Halo Builders 10 Year Residential Guarantee Insurance

Build with complete peace of mind

When you build with an approved member of New Zealand Certified Builders, you're protected by New Zealand's most comprehensive 10 year building guarantee.

CONTACT US NOW ON 0800 644 444 


How does it work?


The application for your 10 year residential guarantee insurance will be made by your 
NZCB member at the time you complete the building contract.  You will receive confirmation of your application acceptance and policy document shortly after the building contract is signed - generally well before the building work starts.


Are there different types of guarantee?


No. The application process is made easy because the one guarantee policy has been specifically designed to cover any type of work being undertaken, be it under a New Home Full Building contract, an Additions or Alterations Contract for your home, or if you are entering a Labour Only contract with your NZCB member.

Policy benefits


OUR 10 YEAR RESIDENTIAL GUARANTEE INSURANCE provides maximum peace of mind for homeowners, covering;

  • Loss of deposits if the builder doesn't start the building work

  • Losses if the builder starts but doesn't complete the building work

  • 10-year cover for the full contract price, for structural defects including weather tightness issues, once the building works have been completed

  • 10-year cover for the full contract price, for non-structural defects once the building works have been completed

If your builder fails to complete the building or rectify the defect we will step in and fix the problem.


The cover extends not only to fixing any defect but also any damage to existing structures caused by the defect.

Additional policy benefits


OUR 10 YEAR RESIDENTIAL GUARANTEE INSURANCE also provides cover to property owners for;


  • Sub contractors and suppliers 
    Where the NZCB member is the head contractor, defects arising from materials and work supplied by subcontractors and suppliers are insured

  • Other damage 
    The cost to repair other damage to the house caused by the defect, up to the full policy sum insured

  • Alternative accommodation expenses 
    Up to 6 months’ reasonable alternative accommodation expenses while the house is being repaired

  • Professional fees 
    Surveyors, engineers, legal and other fees necessarily incurred to rectify the defect.

  • Guarantee transfer 
    The insurance automatically transfers to any subsequent owners of your house giving them protection also

  • Simple application 
    Simply sign the application your NZCB member has completed. No other documentation is needed