Home Warranty Insurance

What is new home warranty insurance?

Home warranty is an insurance protection product that protects your new home from the material, labour and structural defects that might arise after the warranty’s commencement. The warranty insurance stays with the home, whether you are the original owner or subsequent buyer and typically lasts for ten years. 

Is new home warranty insurance mandatory?

In British Columbia, the Homeowner Protection Act stipulates that all new homes must include warranty insurance coverage of two years on labour and materials*, five years on the building envelope and ten years on structure. As you look at homes and get to know the home builders in your community, consider purchasing your home from a professional home builder with a solid reputation, excellent aftersales service and a third-party warranty provider. 


Warranty Insurance Coverage Details

2 Years: Materials & Labour

12 Months Materials and Labour: Coverage for defects in materials and labour on detached homes and on non-common property in strata units.

15 Months Materials and Labour: Coverage for defects in materials and labour on common property of a strata corporation. 

24 Months*: Coverage for defects in materials and labour related to the delivery and distribution systems (electrical, plumbing, heating, ventilation, etc.); defects related to exterior cladding, caulking, windows or doors that may lead to detachment or material damage; defects that render the home unfit to live in; and coverage for violations of the Building Code that are a health and safety risk, or likely to result in damage. 
*some restrictions may apply 

5 Years: Building Envelope

Building Envelope: Coverage for defects in the building envelope, which may include unintended water penetration. 

10 Years: Structural 

Structural: Coverage for structural defects resulting in the failure of the load-bearing part of the home, such as frame and foundation.
For additional details regarding warranty insurance coverage and/or coverage limits, please refer to the home’s Home Warranty Insurance Policy. Underwritten by The New Home Warranty Insurance (Canada) Corporation. 

Expert service you can count on

Rest assured that we only work with Canada’s best builders, but if the unexpected happens and you should require warranty support, you can count on our assistance to get your home back on track. 

Contact us to speak with a live agent for personal, responsive service to understand your warranty insurance coverage or assist with initiating a claim.

1.800.352.8240 | contactcentre@nhwicc.com

Monday – Friday, 8 am – 5 pm (MT)