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  • When does Domestic Building Insurance (DBI) cover start?

    Cover begins from either the date of the building contract or the date the building permit is issued - whichever comes first.

  • What does Domestic Building Insurance (DBI) cover?

    DBI policy

    1. Incomplete works

    Covers up to 20% of the building contract price. This includes costs like:

    • Temporary fencing
    • Locksmiths
    • Works insurance
    • Building permits

    2. Structural defects

    Covers defects for up to 6 years after the work is finished or the contract ends.

    3. Non-structural defects

    Covers defects for up to 2 years after the work is finished or the contract ends.

    4. Other losses Includes out-of-pocket expenses like:

    • Loss of deposit
    • Removal and storage costs

  • What are the policy limits for Domestic Building Insurance (DBI)?

    If your DBI policy was issued:

    • Before 1 July 2014 – you're covered for up to $200,000
    • On or after 1 July 2014 – you're covered for up to $300,000

    These limits apply to each home covered by a DBI Certificate of Insurance.
    They include all claims for defective or incomplete work and other eligible losses. 

    For a full list of what is and isn’t covered, check the detailed wording of your DBI policy.