A new build warranty (sometimes called a structural warranty or new home warranty) protects buyers of newly built homes against defects for a set period after completion.
The standard structure
Most new build warranties, such as those from NHBC, Premier Guarantee or LABC, follow a similar pattern: the builder is responsible for fixing defects in the first 2 years (the "defects insurance period"), and the warranty provider covers major structural defects for years 3 to 10 (the "structural insurance period").
What is typically covered
- Major structural issues — foundations, walls, roof structure
- Water penetration through the structure
- Defects in design, workmanship or materials during the first 2 years
What it usually does not cover
Wear and tear, damage caused by the homeowner, and cosmetic issues not reported within the initial defects period. Always report snags to the builder in writing and keep a copy for your records.
This is general information — check your specific warranty provider's documentation for the exact terms that apply to your home.
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