation, removal and storage costs if delays or faulty work cause you extra expenses. 

Find out more about Home Warranty insurance.