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Domestic building insurance is now provided by the BPC

From 1 July 2025, the Building and Plumbing Commission (BPC) is responsible for providing domestic building insurance (DBI) in Victoria. If you’re building or renovating a home valued over $16,000, your builder must take out DBI before they take a deposit or begin work. This insurance protects you if your builder can’t finish the job or fix defects because they:

  • have died
  • become insolvent
  • disappeared
  • failed to comply with a rectification order (a new BPC power coming soon)

The BPC now manages DBI as part of its one-stop approach to building regulation, insurance and dispute resolution — making it easier for consumers to access help and understand their rights.

What's included in your DBI policy?

Your DBI policy includes two important documents:

  • Policy wording – outlines the terms, conditions and exclusions
  • Certificate of Insurance (policy schedule) – includes specific details for your building project

To understand your coverage, you’ll need to read both documents together.

Find the right policy wording

DBI policies have changed over time. To find the one that applies to your project:

1.Check the issue date on your DBI Certificate of Insurance.

2.Download the matching policy wording below.

Domestic building policies:

Owner-builder domestic building policies: