The short answer
The QBCC says most residential building work valued over $3,300 needs Home Warranty insurance. In general, the maximum cover is $200,000 for each category of loss. Structural defects are covered for 6 years and 6 months, and non structural defects for around 6 months.
Queensland only. Summarised from QBCC pages. The QBCC's own pages differ slightly on some time limits, so read the current product disclosure before you rely on a date.
Confidence: likely. These facts come from official pages that we found by search and did not read in full. Check the linked source before you rely on a figure.
When it applies
Most residential building work valued over $3,300, including materials, labour and GST, needs the insurance. The builder arranges it, and you should ask for the certificate before you pay.
How long cover lasts
Structural defects are covered if you first become aware of them within 6 years and 6 months of the cover start day, and you must lodge a claim within 3 months of noticing. For non structural defects, cover generally lasts 6 months from completion, and a claim must be made within 7 months.
How much cover
The July 2025 product disclosure says the maximum cover is generally $200,000 for each category of loss, including a maximum of $5,000 for alternative accommodation, removal and storage. Different limits apply for duplexes and shared property.
Common questions
When do I need home warranty insurance in Queensland?
The QBCC says most residential building work valued over $3,300 needs it.
How much cover does it provide?
In general up to $200,000 for each category of loss, according to the July 2025 product disclosure.
Sources
- QBCC: what is the Queensland Home Warranty Scheme, checked 11 November 2026
- QBCC: time limits for cover and claims, checked 11 November 2026